Richmond Auto Insurance in California

A place like Richmond city in Contra Costa County, California is smaller than many cities and has, relatively speaking, fewer cars and fewer accidents; But this is no reason for you to leave your car uninsured. You'll never know what can happen. You still need Richmond Auto insurance. It is mandated by California State laws for you to have Richmond Car insurance.

Basic Information about Richmond Auto Insurance in California

A place like Richmond is smaller than many cities and has, relatively speaking, fewer cars and fewer accidents; this is the logical reason why Richmond auto insurance companies may give you a huge break on your car insurance premiums. But this is no reason for you to leave your car uninsured – it may prove to be costly. Also, it's mandatory to have Proof of Insurance in California at all times. Not providing Proof of Insurance when it's requested may result in a fine or suspended license. Here are some information about laws and frequently asked questions about Richmond car insurance policies:

Mandatory Minimum Level of Coverage

California's Compulsory Financial Responsibility Law requires everyone who owns or drives a motor vehicle to be financially responsible for their actions. The minimum limits of liability insurance, as required by law are: $15,000 for the death or injury of any one person in any one accident, $30,000 for all bodily harm, fatal or not, to all persons in any one accident, and; $5,000 for any damaged property in any one accident.

Consumer Rights/Protections Related to California Auto Insurance

California Proposition 103: In November of 1988, Proposition 103 (Prop.103) was enacted into law by the voters of California. It provides many consumer protections, for Richmond citizens, related to purchasing and maintaining auto insurance, such as rollbacks in insurance prices, insurance policy transparencies, and such.

It's mandatory to have Proof of Insurance at all times, especially in Richmond. Not providing Proof of Insurance when it's requested may result in a fine or suspended license. This is how strict Richmond laws are on Auto insurance.

The penalties from not having a car insurance in Richmond may come in various forms. Judges in Richmond can impound the vehicles of frequent, repeating violators. If you provide false evidence of auto insurance coverage and your driver's license is suspended, the suspension cannot be lifted until you present a genuine Proof of Insurance.

The Legislature passed a law requiring motorists to present a Proof of Insurance before the Department of Motor Vehicles renews their vehicle registration. The legislation also requires motorists in Richmond to display Proof of Insurance when stopped by authorities for traffic violations.

A Proof of Insurance card listing the covered automobiles and drivers and showing the policy number and expiration date will be sent to you by your insurance company once you have fulfilled the necessary requirements. Your policy or a temporary binder is also acceptable evidence of insurance.

Make sure you are well covered in the auto insurance department because accidents, thefts and vandalism happen all the time.

Local auto insurance quotes in your area

AutoQuoteNow.com can help you compare car insurance quotes for auto insurance coverage in all of the following ZIP codes in Richmond

94850, 94808, 94807, 94805, 94804, 94802, 94801.