California Auto Insurance Quotes

If you’re still shopping around for the best California auto insurance deals, would you believe, you're with the right people, at the right place right now? Perhaps you will, when you discover that we can swiftly connect you to over a dozen top-drawer, carrier names in the business. At last, here's your opportunity to shop with multiple state-approved California car insurance companies, instantly receive and compare multiple quotes, and select the one which offers the kind of comprehensive coverage that perfectly fits your needs and budget. To gain access to these exclusive benefits offered by our top carrier connections, simply fill in your quote request and leave the rest to us.

Here's What You Should Do with California Auto Insurance

To most motorists, navigating the Car Insurance Industry "maze" is akin to driving on a bumpy, pot-holed road. However, the good news for car owners in California is the presence of professional companies, fully equipped to do the navigation and dirty work for you, and 'shock-absorb' your ride.

So, if you are searching for the best california car insurance deals, start searching for a company that has good connections with top-drawer names in car insurance and the wherewithal to get you the best car insurance deals in the industry. Now, don’t hit that pedal just yet. Despite their hackneyed, "we're the best" claim, all car insurance companies aren't the same.

Why Opt for Carriers with Credentials?

Car insurance is big business, and this is the main reason why there are such a large number of companies out there. Although deciding on a company best suited to your budget and needs can be rather confusing, a smart way to start is to look for a CA 'state-approved' company, rather than one that isn't.

State-approved car insurance companies, termed "admitted carriers", have convincing credentials, as they possess the necessary licenses and approvals issued by The California Department of Insurance to sell car insurance policies in the state. On the other hand, car insurance companies who do not have such licenses and approvals are referred to as "non-admitted carriers"

What Benefits Do "Admitted Carriers" Offer?

There are several benefits in purchasing a car insurance policy from reputable, CA state-approved "Admitted carriers", as opposed to purchasing one from lesser known, "Non-admitted carriers".

• Admitted carriers offer a higher level of protection in the event an insurer is unable to pay out claims, and/or if the particular insurer resorts to unethical business practices.

  Non-admitted carriers are a risky proposition as they neither offer nor guarantee such protection For example, your insured claim will most likely remain unpaid, in the event of bankruptcy or insolvency, as such carriers are not protected by 'The California State Guarantee Fund'.

• Admitted carriers are not permitted to alter mutually agreed coverage/rates specified in the policies sold by them, unless applications to do so are filed / approved with/by the regulatory body concerned.

  Non-admitted carriers are not governed by state regulations, and therefore have the liberty to change premiums and rates at any time, and often do so.

• Admitted carriers offer a more comprehensive range of online benefits and services, e.g. excellent business tie-ups with top insurance companies; instant submission of multiple quote options; simplified system to purchase policies online; instant submission of insurance proof; non-obligatory purchase terms; useful information and answers to FAQ's ; and a lot more.

  Non-admitted carriers offer far fewer benefits and services. They generally deal with lesser known car insurance companies; claim to offer the cheapest rates and premiums but can surprise you with hidden costs; and seldom respond with useful information or answers to FAQ’s.

Which Type of Car Insurance Does California Require?

As applicable in all other US States, it is mandatory for individual California car drivers, transporters, car rental companies and car dealerships to possess car insurance ('Liability' insurance in particular), for the vehicles owned or operated by them.

Liability coverage

An integral part of the car insurance equation is 'Liability' coverage which is mandatory in most US States, except New Hampshire, South Carolina, Tennessee, Virginia and Wisconsin. By CA law, it is incumbent upon each car owner to have the minimum liability coverage amounts in his/her car insurance policy.

In the event of an accident, these amounts will cover the cost of damages caused by you (or other persons included in your policy), and/or by your vehicle. Irrespective of a policy holder's income status, the minimum liability coverage amounts specified for every car owner in California is based on a 10/20/5 policy, described as under:

• $10,000 for physical injury per person
• $20,000 for physical injury per accident
• $5000 for property damage

How is Financial Responsibility Established and Why?

Proof of financial responsibility, covered to a larger extent by liability insurance, is a mandatory requirement if one is to be considered a 'legal driver' on California roads. Proof of responsibility usually means a driver's ability to take 'financial responsibility' (cover cost of damages) in the event of an accident. However, documentary proof for the following items is what's required to establish financial responsibility in California:

• Possession of a Liability insurance policy, preferably purchased/ obtained via an admitted (state-approved) carrier
• A $35,000 'Deposit' in cash with CA-DMV – The California Department of Motor Vehicles – P.O. Box 942884 Sacramento CA, 94284-0884
• A 'Self-insurance Certificate' issued by the CA-DMV
• A 'Surety bond' of $35,000 issued by a company authorized/licensed to do so in California (information/details on 'surety bonds' can be obtained online from The California Department of Insurance, or via phone on (800) 927-4357

Are There Other Types of Coverage?

Indeed there are. Other standard types of (optional) coverage that you may consider for added financial protection include:

• Collision coverage

  Although this type of insurance coverage is optional, it makes sense to include it in your car insurance plan. However, there is a clear distinction between collision coverage and liability coverage. Whereas a collision policy covers damage to your own vehicle, liability covers the cost of damage caused by you to a person, his/her vehicle, or property. Note, a car insurance company will not apply the minimum liability coverage for 'property damage' ($5000) for repairing your car, it is applied solely for repairs of the other person's car instead. Therefore, collision coverage makes sound financial sense to have your vehicle covered in the event of an accident.

• Comprehensive coverage

  This is another good option, as it offers coverage irrespective of WHOM or WHAT natural factors cause damage to your vehicle, for example – arson; earthquakes; fires; floods; hurricanes; mudslides; tornadoes, and vandalism. As California is prone to some of these natural occurrences, comprehensive coverage is an option you may, if not must, consider.

Finally, if you wish to deal with a reputable car insurance company that can cut through the maze in the car insurance industry, get you the best deals, and make your life easier. You can always get in touch with us. Let's hear from you. Welcome again!