Aggressive driving has become one of the most dangerous threats on US roadways. In this article we outline tips to avoid driving aggressively.
Insurance companies have an invested interest in California. This is due to its massive population of 37 million people as well as all the high density urban areas such as Los Angeles, Sacramento, San Francisco and San Jose. It has the most motorists of any state which creates a very big and competitive market when it comes to auto insurance.
Like any other state, California is able to regulate its driving laws and set its own standards and minimum requirements when it comes to auto insurance. Currently, the law states that a driver must have liability coverage of at least $15,000 per person, $30,000 per accident and $5,000 for property damage. This is a rather low requirement, especially when compared to other states and it can get even lower in the case of motorists with clean driving records and low incomes. They are only required to have a $10,000/$20,000/$3,000 insurance policy.
Of course, that is only the minimum amount of coverage, not the recommended one. A driver with that kind of policy will most likely be left with a lot of expenses to cover on his own in the event of an at-fault accident. That is why California insurance companies usually suggest an insurance policy that covers $100,000/$300,000/$100,000.
In order for a driver to be as protected as possible, the best solution is to get full coverage auto insurance. This is the most thorough and comprehensive policy. Even so, just like with the minimum coverage, the state of California is able to dictate what are the minimum services required in a policy for it to constitute as full coverage. In this case, it requires liability, comprehensive and collision coverage which is the industry standard. Additionally, insurance companies might add certain services to their full coverage policies such as Personal Injury Protection (PIP) or Uninsured Motorist coverage.
Usually, the more services you add to your insurance policy the higher the premiums will be. However, California being such a coveted and competitive market there is a lot of discrepancies between the rates of different insurance companies. You can never be sure that you are getting the best insurance policy available for the money you are paying unless you comparison shop. Luckily for California motorists, we provide a quick and easy way to comparison insurance quotes. All you need to do is enter your zip code and some basic anonymous information in our completely free QuoteScout™ search engine and you’ll be on your way to finding a competitive full coverage insurance rate.
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