| The state of California requires that all drivers | | | | insurance. Cheap car insurance is generally suited |
| carry car insurance; as a result, there are many | | | | to those who drive old vehicles, don't drive a |
| drivers who are looking for cheap car insurance | | | | great deal and are of limited means. People who |
| and many companies willing to supply it. Drivers | | | | own late model cars and use them a lot should |
| who do not have their cars insured are subject to | | | | not skimp on insurance. The same is true of |
| civil penalties. In California, un-insured drivers who | | | | people who have significant assets. Bear in mind |
| are involved in accidents may even lose their | | | | that significant assets does not mean that a |
| license. California drivers are also required to have | | | | person is a millionaire. All of a person's assets |
| proof of car insurance on them whenever they | | | | (including future earnings) can be at risk as the |
| are operating a vehicle. A ticket can be issued if a | | | | result of a car accident for which the person at |
| driver cannot produce proof of insurance when | | | | fault is not sufficiently insured. Also, cheap car |
| requested to do so by someone in authority. | | | | insurance may not cover a person in the event |
| Given the strictness of the California statutes, it is | | | | that his/her vehicle is damaged or destroyed by |
| important for any driver looking for cheap car | | | | an un-insured driver or a hit-and-run driver. Cheap |
| insurance to make sure that when he/she | | | | car insurance almost certainly will not reimburse a |
| purchases a policy it meets or exceeds the state | | | | person for towing charges or for a rental vehicle |
| minimums. | | | | while a damaged car is being repaired. |
| California state car insurance minimums are | | | | All cheap car insurance companies are not created |
| $15,000 for the death/injury of one person in an | | | | equal. In the state of California insurance |
| accident and $30,000 for the death/injury of all | | | | companies have the right to charge premiums |
| the people involved in an accident plus an additional | | | | based upon their loss histories; thus, different |
| $5,000 of insurance to compensate for property | | | | companies may have different rates depending |
| damage. While a person may fulfill this obligation | | | | upon the payout expenses they have incurred. |
| by posting a cash deposit or surety bond with the | | | | Therefore, when searching for cheap car |
| California State Department of Motor Vehicles, it | | | | insurance, a person should compare several area |
| is far easier to buy a cheap car insurance policy. | | | | companies. It is important to make sure that the |
| However, it is important when purchasing cheap | | | | companies being compared are compared with |
| car insurance to make sure to deal with a | | | | the same policies. This ensures that a decision is |
| reputable company. | | | | made based on the reputation of the company, |
| There are other important considerations when | | | | rather than the policy differences. |
| deciding whether or not to buy cheap car | | | | |