One of the best ways to save on California car insurance is to seek out liability only, which is what is required by law. Liability insurance protects only the person you hit, and not yourself. However, there are a few things you should consider before buying only liability insurance.
The minimum auto insurance required by California law is 15/30/5, defined as $15K in bodily injury, $30K total in all bodily injuries, and $5K in car damage. To the guy you hit if it's determined to be your fault.
So if you seek out car insurance like this, you will be able to get a low cost policy from many California companies, providing you do not have a driving record riddled with accidents caused by you. But you need to keep one thing in mind about this.
If you cause more damage than your liability insurance will cover, you are technically liable for the rest. In other words, the person may sue you. And if you have something they can get, such as an asset like a house, expensive car, or large bank account.
If you have something valuable, the person you crash into may try to take it if you don't have enough liability insurance. And they may win.
So in this case, you would be well-advised to buy considerably higher liability coverage, such as 100/300/50, which will then increase the cost of your policy but may avoid losing everything in the long run, depending.
If you buy liability only, you will then be looking at some of the cheapest car insurance rates you can get. The other kinds of major insurance in California are comprehensive and collision, which you may want to consider in addition to liability if you have an expensive car.
Comprehensive covers everything but a crash, such as theft, and collision covers crashes, no matter who's at fault. If you have an old clunker, don't bother, but if you have a newer car that still has considerable value, consider tacking these two onto your insurance plan as well. Of course it goes to say that over time, as your car decreases in value, you may want to consider dropping both of them.
Since liability is the only insurance required in California, you can get low cost rates if you decide to only go with that, taking careful consideration of whether you should buy more or not depending on whether you have large assets, and also whether you should purchase collision and comprehensive as well.
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