Are you looking for a great California car insurance deal? You need to compare quotes from multiple auto insurance providers in CA. To make your life easier, we provide you with the list of the best insurers in you area. Simply enter you zip code and you will be on your way to saving lots of money on your auto insurance premium. In addition if you would like to learn about California’s minimum car insurance requirements and more, read this article. Keep in mind that minimum required insurance coverage is usually not sufficient to protect you from financial liability in case of the accident, since it simply does not provide enough coverage.
California Car Insurance Laws and Requirements
The residents of the state of California are provided with several options on how they can obtain their California car insurance policy. Their first option is to have their car insured through any of the approved California car insurance companies. The second California car insurance option is to make a deposit, with the Department of Motor Vehicles, or DMV, of $35,000. A resident of the state of California can also go to the DMV to obtain a self-insurance certificate. However, this option is only made available to drivers who own at least 25 motor vehicles.
From the four car insurance policy options available to California drivers, the most sensible and the most practical option is to obtain a car insurance policy that will provide the minimum required liability insurance coverage. According to California law concerning car insurance policies, the minimum required Bodily Injury Liability limit is $15,000 per person that was injured during the accident. The total coverage per accident is $30,000. $5,000 is the minimum limit for the Property Damage Liability coverage. This type of basic coverage is also called as the 15/30/5 insurance policy coverage.
The Tort System that the state of California follows requires that a person should be found at fault to have caused the car accident. The driver who will be found to be at fault for causing the road accident will then be required to pay for all the damages caused during the accident together with his or her car insurance company. Since there is a possibility of an underinsured or uninsured driver causing the accident, it is also recommended that California drivers add the Underinsured/Uninsured Motorist Bodily Injury Coverage. This type of California car insurance policy will take care of any bodily injuries caused by an underinsured or uninsured driver.Driving While Under the Influence Laws and Penalties in the State of California
As stated by the California vehicle code Driving Under the Influence law 23152(b), a person is unlawfully operating or driving a motor vehicle if his or her blood alcohol concentration level is greater than .07%. A driver who will be arrested due to drunk driving, will also be charged with violating the California vehicle code Driving Under the Influence law 23152(b). This law states that it is unlawful for a person to drive or operate any motor vehicle while under the influence of controlled substances as well as alcohol.
California First DUI Offense and Penalties
A first California DUI offense means that the driver has not committed any DUI offense within the past ten years of driving. A first offense DUI charge is considered by the California state law as a misdemeanor charge. The driver arrested for a first time DUI offense will be required to spend a minimum jail time of 48 hours that can be increased by the court to 6 months. The offending DUI driver will also have to pay for a minimum fine of $390 that can be increased to $1,000.The offending driver should pay for these fines within a period of 45 days to avoid any other charges.
If the driver is less than 21 years of age, his or her license will be suspended for a year if his or her blood alcohol concentration level will register at .01% or higher. Drivers who are aged 21 or older with a blood alcohol concentration level of greater than .07% will have their license suspended for 4 months. Drivers who will be charged with a first time DUI offense with a blood alcohol concentration of less than .20% will need to attend a 30 Hour First Offender Program. Drivers with a blood alcohol concentration level of greater than .20% will need to attend a 60 Hour First Offender Program.
California Second DUI Offense and Penalties
A driver who will be arrested for a second DUI offense will need to render a minimum jail time of 96 hours that can be increased to 6 months. The offending driver will also need to pay for a fine of $390. This fine can be increased to $1,000. Drivers who are above 21 years of age and who have a blood alcohol concentration level of greater than .07% will have their license suspended for a year. Drivers under the age of 21 and who have a blood alcohol concentration level of .01% or higher will have their license suspended for a year.
Average National Car Insurance Rate Compared to Average California Car Insurance Policy Rate
In comparing the average California car insurance premium with the average national car insurance rate, you will find out that the average California car insurance premium is cheaper. The average California car insurance premium is $1,209.91, which is below most other states. The average national rate is $1,436.40. If you live in the city, especially in Los Angeles, then you should be prepared to pay for more. The average current car insurance premium in Los Angeles is $1,677.88.
Top Ten Most Stolen Vehicles in the Sate of California
The make, the model, or the year of your car is a deciding factor on whether you will have to pay for a higher California car insurance premium or if you will simply pay for the most affordable one. If the your car is included in the “Hot Wheels” list of the National Insurance Crime Bureau, then you would need to pay for a higher car insurance premium. The top ten most stolen vehicles in the State of California include the 1994 Honda Accord, the 1995 Honda Civic, the 2005 Dodge Ram, the 1997 Ford F150 Pickup, the 2003 F250 Pickup, the 1997 Chevrolet Full Size Pickup, the 2006 Ford F350 Pickup, the 1998 Nissan Sentra, the 1997 Nissan Altima, and the 1991 Toyota Camry.
California Car Insurance Laws and Requirements
The residents of the state of California are provided with several options on how they can obtain their California car insurance policy. Their first option is to have their car insured through any of the approved California car insurance companies. The second California car insurance option is to make a deposit, with the Department of Motor Vehicles, or DMV, of $35,000. A resident of the state of California can also go to the DMV to obtain a self-insurance certificate. However, this option is only made available to drivers who own at least 25 motor vehicles.
From the four car insurance policy options available to California drivers, the most sensible and the most practical option is to obtain a car insurance policy that will provide the minimum required liability insurance coverage. According to California law concerning car insurance policies, the minimum required Bodily Injury Liability limit is $15,000 per person that was injured during the accident. The total coverage per accident is $30,000. $5,000 is the minimum limit for the Property Damage Liability coverage. This type of basic coverage is also called as the 15/30/5 insurance policy coverage.
The Tort System that the state of California follows requires that a person should be found at fault to have caused the car accident. The driver who will be found to be at fault for causing the road accident will then be required to pay for all the damages caused during the accident together with his or her car insurance company. Since there is a possibility of an underinsured or uninsured driver causing the accident, it is also recommended that California drivers add the Underinsured/Uninsured Motorist Bodily Injury Coverage. This type of California car insurance policy will take care of any bodily injuries caused by an underinsured or uninsured driver.Driving While Under the Influence Laws and Penalties in the State of California
As stated by the California vehicle code Driving Under the Influence law 23152(b), a person is unlawfully operating or driving a motor vehicle if his or her blood alcohol concentration level is greater than .07%. A driver who will be arrested due to drunk driving, will also be charged with violating the California vehicle code Driving Under the Influence law 23152(b). This law states that it is unlawful for a person to drive or operate any motor vehicle while under the influence of controlled substances as well as alcohol.
California First DUI Offense and Penalties
A first California DUI offense means that the driver has not committed any DUI offense within the past ten years of driving. A first offense DUI charge is considered by the California state law as a misdemeanor charge. The driver arrested for a first time DUI offense will be required to spend a minimum jail time of 48 hours that can be increased by the court to 6 months. The offending DUI driver will also have to pay for a minimum fine of $390 that can be increased to $1,000.The offending driver should pay for these fines within a period of 45 days to avoid any other charges.
If the driver is less than 21 years of age, his or her license will be suspended for a year if his or her blood alcohol concentration level will register at .01% or higher. Drivers who are aged 21 or older with a blood alcohol concentration level of greater than .07% will have their license suspended for 4 months. Drivers who will be charged with a first time DUI offense with a blood alcohol concentration of less than .20% will need to attend a 30 Hour First Offender Program. Drivers with a blood alcohol concentration level of greater than .20% will need to attend a 60 Hour First Offender Program.
California Second DUI Offense and Penalties
A driver who will be arrested for a second DUI offense will need to render a minimum jail time of 96 hours that can be increased to 6 months. The offending driver will also need to pay for a fine of $390. This fine can be increased to $1,000. Drivers who are above 21 years of age and who have a blood alcohol concentration level of greater than .07% will have their license suspended for a year. Drivers under the age of 21 and who have a blood alcohol concentration level of .01% or higher will have their license suspended for a year.
Average National Car Insurance Rate Compared to Average California Car Insurance Policy Rate
In comparing the average California car insurance premium with the average national car insurance rate, you will find out that the average California car insurance premium is cheaper. The average California car insurance premium is $1,209.91, which is below most other states. The average national rate is $1,436.40. If you live in the city, especially in Los Angeles, then you should be prepared to pay for more. The average current car insurance premium in Los Angeles is $1,677.88.
Top Ten Most Stolen Vehicles in the Sate of California
The make, the model, or the year of your car is a deciding factor on whether you will have to pay for a higher California car insurance premium or if you will simply pay for the most affordable one. If the your car is included in the “Hot Wheels” list of the National Insurance Crime Bureau, then you would need to pay for a higher car insurance premium. The top ten most stolen vehicles in the State of California include the 1994 Honda Accord, the 1995 Honda Civic, the 2005 Dodge Ram, the 1997 Ford F150 Pickup, the 2003 F250 Pickup, the 1997 Chevrolet Full Size Pickup, the 2006 Ford F350 Pickup, the 1998 Nissan Sentra, the 1997 Nissan Altima, and the 1991 Toyota Camry.
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