{"id":5775,"date":"2021-08-05T17:01:53","date_gmt":"2021-08-06T00:01:53","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=5775"},"modified":"2022-12-23T02:20:38","modified_gmt":"2022-12-23T02:20:38","slug":"california-car-insurance-requirements-every-driver-should-know","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/california-car-insurance-requirements-every-driver-should-know\/","title":{"rendered":"California Car Insurance Requirements Every Driver Should Know"},"content":{"rendered":"\n
Anyone driving throughout California needs to have the right kind of car insurance<\/a> protection. Unfortunately, plenty of drivers don\u2019t understand the state insurance requirements, and they may end up violating these requirements without even knowing it.<\/p>\n\n\n\n Keep reading to learn all about the important requirements that will keep you safe while helping to protect you from some very costly mistakes.<\/p>\n\n\n\n In California, as in most states, drivers must have a minimum level of car insurance coverage. But do you know exactly what these minimum requirements are?<\/p>\n\n\n\n In California, you must have minimal insurance coverage in the following amounts:<\/p>\n\n\n\n While we always recommend getting more than the minimum coverage required by a state, this combination of liability insurance and uninsured motorist coverage can help protect you on the road. However, you can have the uninsured motorist coverage waived. While this will save a bit of money on your monthly premium, it means you are taking an extreme risk in the event that an uninsured driver strikes your vehicle while you are on the road.<\/p>\n\n\n\n Earlier, we mentioned that drivers should always get more than the minimum insurance coverage. But what additional coverage should we add?<\/p>\n\n\n\n If nothing else, we always recommend adding collision insurance<\/u><\/a> to your policy. This type of coverage provides additional protection for your vehicle, and it will payout even if you are liable for a car accident. Additionally, getting collision coverage in California means you may be eligible for the state\u2019s deductible waiver.<\/p>\n\n\n\n What is the deductible waiver? Basically, those who get collision insurance in California<\/a> may be eligible to have their insurance company pay the collision deductible on your policy if you are in an accident caused by an uninsured driver.<\/p>\n\n\n\n Obviously, it\u2019s important to verify that you would be eligible for such a waiver through your insurance carrier. But if you are eligible, then you have that much more incentive to get collision insurance because you also get some of the added protection you would have with uninsured motorist coverage.<\/p>\n\n\n\n All California drivers have in common that they would like to pay less for car insurance<\/a>. But did you know that you might already qualify for special discounts on your premium?<\/p>\n\n\n\n Like other states, California lets insurance carriers devise their own special discounts that drivers may qualify for. But on top of whatever the carriers wish to offer, there are two special discounts that the state makes sure drivers are offered.<\/p>\n\n\n\nMinimum California Car Insurance Requirements<\/h2>\n\n\n\n
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The California Deductible Waiver<\/h2>\n\n\n\n
California Car Insurance Discounts You Should Be Aware Of<\/h2>\n\n\n\n