How To Get Cheap Auto Insurance To Suit Your Needs.

It is a well-known fact that auto insurance in California is very expensive. Despite this, it is highly probable that people still try to obtain cheap California auto insurance and no license insurance in that area. For the purposes of licensing your car there, there is a minimum of liability insurance required. This is so that if you cause an accident the other person's property or vehicle is covered. Likewise should another party be injured, they will be covered for any related expenses.

There are minimum amounts of cover that are required by law in each state. It is referred to as 15/30/5. Essentially, you need to be insured for at least fifty thousand dollars in respect of liability cover. Fifteen thousand of this is to cover injury to any one person in the other vehicle. This provides thirty thousand dollars for injuries to all the people in the other car and lastly five thousand dollars for damage to the other persons property or vehicle.

People with very few assets will be able to get away with the minimum cover. However, if you have a lot of assets that you do not want to lose in a court case then increase this cover.

Collision cover protects you in the case of damage to your car. This is regardless of who was at fault. If your car is old and banged up, it may pay you not to have this cover.

Comprehensive cover is there to cover damage or theft to your car. This includes theft, fire and vandalism to your car. Again, older cars may not need this cover. If you have a new car then you can reduce your premium by increasing your deductible.

If a passenger is injured in your vehicle then you will be glad you took out personal injury protection. This will cover any medical expenses incurred because of an accident. It may be difficult to obtain cheap insurance to suit all your needs, however there are ways in which to soften the blow.