With a number of companies providing car insurance in California, how will you select the vehicle insurance plan that is best for you? No matter where you live in California.
every place offers a large number of vehicle insurance plans,
optional insurance plans and other products for the state drivers. When your vehicle insurance requires change, your local agent will take the time to assist you in taking the right decision. If you have a teen driver, there are various other considerations your local agent can also help you with. Refer to the CA Graduated Driver Licensing chart below for more information.
About Low Cost Car Insurance Program in California
According to the state law, all drivers of vehicles within California maintain evidence of financial responsibility. California's Low Cost Automobile Program (CLCA) was founded by the Legislature in 1999 and exists pursuant to California Insurance Code Section 11629.7 as a program created to provide income eligible individuals with liability insurance protection at reasonable prices as a way to meet the state's financial responsibility laws.
But, various high income eligible drivers are not insured because the amounts of standard insurance premiums are beyond their financial reach. Those people are required to learn about reasonable solutions that may help protect them, their friends, family and other drivers on the road.
Car insurance California Coverage Scale
If you live in California then are you aware of what the car insurance California coverage requirements are? Just have a look on the below chart as a possible initial point to learn more about the state required vehicle insurance coverage levels and the most common auto insurance coverages in California.
COVERAGE SCALE
Coverage State Requirements Most Common
Bodily Injury Liability 15,000/30,000* 100,000/300,000
Property Damage Liability 5,000* 100,000
Uninsured Motorist Bodily Injury Not required* 100,000/300,000
Medical Payments Not required* 5,000
Collision Not required* 500 deductible
Comprehensive Not required* 250 deductible
Graduated Driver Licensing in California
You should aware of the Graduated Driver Licensing (GDL) laws of California that can help protect your teen driver. These laws are one among the things that have been proven to save teen lives. You and your teen need to become familiar with these laws and should use them to form guidelines and rules for your teen driver.
Gradutated Driving Licence Laws
Minimum Entry Age (Optimal: 16) 15, 6 month
Extended Learner Period Has optimal provision
(Optimal: at least 6 months)
Parent Certification Has optimal provision
(Optimal: 30 hours minimal)
Night Restriction Has the provision but it is not optimal
(Optimal: 9 or 10 p.m.)
Passenger Restriction Has optimal provision
(Optimal: only 1 non-family member)
Minimum exit age/ Minimum age at which 18
restrictions are lifted (Optimal: 18)
