When you are in the market for a California auto insurance plan it is very important for you to work with an agency that has been working with California citizens particularly. In comparison to other states, California has very different rules and regulations that people have to follow regarding their car insurance. This also includes the minimum coverage that people are expected to carry. If you have a garaged or parked car on your insurance the minimum coverage allowed is $15,000 per person for bodily injury, $5,000 for property protection, and $30,000 per occurrence for bodily injury.

As mentioned before, all of these limits will vary, depending on which state you live in. All cars are required to follow these limits as a minimum in order to comply with California auto insurance laws. You can however have one, large, combined coverage that has all three types of coverage all in one. This would put you over the minimum required.

Proposition 103

This new proposition or law really set the tone for making California auto coverage laws much different than other states. The amount of info that the agencies are able to use to determine rates have been limited by the state.

The largest contributor of this proposition is that it does not allow California agents to use credit scores as a deciding factor about insurance acceptance or rates. The biggest determining criteria is where your specific location is, how much you drive per year, are you married, clean driving record, and the specifics of your vehicle. If you have a truck, 4x4, or sports car, you will typically pay more for insurance because these vehicles are a bit more risky than say a Toyota Corolla. There are also differences in the way that discounts are applied or allowed on policies.

The most important difference and advantage for safe, clean drivers is that after 3 years of having a clean driving record, they are eligible for a 20% savings.

In this article we discussed some major differences and advantages of auto insurance in California. There are many differences but the 2 most important are the safe driving discount after 3 years and the non-checking of credit in order to get a good rate on auto coverage. It can be really helpful to know this kind of information before you go out looking for auto insurance. this will ensure that you pick the right agency and that you can get the best rate possible.