Moving to California can be exciting, but it comes with adjustments—including navigating the state’s unique car insurance requirements. If you’re new to the Golden State, you may find that staying compliant and protecting yourself on the road require special considerations. If you’re moving to California, you need to know these five things about car insurance.
1. Meet California’s Minimum Insurance Requirements
Unlike some states, California has strict minimum requirements for car insurance. Drivers must carry liability insurance that covers property damage and bodily injury. Specifically, you’re required to have at least $15,000 in coverage for injury or death to one person, $30,000 for injury or death to multiple people, and $5,000 for property damage. Failure to meet these minimums can result in hefty fines or even suspension of your registration, so getting adequate coverage right away is essential.
2. Consider Additional Coverage Options
Considering optional coverage for added protection is often wise. Comprehensive and collision insurance can cover damage to your vehicle from accidents, theft, weather events, or vandalism. Since California often experiences natural disasters such as wildfires and earthquakes, investing in additional coverage could save you significant money in the long run.
3. Understand Discounts and Affordability
Car insurance in California doesn’t have to break the bank. By working with a trusted agency such as Saferoad Insurance, you can unlock discounts you might not have been aware of. You may qualify for savings if you’re insuring multiple vehicles, bundling home and auto insurance, maintaining a good driving record, or even completing a defensive driving course.
Saferoad Insurance specializes in finding affordable policies for all types of drivers, including those facing high-risk scenarios. Whether you’re a new driver or you have a complex driving history, they can connect you with the right coverage at a competitive rate.
4. Don’t Forget About Uninsured Motorist Protection
To protect yourself against the high rate of uninsured people in California, consider adding uninsured motorist coverage to your policy. This guarantees that if you’re in an accident caused by an uninsured or underinsured driver, your medical expenses and damages will still be covered. This basic protection is a necessity for any comprehensive policy.
5. Choose an Insurance Agency That Knows California
These five things you need to know about California car insurance can feel overwhelming, but enlisting the help of an experienced, locally focused agency can make all the difference. With years of expertise in California-specific insurance needs, Saferoad Insurance takes the guesswork out of finding coverage. Its agents understand the intricacies of California laws, weather risks, and local driving challenges. Whether you’re looking for home and auto insurance in Long Beach, Los Angeles, or anywhere in between, Saferoad Insurance simplifies the process so that you can focus on settling into your new home.