California Car Insurance Quote

 

Reader’s Question:

I’m a single mom here in San Jose, California. I’m too busy with work to worry about car insurance. Is there like a full and complete coverage out there for my car? I try to replace my vehicle with a new one every two years to stay away from headaches.

Rochelle

San Jose, CA

Hey there, Rochelle. I am glad you asked about full coverage auto insurance coverage for your car. Well, I’m pretty sure, since you asked about it, that you probably drive a relatively expensively priced vehicle, and thus are prepared to pay for a good insurance package. But let me just state it again–ultimate coverage doesn’t come cheap, honey. This is not like ordering a burger with everything on it.

California Car Insurance Coverage

I’m guessing you got the state minimums down pat. But just to be sure, let me squeeze in the basics. As a San Jose, California busy single mom, you’re supposed to get at least a 15/30/5 minimum coverage for liabilities. That’s $15,000 for each person injured in an accident of your own doing, with a limit of $30,000 per accident. For property liability, that’s $5,000 damage coverage only. Though California does not require you to get Underinsured Motorist coverage and Personal Injury coverage, you can think about those. Some other types of coverage you can think of adding on for your next vehicle purchase are Collision and Comprehensive coverage.

Collision coverage protects you from those smash ups regardless of who caused the accident. Comprehensive coverage, as the name suggests, protects you from everything else like falling trees, animals hitting your car, earthquakes, fires, theft and vandalism. Be sure to ask not only insurance agents but your friends and family, as well. I hope you get the vehicle insurance package that best suits your needs.

California Car Insurance Discounts

1. Good students with good grades

2. Membership in a credit union or sometime for an alumni in a major college

3. Combine home and auto coverage together

4. Good driving record with no claims in the last 7 years

5. Good credit score with no late payment history in last 7 years

6. A vehicle with lots of safety features like an alarm, side impact air bags etc.

7. Limited use vehicles – only used to and from work or school and parked in a garage at night.

8. Paying online

9. Paying a year in advance for California car insurance