The state of California requires every owner and driver of a vehicle to take financial responsibility for their actions. Collision insurance, medical payments, uninsured motorist coverage and comprehensive coverage are not required by law.
Car insurance premiums can vary a great deal depending on a number of factors: location, the type of coverage you desire, the type of risk you have and the type of vehicle you drive. Shopping around for the best combination of coverage and rates is a lot easier than you would imagine. Price comparison websites provide users with a free and easy way of getting multiple quotes so you can get the most affordable car insurance that is available. Remember that you may qualify for a discount if you don't drive your vehicle that far or that often, if you're taking a defensive driving class etc, if your vehicle has an anti-lock brake system etc.
The minimum levels of liability required for car insurance in California are $ 15,000 for death or injury per person, $30 000 for all persons in one accident and $ 5,000 for property damage (other people's fence, car etc) per accident. You may want to opt for an auto insurance policy that covers more than the required minimums especially if you want to protect your assets adequately.
The year 2010 has seen a drop in auto insurance prices and premiums are expected to remain competitive in 2011. Once you've decided how much coverage you need it's time to do some research. Take the time to shop around, feel free to ask for discounts and save money on your car insurance. Make sure you get the best rates!