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What is the Law Regarding Car Insurance Quotes in San Jose, California?

02.09.2013

Law

Understanding the law is very important when it comes time to shop for car insurance quotes. You must have adequate coverage to make driving legal, but you also need to have enough coverage to protect yourself.

Why California is the Cheapest Place to Purchase Car Insurance Quotes

16.09.2013

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Living in California has its benefits, but unfortunately it comes at a cost. Being one of the most expensive states in the country can take a toll on many people's budgets. Fortunately, car insurance quotes in San Jose, California are among the cheapest in the country.

Cars with the Cheapest Car Insurance Quotes in San Jose, California

01.10.2013

Toyota Corolla

Out of the many things that go into your car insurance quotes, the type of car you drive is one that is under your direct control. Here are some of the cheapest cars to insure while living in California.

Finding Car Insurance Quotes in San Jose Can Save You from Legal Repercussions

29.01.2013

Car insurance in San Jose

The State of California has many ways of finding out your insurance status, and the consequences for not having any can be steep. Finding cheap car insurance quotes (San Jose included) can keep you protected in many ways.

What is the Law Regarding Car Insurance Quotes in San Jose, California?

Where you live can have a huge impact on your car insurance quotes. It can affect what factors determine your premiums, the overall rate, and how much insurance coverage you are required to have. California law determines car insurance quotes in San Jose, CA.

In California, it is a legal requirement for you to have evidence of adequate car insurance if you are driving a car - whether yours or someone else's. Even if you own a car that you do not intend on driving, you will still need to have auto insurance. Car insurance quotes in San Jose California have to meet the minimum requirements set forth by California's Compulsory Financial Responsibility Law. This law requires all drivers and vehicle owners to be financially responsible for their actions. This law helps set forth the minimum amounts of coverage required. Currently, the minimum limits of liability insurance states that the person who is at fault for any accident that ends in the death or injury of a person is liable for $15,000, or $30,000 if there is more than one injury involved. The person at fault is also responsible for $5,000 in property damage per accident.

You might think you can avoid the hassle of car insurance quotes in San Jose, CA as long as you can cover the costs of an accident. If you take the right steps, this could be a possibility. California recognizes four different ways of proving financial responsibility. The first is obviously carrying adequate liability insurance. The second is by making a cash deposit of $35,000 with the DMV. You also have the option of obtaining a certificate of self-insurance if you own a fleet of 25 or more vehicles, or obtaining a surety bond for $35,000 from a California licensed insurance agency.

If you live in California, you will need to at least meet these minimum requirements. If not you can face severe penalties such as fines, loss of license, or thousands of dollars in medical and property damage bills if you are involved in an accident. There are many other options you can get when choosing car insurance quotes in San Jose, California such as comprehensive coverage, collision insurance, uninsured motorist, medical payments, coverage for towing and labor, car rental coverage, and even an add on for roadside assistance. These options are not a legal requirement but might still be a good idea for you to have in order to fully protect yourself in an accident.

The best way to make sure you are getting the insurance you need is by contacting an insurance agent. They can look at multiple factors to determine how much your car is worth, what needs to be covered, and how you can get the best rates. Car insurance quotes in San Jose, CA will generally automatically give you the minimum required by law. The hard part is taken care of!