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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.

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

While most people understand that insurance is a legal requirement, not everybody knows why or what will happen if you do not have it. Fortunately, it is easy to find car insurance quotes. San Jose, California is one city that has begun cracking down on uninsured drivers, so searching for quotes should be high on your priority list.

Since October 2006, the State of California has put in place a plan to reduce the number of uninsured drivers on the road. The California DMV has started reviewing the 22.4 million vehicles that are registered in the state and verifying its insurance status. If you are found to be driving uninsured, you will first receive a 30-day warning letter, after which your registration will be suspended if you still do not have insurance. Additional securities are in place as well. If your car insurance policy is canceled or expires, insurance companies are now required to notify the DMV. Driving without registration can lead to steep fines (up to $1000) or your car being seized. Driving without insurance is a very serious offense.

This means that even if you are not involved in an accident or pulled over for a traffic violation, the State of California will still know you do not have insurance, and you will still face consequences.

If you do happen to get into an accident, the consequences of not having insurance are even worse. First, if you are at fault, you will be responsible for paying out of pocket for the damages (property and medical) accrued by the other vehicle, as well as your own bills. Even if you are not at fault, you will likely only get out-of-pocket damages and other expenses will not be covered. Additionally, you can lose your driver's license for up to one year, face fines that go up to $2000, and potential civil cases brought against you.

Fortunately, it is easy to search the Internet and find cheap car insurance quote. San Jose, California is a major city, and you will have a number of insurance options to choose from. In order to be covered legally, it is important that your policy meets the minimum requirements. You will need to have liability insurance that has at least $10,000 in coverage for property damage, $15,000 of coverage per person, and $30,000 coverage per accident.

In addition to protecting you legally and financially, having car insurance has added benefits for society. If people are involved in accidents and do not have insurance, other insurance companies oftentimes have to pick up the bill. This means rates are raised for everyone in order to cover these costs. The more people that carry insurance coverage, the less expensive car insurance rates become.