Californian car insurance is some of the most expensive in the states, and there might be a few good reasons for this, not least the amount of driving that you have to do simply to get around the city. However, there are a number of rules that are designed to help drivers to avoid the unfair insurance practices that can be found in other states, so you could be better off if you can find the right insurance for yourself. There are a few things that you should look out for when you are looking for affordable auto insurance in California, and Mona’s Insurance can help you to ensure that you are fully covered when you obtain insurance in LA.
Getting liability coverage
When you are driving in California, you are obliged by law to have a particular type of policy known as liability coverage. This includes set amounts for coverage, including $30,000 for bodily injury per accident, $15,000 bodily injury per person, and $5000 property damage. All of this coverage is the bare minimum that you need to have. Insurers will also have to offer you uninsured driver coverage, known as collision coverage. This prevents you from being charged a deductible in the event that someone hits you or your car when you are driving without insurance. This makes good sense when the percentage of uninsured drivers in California is above the national average. Be aware of these two types of coverage when you are seeking policies to allow you to drive in California.
If you already have insurance to drive your vehicle from another state, then you may think that you are completely covered to drive in California, but you would be wrong. In this state, some insurance companies are not authorized to operate, which means that any insurance policy that they have distributed to you is simply not valid. You will only have 10 days from your arrival to register the vehicle, and this means that you will have to look for insurance quickly. There are some circumstances where you will not necessarily be punished if you do not get the insurance as soon as possible, including where you have previously ensured the vehicle, but be aware that you won’t be able to renew any out-of-state policies, so you will absolutely have to research California car insurance at some point.
Let us help you
If you need help in finding the right sort of auto insurance for your car in California, then you should reach out to the team at Mona’s Insurance today. We are here to do the research that it will take to find a suitable level of insurance cover, as required by state, and this will allow you to feel more confident that you are fully covered and are abiding by the laws when in LA. To find out more about how we can assist you with this service, reach out to our teams today online or by calling us at (866) 794-1990 now.