Thursday, March 12, 2009

Requirements of San Diego Auto Insurance

By J. Lee

San Diego Auto Insurance is required for any residents of San Diego California that owns a car. The prices of car insurance have been going up steadily for the last few years and continues to rise. The first step to saving money from insurance is to know the different coverages available as well as the different insurance companies vying for your business. Then choose the best insurance that fits your needs.

In the state of California, it is required by law that if you do not have an San Diego Auto Insurance, it is illegal for your to operate a car. Even when you go to attain your driver license from California Department of Motor Vehicle, it is requited that you show proof of insurance.

Also, to register a car in California, it is required to show that you have minimum liability insurance. For cars, $15,000 for injuries/death coverage is required for one person and coverage of $30,000 is required for more than one person. These are minimum required by the law, but you can purchase more depending on your financial situation.

Other than the required liability coverage, you should look at coverage for your vehicle as well. When you get into an accident, you should be also covered for damages to your car. So, having the correct amount of coverage is essential. Talk or consult with an insurance agent or research online to see how much San Diego Auto Insurance is needed.

In case you have a loan on your car, it is likely that the lender will require you to carry insurance, too protect their investments. The amount of required coverage is to replace the car in case of damages to the car. But check with your auto lender as to the terms of condition and how much insurance is needed.

The San Diego Auto Insurance does not have to expensive for your to be covered. Getting an online quote or getting discounts because of homeowner insurance with same company or other discounts can save you substantial amount of money.

About the Author:

No comments: