Affordable car insurance in southern California has become much easier to find in recent times due to the growing number of different auto insurance services available. Websites have become one of the main focuses in securing a cost-effective policy and although the state is often recognized as having some of the most expensive insurance premiums in the country, car insurance in southern California is often found at prices below the national average.
A minimum coverage of liability insurance is required when driving in southern California. This works on the 15/30/5 Tort system where a driver must be insured for $15,000 worth of third party injury cover when at fault in a road traffic accident. A minimum of $30,000 of coverage is required to cover the cost of multiple injuries sustained in an ‘at-fault’ accident. Policy holders also require at least $5,000 worth of cover for property damage when taking out car insurance in southern California.
Collision coverage is optional but this will pay for the price of repairs sustained to the vehicle of the policyholder in the event of an accident irrespective of who may be at fault and this should be seriously considered.
Comprehensive or personal injury coverage can also make worthwhile additions to a policy when searching for car insurance in southern California. Additionally, coverage that protects against uninsured or underinsured drivers is also a viable extra and offers the policyholder a certain degree of protection when dealing with other drivers who have disregarded the need for adequate insurance coverage themselves.