All vehicle drivers should car insurance for the protection it can provide. If involved in an accident, it can help cover the costs of the damaged vehicles, as well as any injuries that occurred. In most states, there are laws that require a certain level of insurance before a person can drive on the road. Unfortunately, it can be difficult for some to get insurance when they have had traffic violations or accidents on their record that can increase the costs. Fortunately, Cheap Car insurance in San Jose is attainable.
Insurance minimums in California
California law requires that every driver possesses a certain level of liability coverage. Each driver must carry $15,000 individual and $30,000 total bodily injury liability. This means the insurance company will pay up to $15,000 per injured person with a total payout limit of $30,000. They must also have at least $5,000 worth of property damage liability. This means the insurance company will pay up to that amount for any damage caused by the insured driver.
Other insurance options
In addition to the state minimums, there are other options available to protect a driver from various other potential incidents. For example, if in an at-fault accident, liability insurance will cover the damage to the other vehicle but not the insured person’s vehicle. In addition, if the vehicle is damaged when hitting an animal or due to weather or vandalism, liability insurance will not cover it. Additional insurance options can protect the driver in these types of situations.
Saving money on insurance
The cost of an insurance policy is based on many factors. However, the most important factor that can raise insurance rates is the driving record of the person seeking insurance. Accidents, traffic violations, and DUI’s can greatly increase these costs. Fortunately, there are companies that can provide Cheap Car insurance in San Jose for those with poor driving records.
Companies, such as Coast Auto Insurance, have the ability to assist in finding better rates for those with poor driving records. They have experience and relationships with many insurance companies to search for the best prices available in the area. This can allow anyone to find cheaper options for this type of protection.
