what is the lowest amount of auto liability insurance allowed in CA?

the lowest amount you can get is 15,000/30,000/5,000.

Bodily Injury: 15,000 (this is the most your insurance company will pay for one person’s bodily injury per accident)

Bodily Injury: 30,000 (this is the most that your insurance company will pay for any amount of persons injured per accident)

Property Damage: 5,000 (this is the most that your company will pay for any amount of property you damage per accident).

The 15,000/30,000 is fine, but never EVER get $5,000 in Property Damage. It’s very very little and you can easily get $10,000 for a few bucks more a month. I hope this answers your question.

1. Raise your deductible.

A higher deductible on collision and comprehensive coverage can lower your auto insurance rates. For example, increasing your deductible from $200 to $500 could cut your collision cost by as much as 30%. Since the average annual premium is $687, this can save you $206 per year.

2. Drop collision and/or comprehensive coverage on older cars.

If your car is declared a total loss, you will receive the cash value. If your car is 5 years old or older, it may make sense to cancel the collision and/or comprehensive portion of your policy and bank the savings.

3. Avoid duplicate medical coverage.

If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto insurance rates. In some states, eliminating personal injury protection (PIP) can lower your premium by up to 40%.

4. Drive a “Low-Profile” car.

The auto insurance rates are much higher for cars that are expensive to repair, or are favorite targets for thieves.   Before buying a car, determine the auto insurance rates.

5. Drive less.  

Some auto insurance companies offer cheap auto insurance quotes to motorists who drive less than a predetermined number of miles a year. Consider using public transportation, a carpool or vanpool to commute to work.  

6. Ask for a multi-policy discount.

Some insurance companies give a discount if you have your homeowner policy with them also.

7. Ask for a discount based on your credit score.

Some auto insurance companies use the credit score to establish premiums. If you have a high credit score, ask for a discount.

8.  Compare auto insurance rates.

When shopping for the cheapest auto insurance, you will find that prices for the same coverage can vary by hundreds of dollars. So, it pays to compare auto insurance rates.

Get free auto insurance quotes at http://www.howtocutyourexpenses.com

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success. Go to http://www.howtocutyourexpenses.com for money-saying tips.

About the Author:

With over 20 years of experience as a personal financial educator and counselor, Vernon Williams has developed in depth knowledge of what it takes to achieve financial success. Today, he is a sought after trainer and speaker by organizations from both the public and private sector. He is the author of 425 Ways to Stretch Your $$$$ and 3 Rules that Guarantee Financial Success. Visit Vernon at http://www.howtocutyourexpenses.com

Article Source: ArticlesBase.com – Low Cost Auto Insurance: 8 Ways to Cut Expenses

Virtually all states within the U.S. have laws governing the minimum amount of auto insurance coverage you must have. In the states that don’t, have financial responsibility laws that state you have to be able to furnish proof of the ability to pay for both bodily and property damage resulting from an auto accident up to a certain minimum amount. The chart below indicates the mandatory minimum requirements state by state. The second first figure is the minimum amount of coverage required for all people injured in an accident. The first figure is the limit for one individual and the third is for property damage. All figures are 1000’s $. So, taking Alaska as an example, the minimum coverage is $100,000 for all persons injured in an accident up to a limit of $50,000 for one individual and $25,000 for property damage.

• Alabama 25/50/25
• Alaska 50/100/25
• Arizona 15/30/10
• Arkansas 25/50/25
• California 15/30/5
• Colorado 25/50/15
• Connecticut 20/40/10
• Delaware 15/30/10
• D.C. 25/50/10
• Florida 10/20/10
• Georgia 25/50/25
• Hawaii 20/40/10
• Idaho 25/50/15
• Illinois 20/40/15
• Indiana 25/50/10
• Iowa 20/40/15
• Kansas 25/50/10
• Kentucky 25/50/10
• Louisiana 10/20/10
• Maine 50/100/25
• Maryland 20/40/15
• Massachusetts 20/40/5
• Michigan 20/40/10
• Minnesota 30/60/10
• Mississippi 25/50/25
• Missouri 25/50/10
• Montana 25/50/10
• Nebraska 25/50/25
• Nevada 15/30/10
• New Hampshire 25/50/25 Financial Responsibility only
• New Jersey 15/30/10
• New Mexico 25/50/10
• New York 25/50/10
• North Carolina 30/60/25
• North Dakota 25/50/25
• Ohio 12.5/25/7.5
• Oklahoma 25/50/25
• Oregon 25/50/10
• Pennsylvania 15/30/5
• Rhode Island 25/50/25
• South Carolina 25/50/25
• South Dakota 25/50/25
• Tennessee 25/50/10
• Texas 25/50/25
• Utah 25/50/15
• Vermont 25/50/10
• Virginia 25/50/20
• Washington 25/50/10
• West Virginia 20/40/10
• Wisconsin 25/50/10 Financial Responsibility only
• Wyoming 25/50/20

It must be stressed that these figures are the minimum required by law. It is generally recognized that more realistic figures would be $300,000 bodily injury protection per accident and $100,000 per person. Other options are available to increase your coverage. These include – Uninsured Motorist Coverage This coverage will pay you for bodily injury and property damage that you suffer as a result of an accident caused by an uninsured driver. Underinsured Motorist Coverage This coverage pays you for bodily injury and property damage that you suffer as a result of an accident caused by a driver who has insurance but whose coverage is less than your uninsured motorist coverage. Personal Injury Protection (PIP) This coverage (sometimes known as “no-fault” coverage) is for injuries that you and others may sustain in an auto accident irrespective of who caused the accident. It covers the cost of hospital and medical expenses incurred in treating injuries and other incidental expenses such as lost wages. Collision Coverage Coverage to pay for damages caused to your vehicle when involved in a collision with another vehicle or object. Comprehensive Coverage This pays for damage to your vehicle that is not the result of a collision, such as fire, theft, vandalism and flooding.

About the Author:

To learn more about auto insurance visit =>

http://www.AutoInsuranceQueries.com
where you will find all you need to know about
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Article Source: ArticlesBase.com – State Auto Insurance – What are the Requirements?

You’re all packed up. You’ve got your trip mapped out, emergency numbers and your campground reservations booked. You’ve picked up supplies at the grocery store, made sure your RV was in good working order and filled the tank with gas. You’ve got everything you need to tour the continental US in your RV. But did you remember to extend your auto insurance coverage?

Nothing puts a damper on the excitement of vacation like having to deal with the practicalities of your auto insurance policy. It’s bad enough to have to pay a visit to the garage to make sure your RV isn’t going to go wheels-up somewhere around Mississippi! Don’t let yourself procrastinate on picking up a good auto insurance policy for your RV, however.

If you think having to deal with paperwork puts a damper on the thrill of your vacation, just wait until you’ve been in an accident and you’re not only “carless”, but homeless as well.

Many people choose to tack their RV onto their standard auto insurance policy, pick up the state minimum liability coverage and hit the roads thinking they’re safe and protected. It doesn’t quite work like that. Here’s what you need to know to make sure you’re not setting your vacation up to take the fall:

a)Most auto insurance companies will offer you RV insurance as a part of your standard auto insurance policy.
b)A regular auto insurance policy might not be sufficient to protect your RV. RVs take more damage and they deal out more damage, so you’re going to want an insurance policy with levels of coverage high enough to compensate for that. Since a regular auto insurance policy may not do it (at least, not at a price you want to pay!) look into the possibility of purchasing a specialized RV insurance policy designed just for people like you!
c)Trouble with the awning is among the top auto insurance claims filed by RV owners, so make sure your comprehensive insurance policy will cover it if unseasonable (or unplanned) hail makes Swiss cheese out of yours.

The first question most people ask when they start talking about purchasing RV insurance is, “How much is it going to cost?” The cost is going to vary from motor home to motor home. The good news is, the same factors that play in when you’re searching for cheap auto insurance are going to influence the cost of your RV insurance. The safety features of your RV, its make and model (and the history of that make and model), your age, your credit score, your job, the levels of coverage you need and your driving history are all going to help you keep the price of your coverage down to something that doesn’t require you to hand over your firstborn every month.

There are a lot of things you have to do when it’s time to get ready for vacation. You know it. We know it. Just don’t forget to make sure auto insurance for your RV is on the list.

About the Author:

Cliff Berman is CEO of QuoteScout.com, dedicated to matching consumers with the
best rates on auto insurance
. For more information on
cheap auto insurance
for your RV, visit them on the web at
http://www.QuoteScout.com.

Article Source: ArticlesBase.com – Is Your RV Ready For Your Vacation? What You Need To Know About Auto Insurance, RVs And You