In California, all drivers are required by law to purchase and maintain auto insurance coverage. The coverage must be applied to all automobiles registered in their names. A copy of the insurance coverage must be submitted when the owner renews their auto tag or registers a new vehicle. An insurance agent can help the owner with the acquisition of Automobile Insurance in San Jose.
What is the Minimum Coverage?
Currently, in the state of California, owners must have bodily injury liability coverage. The policy must equate to $15,000 for the first injuries with a maximum of $30,000. Next, they must have $5,000 worth of coverage for property damage liabilities. They must also acquire uninsured motorists bodily injury coverage with a minimum of $15,000 and a maximum of $30,000. Finally, they need $3,500 worth of coverage for property damage for any uninsured motorist.
Discounts on Premiums
The automobile owner can acquire discounts to reduce their premiums if they maintain a clean driving record for one year. They can also lower the cost by adding multiple cars to their policy. The premiums are also reduced for drivers who are at least 25 years of age. Additional discounts are available once a driver has reached the age of 60 as well.
Teen drivers can acquire discounts if they maintain clean driving records and achieve higher GPAs. The discounts could lessen the expense of adding a teen driver to the policy. In addition, any driver that drives less than 100 miles within a month could also acquire further discounts.
What Happens if the Owner isn’t Compliant?
If the automobile owner isn’t compliant with local laws, they receive a citation for no insurance coverage. When this happens, they have two choices. They can provide updated coverage information or pay the fine. The fines start at around $200.
In California, all drivers must have insurance coverage on their vehicles. This federal mandate requires them to maintain coverage to lower the probability of a lawsuit after an accident. Owners who need more information about Automobile Insurance in San Jose can visit Coastautoinsurance.com for details or a free quote.