The prospect of moving somewhere like California can be pretty exciting, but don't let responsibility fall by the wayside, there are too many important tasks to accomplish. Car insurance is just one of the many things to consider when preparing to move to sunny Long Beach. Keeping in mind that California is the most populous state, you should expect that they will have and enforce a large number of vehicle and license regulations. To help you understand and follow all of the driving laws, check out the California Department of Motor Vehicles website. It contains all kinds of information, from the most recent laws and required insurance coverage to statistics. It even has information and links to other tasks you will need to do before moving to California.
Most, if not all, states require a minimum amount of liability insurance to registered drivers. Liability insurance only pays for the non-policy holder in the even of an accident; it does not pay for the damages or harm to the policy holder. In California, all drivers must own policies that meet the following requirements: bodily injury for a single person ($15,000), bodily injury for multiple passengers ($30,000), and property damage ($5,000). California is making it more difficult for people to drive uninsured. Companies have to be approved by California to license motorist in the state. Registered companies must then provide reports on cancelled auto insurance and drivers who have not renewed their insurance. Individuals must provide the Department of Motor Vehicles with proof that they have acquired new insurance to keep from having a suspended license.
With an average commute of nearly half an hour, you will be spending close to an hour in your car every week day, increasing the odds that you will be in an accident. In a place as populous and busy as Cali, it is nearly always best to err on the side of caution, and have better insurance. Comprehensive and collision coverage will cover costs that liability only insurance does not. The insurer will pay for damages to your car, regardless of fault, if you have comprehensive and collision on your policy. You can also include bodily injury coverage for yourself.
Now that you are more knowledgeable about the regulations to be a legal driver in California and have made a decision on what additional insurance you want, it is time to start comparing providers. Get several different quotes from registered insurance providers. Because you have already determined what you are looking for, you will be more able to judge the quotes and determine which company will provide you the desired insurance at the best price.