The basic Car Insurance Requirements in California are as follows:

Liability Insurance is a minimum requirement and a low cost car insurance option as long as the vehicle is not financed.

The liability Minimums are 15/30/5 (Bodily Injury and Property Damage)
15/30/5 Explained:

The first 15 represents $15,000, the maximum coverage for one person's injuries, $30,000 for the total coverage for all injuries sustained in one incident and last but not least $5,000 for the property damage maximum coverage amount.

California Car Insurance Laws:
Insurance proof is a requirement at registration and of course after an accident. The First Offense Penalty is a $500 fine. See Quote Information

California Car Insurance Review Intermission

See over 800 of the finest classic, muscle, lowrider, custom and a variety of other sweet rides from all over the country. These cars will be on the grass at the beautiful Indian Wells Tennis Garden, at the corner of Washington Street and Miles Avenue.
Address: 78200 Miles Avenue Indian Wells, CA

This event will feature a large raffle, silent auction, 50/50 drawing, music, vendors, and food. It will start at 9:00am with a pancake breakfast and will conclude at 3:00pm with trophy presentations.

This year’s special guest will be legendary custom car designer, Sam Foose. Suggested spectator donation $1.00, parking $5.00.

Show car $30 entry at the gate.

Presented by the Palm Springs Cruisin’ Association and all profits will benefit the Desert Cancer Foundation.

For low cost auto insurance rates in California, start out by determining whether or not liability insurance is an option available. If it is, the next thing to do is ask yourself whether or not you are comfortable only having liability coverage on your policy. Liability is the California State minimum which means it's an option for all drivers as long as the car is not currently being financed.

You may decide to keep your car fully-covered because of the value or personal preference. This does'nt mean you need to pay extremely high premiums. One decision you will have, which reflects premium costs, is the deductible amount you choose for your policy. Choosing a high deductible will help lower your auto insurance premiums. If you are in an accident and at fault, the deductible is the amount you will have to pay before your insurance company pays the for the rest of the damages. The downside to a high deductible is, it may be hard to repairs done on your car after an accident if you don't have the deductible amount on hand. For the lowest rates, discounts are another thing you must mention when selecting an insurance provider. You can find insurance providers offering discounts for driving courses taken, owning a hybrid, being a full-time student and even owning your own home. When applying online for a quote, in the "additional notes" section, request a list of discounts available to drivers. This way you can take advantage of all possible discounts available to you.
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