All About Car Insurance in Modesto

March 11th, 2017 | by admin
All About Car Insurance in Modesto

Car insurance provides financial protection that covers the costs of an accident. Drivers in Modesto are bound by California state laws that require mandatory minimum insurance be carried on any registered vehicle. Drivers without the necessary insurance in place are in violation of the financial responsibility act and face a slew of potential consequences. Although many people view the coverage as nothing more than another expense, car insurance comes in at the most unexpected but necessary times. 

How Much Car Insurance is Required? 

Modesto drivers must abide by California auto insurance requirements. These requirements state that drivers must carry a 15/30/5 policy. This coverage includes $15,000 in bodily injury protection for one person injured with a $30,000 cap for all injuries. The coverage also includes $5,000 in property damage coverage. Drivers are required to show proof of insurance when registering a vehicle when requested by law enforcement, or after an accident, regardless of the at-fault party. Failure to provide proof of insurance is a crime, as the financial responsibility act also states that proof of coverage must be carried inside the vehicle at all times. 

Additional Auto Insurance 

Although not required to comply with the California Financial Responsibility Act, drivers have the option to add collision, comprehensive, and uninsured/underinsured motorist protection to their policy. Collision coverage pays for damages to your own vehicle after an accident with another vehicle. Comprehensive coverage pays for damages caused by vandalism, weather, and other similar causes. Uninsured motorist’s coverage pays for costs of repairs/damage with a driver without the necessary auto insurance in place. Drivers leasing a new vehicle may be required by their loan lender to obtain collision and comprehensive coverage. 

Average California Auto Insurance Costs 

Rates for car insurance Modesto CA average $889 annually, but numerous factors influence the actual amount you’ll pay for coverage. You age, marital status, education, type of ca being insured, driving record, credit score, and several other factors all affect the rates. Compare insurance rates with three to four insurers (or more) to ensure that you get the best prices for your coverage. Comparisons are easy to complete online where there are numerous tools that make it even easier to learn the rates of coverage with top companies in the area. 

How to Save Money on Car Insurance 

To reduce the cost of your auto insurance coverage, make sure to compare rates before you purchase. It is easy to compare and will not take a lot of your time, but it can save a considerable chunk of change on your car insurance costs. Maintain safe driving standards every time you get behind the wheel of your car. Any infraction you receive adds points to your driving record that increase auto insurance rates significantly. Increasing the deductible amount is also a simple way to keep costs of your coverage down. Although you’ll endure more risk when you increase the deductible, if you’re a safe driver it is likely worth the increase.


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