Best cheap car insurance quotes in Reedley
California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Reedley and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Reedley
In order to legally hit the road, Reedley , California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability
California minimum liability coverage includes $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Here are some examples of Reedley car owners that Jerry recently assisted with obtaining minimum liability coverage.
Coverage
State Minimum
Reedley, CA
(Zip Code: 93654) Coverage
State Minimum
Reedley, CA
(Zip Code: 93654) Coverage
State Minimum
Reedley, CA
(Zip Code: 93654) Do you need more than minimum coverage in Reedley?
Most drivers in Reedley need higher liability coverage than the 15/30/5 state minimum mandated by California car insurance laws
. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that scant $5,000 property damage limit.
And keep in mind: California’s car accident laws
allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident! The bottom line: For better financial protection, drivers should consider purchasing a full coverage with higher liability limits of 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Reedley
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your car. Full coverage includes comprehensive and collision coverage. Collision coverage
covers the cost of fixing or replacing your car after an accident, while comprehensive coverage
pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the car, your lender will typically require collision and comprehensive coverage. On top of a full-coverage policy, you can purchase uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. The table below shows some recent examples of cheapest Reedley full coverage quotes that Jerry’s agents helped our customers obtain.
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $91 | | Nissan Rogue S |
• State Minimum Liability • Comp / Collision | Aspire Advantage | $194 | | Volkswagen Tiguan S |
Last Updated Nov 1, 2024
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