Best cheap car insurance quotes in San Ramon
California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in San Ramon 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 San Ramon
In order to legally hit the road, San Ramon , 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 San Ramon car owners that Jerry recently assisted with obtaining minimum liability coverage.
San Ramon, CA (Zip Code: 94583)
San Ramon, CA (Zip Code: 94582)
San Ramon, CA (Zip Code: 94582)
Do you need more than minimum coverage in San Ramon?
Most drivers in San Ramon 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, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in San Ramon
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 San Ramon full coverage quotes that Jerry’s agents helped our customers obtain.
Last Updated Sep 30, 2023
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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