Expert Advice for California

All Articles on California

California Minimum Car Insurance Laws
California minimum auto insurance laws require drivers to carry a minimum amount of liability insurance, summarized as 15/30/5.
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Jacoba Bood
Jun 18, 2021
All About the California Low Cost Auto Insurance Program
The California Low Cost Auto Insurance Program helps provide car insurance policies to low-income drivers, so everyone can remain insured.
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Brady Klopfer
Dec 03, 2020
Tackling Issues with Car Registration Suspension in California
While having your car registration suspended is frustrating, the good news is that clearing the suspension is an easy process in California.
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Mindy Hood
Sep 22, 2020
How to Find a Defensive Driving Course in California
Your DMV or insurance provider are able to provide you with a list of approved defensive driver courses, but there are also other options for you to consider.
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Bonnie Stinson
Jun 10, 2021
The Best Car Insurance Deals in California
California has many car insurance providers, and finding the most affordable provider for you depends on your driving situation.
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Brady Klopfer
Jan 07, 2021
Penalties For Driving Without Insurance in California
If caught driving without car insurance in California, expect to lose your license, face fines and penalties, and pay higher car insurance premiums.
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Cheryl Knight
Jan 22, 2021
The Average Cost of Car Insurance in California
In order to choose the right insurance in California, you need to first know the average costs of car insurance.
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Cheryl Knight
Jan 28, 2021
All About the California Automobile Assigned Risk Plan (CAARP)
CAARP (California Automobile Assigned Risk Plan) can help if your income or risk level prevents you from purchasing car insurance.
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Mindy Hood
Feb 25, 2021
Car Insurance Companies in California
If you need car insurance in California, you can choose from a wide range of companies, including Progressive, GEICO, and Allstate.
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Cheryl Knight
Nov 15, 2020
All About Car Insurance in California
Here's how much liability coverage you need in California, and what other restrictions apply if you drive a car in the state.
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Cheryl Knight
Oct 26, 2020
California Car Insurance Requirements
California has requirements on minimum auto insurance responsibility, to make sure that car insurance policies provide enough coverage for drivers.
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Brady Klopfer
Nov 10, 2020

All Questions on California

In California, can I return a car to the dealer if I didn't sign a full-coverage insurance agreement?
"I financed a car through the dealership, but I didn't get a good deal. The dealer forgot to give me a full-coverage insurance agreement to sign. They've promised to upgrade my car if I sign it. Can I return the car to the dealer, as banks will void the loan because I didn't sign this agreement?"
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Eric Schad
Jun 18, 2021
If I'm leaving for six months, do I need to fill out a planned non-operation form or affidavit of non-use?
I'm going to Japan for six months and I want to leave my car in California. I've already canceled my insurance. What forms do I need to fill out to cancel my registration?
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Sophie Newman
Jun 15, 2021
Will my personal auto insurance policy cover a hired driver to take me to work?
I often have to drive from LA to San Francisco and I hire someone to drive me so that I can sleep on the way. It's my car and I have my own insurance policy for it. Would the driver be covered?
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Sophie Newman
Jun 11, 2021
Do I need to get California auto insurance before registering my car in California, or do I need to register my car first?
Will my insurance ask me for my registration, or will the DMV ask for my insurance? I'm confused.
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Sophie Newman
Jun 08, 2021
Why isn't car insurance accident forgiveness legal in California?
I can't purchase accident forgiveness through my policy in California. Why?
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Sophie Newman
May 24, 2021
When I switch to a different car insurance company, do I need to change my registration in California?
I switched insurance companies, but I still have the same car. Do I need to re-register it?
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Sophie Newman
May 24, 2021
Do I still need insurance if my car is under planned non-operation status?
I live in California and I've registered my vehicle with the DMV under planned non-operation status. Do I still need to keep my insurance policy?
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Sophie Newman
May 24, 2021
What type of car insurance am I required to have for a financed car in California?
I'm trying to figure out what car insurance I'm supposed to have for a financed car. Is there a minimum that's required in California? WIll car insurance companies know what the requirements are?
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Emily Maracle
May 17, 2021
What type of car insurance do I need for my rental car when I'm traveling in California?
I will be flying into California and renting a car for the next three weeks. My credit card company says it pays for "CDW," but what other coverage do I need? I don't' have US car insurance, so I want to make sure that I am adequately covered.
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Shannon Martin
May 12, 2021
Does a driver need to be identified for an uninsured motorist claim in North Carolina?
I have uninsured motorist property damage coverage. My vehicle was hit and I'm not sure who the driver is. I reached out to my insurance company and they initially said that it would be covered, but now it's looking like it won't be. Does a driver have to be identified for coverage?
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Emily Maracle
May 10, 2021
How much can I expect to pay for car insurance as a 16-year-old in California?
I'm getting my license pretty soon in California, and I'm 16 years old. My parents will add me to their policy, but only if I can find cheap insurance. No one will give me a quote because I don't have my license yet, but how much should I expect to pay?
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Eric Schad
May 04, 2021
What type of car insurance do I need in California if I no longer drive, but I have a friend take me to the doctor's office?
My eyesight has continued to decline, and while I have a driver's license, I no longer drive. However, I want to keep my car to get to appointments and I let my friend drive. What type of policy do I need if I live in California?
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Eric Schad
May 04, 2021
Can reporting damage done to my vehicle from a pothole increase my insurance premium?
I live in San Diego and heard that you can submit a pothole damage claim to the city to be reimbursed. The city is requesting my insurance info, and requiring that I report the damage to my insurance company due to the cost. Will my rate go up if I report this damage to my company?
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Emily Maracle
Apr 30, 2021
Did I make a mistake in raising my insurance coverage limits from California's minimum coverage?
I recently raised my insurance coverage limits from the state minimum to $100,000/$300,000 for bodily injury and $50,000 for property damage. Was this a mistake? I'll be paying more monthly and read somewhere that your liability limits should cover your net worth. The minimum coverage I previously had did that.
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Emily Maracle
Apr 30, 2021
How can I get a cheap non owners car insurance policy?
I live in Los Angeles and really don't need a car; however, I rent one when I drive to visit family in Big Bear. I thought I could save money on the rental insurance by getting non owners car insurance, but it seems really expensive. How can I make it cheaper?
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Shannon Martin
Apr 29, 2021
Which auto insurance companies are recommended in CA?
I need to get some insurance quotes and I'm just looking for a list of recommended companies that offer auto insurance in CA. Any ideas?
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Shannon Martin
Apr 29, 2021
Where can I find cheap car insurance in California if I was just in an at-fault accident?
I live in Fresno and was just in an accident. I was found at fault. Upon renewing my policy, my insurance company charged me $1,950 for six months. Where can I find a better rate?
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Eric Schad
Apr 28, 2021
Do I need to add my roommate to my insurance in California if he occasionally drives my car?
My roommate doesn't have a car, so he uses mine to run occasional errands. We live in California. Do I need to add him to my insurance policy?
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Eric Schad
Apr 28, 2021
How much should I pay for liability insurance in an affluent neighborhood in Los Angeles?
I'm 21 and I have had one minor accident. I pay around $1,600 in liability insurance for a six-month policy. Should I shop around for a better rate, even if I live in a wealthy neighborhood in the Los Angeles suburbs?
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Eric Schad
Apr 28, 2021
Where can I find cheap auto insurance for a driver under 25 in Los Angeles?
I want to get my own insurance policy. I'm 23 years old and I live in Los Angeles. Where can I find cheap auto insurance?
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Eric Schad
Apr 23, 2021
Do I have to pay for excess damage in California if my $5,000 property damage liability doesn't cover it?
I was at fault in an accident in Sacramento. I have state-minimum insurance, which covers up to $5,000 in property damage. The other person's car was totaled and valued at $10,000. Now the insurance company wants me to pay the additional $5,000. Does this sound right?
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Eric Schad
Apr 23, 2021
What is the best way to shop for liability and uninsured motorist insurance if I live in California?
I got two speeding tickets in the past year, and now my insurance company wants to raise my rates threefold. I still want good liability and uninsured motorist coverage, but I think I can do better than the rate I was quoted.
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Eric Schad
Apr 23, 2021
Why did my car insurance rates go up in California for my 2015 Lexus?
I went to renew my auto insurance policy. Even for state-minimum coverage, the price nearly tripled. Why did my rates go up in California for my 2015 Lexus?
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Eric Schad
Apr 23, 2021
How will California’s proposed ban on sales of new gasoline cars affect car insurance rates?
I heard on the radio that California might ban gas-powered cars in the next 15 years. I own a car in California. What is that going to mean for my auto insurance rates?
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Shannon Martin
Mar 12, 2021
How long do I have to buy insurance after buying a new car in California?
I know that in California, I have 10 days to register a new vehicle after purchase. Does that timeline also apply to buying car insurance?
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Savannah Grabek
Mar 12, 2021
As an out-of-state college student, where do I get car insurance?
I have Nevada car insurance, but I’m moving to California for college. I’ll return to Nevada when school's out. Where am I supposed to get insurance?
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Savannah Grabek
Mar 12, 2021
How will a carpool lane violation affect my car insurance premium?
I was driving to work in California a few days ago and was pulled over for using the carpool lane when it was just me in the car. Is this going to make my auto insurance more expensive? I feel like I'm already paying a lot...
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Alexah Grinnell
Mar 12, 2021
Do I need a California driver's license to obtain insurance for a car registered in California?
I have a car that is registered in California, but my license is from New Jersey (where I lived before moving to California). Is that going to stop me from getting insurance?
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Alexah Grinnell
Mar 12, 2021

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