California is known as the land of cars. Almost everyone in the state drives a vehicle of some kind, and the state is adamant that every single one of its drivers is covered by insurance. For many people purchasing auto coverage represents a financial hardship and so the state of California has devised two forms of auto coverage that are so low-priced that virtually every single driver, regardless of their circumstances, can afford to drive legally.
One policy, known as the California Low Cost Insurance Program, or CLCA, provides basic liability protection at a price that almost anyone can afford - plus it offers a monthly payment plan that can't be beat. There are certain qualifications for this plan, and if you'd like to see if you qualify simply phone toll free: 1-866-602-8861.
California has a very similar insurance plan that everyone qualifies for, regardless of income or anything else. It is California's basic liability policy. In California the cheapest basic liability policy that drivers can legally buy is known as a 15/30/5 policy.
What this means is that if you are at fault in an accident your policy will pay the other party up to $15,000 in medical payments to any one individual who is injured and a maximum of $30,000 if two or more individuals are injured in the same accident. It will also pay a maximum of $5,000 in property damages, which usually means the repair of the other person's vehicle.
There is a risk if you just buy a basic liability. While you can legally drive in California with nothing but basic liability coverage it is possible that the medical bills or the costs of property damage will greatly exceed the payouts of your policy. If that is the case YOU could be on the hook to make the remainder of the payments out of your own pocket or purse.
Also, a basic liability policy does not pay anything for your medical bills or for the medical bills of anyone who was in your vehicle at the time of an accident, nor does it pay for the repair of your vehicle.
Regardless of the auto insurance you finally decide on, there is one secret that many people in the industry don't want you to know. If you buy your policy online you will save a ton of money. In fact, buying your policy online is equivalent to getting your coverage at wholesale prices.
So if you truly want to save the most money possible when you buy your auto coverage, be sure to go online and make as many price comparisons as you can - and then smile, smile, smile as you see the amazing savings that you find.
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Affordable Auto/Car Insurance Policy in California