The Best Auto Insurance In California For First Time Drivers
Reader’s Question:
I am very happy since I have bought my very first car here in Davis, California, and I would like to know what kind of auto insurance Is best for first time car owners like me?
Terrence
Davis, CA
Determining the best type of insurance for a first time car owner like you will depend on the several factors: the minimum car insurance coverage required in Davis, (as mandated by the Financial Responsibility laws of California), how new your car is, your credit rating, how safely your drive and the number of people who will be using your car, and of course, your budget. Balancing what you will need and what kind of protection you believe is important to you should allow you to narrow down on your list of options and pinpoint the best kind of insurance for you.
Please note that the cheapest or the most elaborate kind of car insurance may not be the best kind of insurance for you. For the basics, the best kind of car insurance should have enough coverage for Bodily Injury Liability (coverage minimum to $100,000 per person and $300,000 per accident), Property Damage Protection ($100,000 minimum) and Personal injury Protection (as high as you can afford here). These will protect you against events that could make you liable to pay hundreds of thousands of dollars for medical and hospitalization expenses, property damages and auto repair. The type of car and how new it is will also affect how much premium you pay every month; a flashy sports car costs more to insure then your grandmother’s wagon, for example. There are a lot of good deals online so try to get about 4 or 5 quotes before deciding on the best insurance for you.