California Car Insurance Quotes

In an automobile accident, someone must be found at fault and that person as well as their insurance company is responsible for paying all the damages.  This is the tort system that is followed in the state of California, other states also follow a tort system buy may vary in the details.
Basic liability coverage is the most important type of coverage.  Each state sets a standard that must be carried however you should likely carry more and your protection goes up a lot as the cost of additional insurance gets cheaper the more you buy.  It is more important to carry a large amount of insurance for body injury liability as the cost of personal injuries can be much more expensive than any property damage.  In California, state law requires every driver and owner of a motor vehicle must be responsible financially for their actions.  The minimum amount of liability insurance for driver in California is $5000 for property damage, $15,000 for death or injury of one person in an accident and $30,000 for all people in an accident (15/30/5).  The penalty for being an uninsured driver include license suspension, monetary fines and/or vehicle impoundment.
In California, if you drive a factory-built hybrid vehicle or a car that uses alternative fuel, you can save up to 5% on your auto insurance premiums.  Another option for drivers in California, instead of car insurance a cash deposit to the DMV or surety bond from a car insurance company of $35,000 can be made.  There is also a discount available to those that have passed an authorized defensive driver program in California.