Looking for great discounts on auto insurance in Berkeley, California then IQL is for you! Like 1000′s of other Californians you could possibly be saving up to 35% on your car insurance rates simply by evaluating auto insurance estimates from several trustworthy insurers.
Sound like a lot of trouble? Using our hassle-free online form you can enter your particulars once and quickly compare offers from big-name insurance firms like Nationwide, State Farm & Liberty Mutual.
Review California auto insurance policy quotes NOW totally free to see how much you could be saving.
Auto Insurance rates in Berkeley, CA
Over the last 12 months auto insurance costs have in fact gone down in California but in the last month or two rates have started to increase slightly again. More affordable auto insurance rates shouldn’t mean you stop looking for the best prices. With multiple insurers all looking for your custom there is still a lot of variation in the offers you’ll receive. So maximize your odds of finding a good deal by comparing quotes from several insurers. There are some excellent deals out there and you just need to make sure you can find them.
Berkeley, California Auto Insurance Requirements
Auto insurance is a legal requirement in California. If you are caught driving without insurance cover, you will almost certainly get penalized, you may be required to file an SR22 form for a period of three years and just watch your auto insurance monthly premiums shoot up!
In California, you are required to have at least the following minimum limits or auto insurance cover often known as 15/30/5 coverage :
- Bodily Injury Liability (BIL) of $15 thousand per injured person up to a total of $30,000 per accident,
- Property Damage Liability with a minimum limit of five thousand dollars ($5,000)
It’s actually worthwhile noting that if you are eligible for the The California Low Cost Automobile Insurance Program (CLCAIP), the minimum levels can be lowered to $10,000/$20,000/$3,000 respectively and you may possibly be eligable for savings of up to a 20% discount on your premiums.
California has a Tort system meaning someone must be found at blame for causing the accident, and that person and their insurance company is responsible for all the damages or injuries. If you are in an auto accident in Berkeley and you are found legally accountable, your Bodily Injury Liability insurance (BIL) covers your liability to others for any injuries they may endure, and your Property Damage Liability insurance (PDL) covers you for damage to someone else’s property.
It is important to understand that these figures represent the legally required minimum and no respected insurer would advise such low levels of cover. Depending on a number of factors including your age, your automobiles age and your geographical area you would be wise to look at how you can increase your auto insurance policy to provide protection to you in any situation.
Additional Auto Insurance Cover in Berkeley, CA
Aside from the legally required BIL and PDL, you might possibly wish to add additional cover to your insurance policy. Your decision to do this will depend on your personal circumstances and will most likely raise your insurance premiums a bit, but may save you $$$ in the long run.
Extra cover such as uninsured/underinsured driver cover is, considering the number of drivers without insurance on the roads in Berkeley, considered a beneficial addition to your insurance coverage by the majority of insurers.
If your vehicle is brand new or valuable then comprehensive and/or collision coverage is also advised.
It could be doable to offset some of these additional expenses be increasing your insurance deductible. This is the amount of an insurance claim that you are financially responsible for, before the insurance provider will start having to pay out. For example, having insurance with a deductible of say $1,000 means that if the costs of restoring your vehicle after a collision is five thousand dollars, you would pay the first $1,000 and the insurance provider will pick up the remaining $4k. The higher you are willing to make your insurance deductible the lower the risk to the insurance provider and the lower your payments.
Berkeley, California Auto Insurance Deals
Uncovering low cost auto insurance offers in Berkeley, CA has never been simpler. Using a website like Insurance Quotes Locator lets you evaluate offers from multiple insurers directly and gives you all the info you need to make an well informed decision about which car insurance policy is appropriate for you.
Of course there are quite a few elements that influence the car insurance offers you will be offered:
- The make and model of your car
- If your vehicle is fitted with safety features such as ABS, airbags, and adjustable seat belts.
- Your driving track record
- Where you reside
- Your age
- Your annual mileage
- And many more…
It is important that you supply correct facts when getting insurance offers, as errors or omissions could end up costing you a lot.
The key aspect in getting any auto insurance deal is to assess quotations from multiple highly regarded insurance firms. Insurance industry specialists recommend getting a minimum of three offers prior to making any choices. This will give you a great understanding of the car insurance landscape in your neighborhood and will enable you to get the best offers available.
Tags: Berkeley Auto Insurance Quotes, Berkeley CA Auto Insurance, CLCAIP
