Reviewing Requirements And How To Get Cheap Car Insurance In Sunnyvale

Insurance | July 15, 2016

In California, drivers are required by law to maintain at least auto liability coverage. This coverage level is required for any vehicle registered in their name. A failure to comply with these laws could lead to serious penalties. Local agencies could provide cheap car insurance in Sunnyvale for these drivers.

What Auto Insurance Coverage is Needed?

The state of California requires drivers to acquire coverage that provides $15,000 for each single-victim accident. The policy must provide $30,000 for any accidents with multiple victims. It should also provide no less than $5,000 for any property damage that occurred during the accident.

What are the Penalties for Not Possessing Coverage?

The current fines for not maintaining insurance the range between $100 and $200 for the first conviction. Any additional offenses incur a fine of between $200 and $500. The court has the legal right to order the impoundment of the vehicle if the automobile owner has more than one offense. They can also suspend their driver’s license and the registration for the vehicle.

Opportunities for Lower Insurance Premiums

The most common options for lower insurance premiums are to maintain a safe driving record. However, select insurers may provide discounts based on prepayment of premiums. These options are available as quarterly, semi-annual, and annual payments.

Teen drivers also acquire discounts for safe driving records. They could additionally acquire discounts based on their grade point averages. When added to a multi-car policy, the premiums are reduced more.

Reviewing Umbrella Policies

An umbrella policy allows the policyholder to gain more discounts. These policies allow them to add all motorized vehicles onto the same policy. This could include automobiles, boats, recreational vehicles, and motor homes. The policyholder could also add watercrafts, ATVs, and camper trailers. The insurer provides a variety of coverage levels for these options.

In California, drivers must follow insurance laws to reduce their liabilities and avoid fines. California state laws enforce this requirement to reduce the possibility of a lawsuit. The automobile owners have access to a variety of coverage levels from which to choose. Vehicle owners who need cheap car insurance in Sunnyvale should visit us website for a free quote and additional information today.

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Leah Austin

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