Sacramento Car Insurance (CA)

Sacramento is the capital of the state of California with a population of over 450,000 residents. As a big city in the bustling California Bay Area, commuters are constantly flooding in and out via highway 80, causing frequent traffic jams and many accidents.

Car Insurance Requirements in Sacramento, CA

California law mandates that every driver and vehicle owner be financially responsible for their actions. The minimum limits of liability insurance in California is known as 15/30/5 coverage. Limits for bodily injury stand at $15,000 for death or injury of any one person in any one accident along with minimum coverage of $30,000 for all people involved in any one accident, and coverage for property damage is $5,000 for any one accident. California does not require Personal Injury Protection (PIP) and does not require Uninsured/Underinsured Motorist coverage for any bodily injury caused by an uninsured driver.

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Ways to Save on Sacramento Car Insurance

California insurance companies offer special coverage for people who are deemed a Good Driver. Drivers earn the distinction of being “good” if they have been a licensed driver for at least three consecutive years and have not incurred more than one point on their driving record in that time. DUI charges will still be considered during a seven year period, as will other major offense or violations. All licensed insurance agents and companies in California must offer cover to Good Drivers. Typically those rates will be 20% lower than other non-eligible drivers. Anyone who qualifies as a Good Driver can not be refused coverage.

Many other factors will influence your rates such as where you live in the city and what make and model the car is that you are insuring due to the theft statistics in your particular area. Rates will also be dependent upon your overall driving history as well as your credit score. Drivers who are shopping for rates or who are looking to qualify as a Good Driver, should contact a local agent for more information. Local insurance agencies and companies will have a better understanding of the requirement for auto insurance in the Sacramento area.

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