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In 2007, for the first time in eight years, California drivers experienced a drop in auto insurance premiums. The .5% - 1% decrease in auto insurance rates is the result of safer cars, more competition among insurers, and the crack down on insurance fraud. However, Californians should not expect rates to continue to drop - most likely, they will just fluctuate. That is why it's important that you stay on top of the price of your policy in relation to the market.

Take Auto Insurance Comparison Shopping in Your Hands

California drivers are protected by law in their pursuit of accurate, low-cost quotes. In 2005, Assembly Bill 2677 passed, requiring that "every insurer that sells private insurance provide consumers with a quote of its lowest-priced personal auto policy at the limits the consumer requests and for which the consumer is eligible." These quotes must be available at all times via the insurer's website or a toll-free telephone number.¹ AB 2677 paved the way for California drivers to obtain the lowest-priced, precise quotes; however, it's up to California drivers to take the wheel in shopping for the lowest-priced quotes that best suits their needs.

Auto Insurance Requirements for Californians

California drivers are required to carry the minimum following coverages:

• $15,000 for bodily injury or death of one person.
• $30,000 for bodily injury or death of more than one person.
• $5,000 in property damage.

Although these are the bare minimum requirements, it is recommended that California drivers add on other coverages so that they are completely covered should they fall victim to vandalism or theft, or are involved in an accident. These optional coverages include uninsured/underinsured motorists, comprehensive, collision, towing, and rental coverages.

Get free comparison quotes on California auto insurance here.

¹ California Department of Insurance. Consumers: Auto Premium Quote Toll Free Numbers, http://www.insurance.ca.gov/0100-consumers/0010-buying-insurance/0010-auto-insurance/index.cfm (2008).