The state of California is full of millionaires, beautiful people, and expensive cars yet their state only requires 15/30/5 coverage for car insurance. It's hard to say why one of the wealthiest states have the lowest minimums, but Californians need to know that this is not a sufficient amount in many cases. In this sue happy world, a lot of people lose some, or all, of their hard earned wealth in lawsuits stemming from vehicle accidents and inadequate insurance coverage. California car insurancelaws will increase the required coverage eventually, but residents need to act now before something happens. Car insurance ratequotes can be found easily online for free with no obligation to purchase.  

15/30/5 coverage means that there is $15,000 of liability coverage for bodily damage per person, $30,000 per accident, and $5,000 for property damage. When a person is injured in a car crash, $15,000 will barely cover medical expenses and $5,000 is laughable when thinking of vehicle replacement in California.  

Take myself for example. I was  injured in an ambulance crash while at work. I was the passenger and my partner was the not-at-fault driver. I sustained a broken wrist and was out of work for four months. Our ambulance was totaled and a lot of emergency medical equipment was destroyed. This was a minor injury and a relatively small loss of income, but a huge property damage loss. Luckily the at-fault driver had enough coverage to adequately pay my medical expenses and lost wages which added up to a little over $18,000.  Her property damage coverage barely covered the ambulance and medical equipment destroyed in the crash. This was in 2001. I guarantee if that crash and that injury happened now, it would cost a lot more. California minimum requirements today wouldn't have covered the expenses back then and surely won't cover them now. Protect yourself. If you live in California, get car insurancewith adequate liability amounts, not just state minimums.  

According to Insurance.com, California car insurance rates are average compared to all other 49 states. The average household pays around $1,800 a year. Last year there was actually a 4% drop in costs from the previous year.  This looks good at first, but think about it for a minute. The rate drop may indirectly be due to the low state requirements and the amount of people only buying the minimum. Consumers are only buying low cost California car insurancethat meet their state laws. Insurance companies are lowering their prices hoping to convince people to up their coverage. Take advantage of this. Protect yourself, your family and others by getting more coverage for less.