Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance quote comparisons california policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Most drivers wisely opt to buy the and insurance policy, instead of risking their own assets. The auto insurance quote comparisons california liability minimums are 15/30/5. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $5,000 for damage you cause to the other party's property.). These are very low minimums, and you should consider higher levels of coverage, particularly if you have major assets or property to protect. The state's auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage .For better or for worse, the price is decided by the behavior of the state's drivers as a whole. The state's auto insurance companies take the cost of insuring California drivers (this includes settlements and legal fees) and divide it up between everyone.