Berkeley Auto Insurance

Searching for affordable auto insurance in Berkeley, CA? Thousands of people are spending too much and could be saving $$$ on car insurance.

Wondering how to save some cash on your car insurance? Comparing rates from multiple insurers is the quickest thing you could do.

Get FREE, no obligation, Berkeley car insurance quotes in 2 minutes or less

Berkeley, California, Auto Insurance Requirements

Prior to getting insurance quotes, it is a good idea to learn about California’s car insurance requirements. It is up to you to choose how much cover you actually want depending on your situation. The minimum required by law is:

Bodily Injury Liability (BIL) of $15,000 per injured person
Up to a total of $30,000 per accident – Bodily Injury Liability (BIL)
$5,000 minimum limit for Property Damage Liability (PDL)

This basic coverage is often called 15/30/5.

Motorists in Berkeley, CA, are not obligated by law to have uninsured motorist cover. Nonetheless, there is an actual risk of being hit by an uninsured motorist nowadays. If it happens to you and you don’t have uninsured motorist cover, you must pay all the bills yourself. Adding such cover to your insurance policy is not expensive at all and can save you a lot of hassle.

Comprehensive physical damage coverage – this is the type of cover you need if you want to protect your car against fire, flood or theft. Take into consideration the value of your car before adding such cover and decide if its worth it or not. Having higher deductibles will keep the price of this coverage very low.

Cheap Berkeley Car Insurance

But is it really possible to obtain affordable car insurance in Berkeley, California? Yes, it is! Firstly, ensure you provide insurers the correct information. The make and model of your vehicle play an essential role when insurance rates are determined. ABS and air bags – are they some of the basic safety features of your vehicle? How about an anti-theft alarm? Responding “Yes” to these kinds of questions usually means that you really should be able to get lower rates.

Have you considered improving your driving abilities? It is a fantastic idea to take a defence driving course, especially if you are an inexperienced or an older motoristIf you are an inexperienced or even an older driver, taking a defence driving course is a brilliant idea. Insurance providers often encourage sensible drivers with lower rates.

Want even more discounts? – combine your policies. Obtain your car insurance and your home or renters insurance policy from the same insurance company and you will save a lot.

Of course, comparing quotes is the real key. Never settle for the initial quote you receive. You need at the very least three quotes form different insurers.

Compare free Berkeley car insurance quotes now