Oakland Car Insurance

Living in Oakland, CA you are required to have a certain amount of Oakland car insurance to comply with state law.Get the required coverage you need on your Oakland auto insurance policy by using our free Oakland car insurance quote tool.

Learn more about Oakland, CA car insurance before you buy and shop around to find the policy you need today!

Facts About Oakland Car Insurance

Here are some things you should know before purchasing your Oakland, CA auto insurance policy.

• In CA, you are required to have a certain amount of auto insurance. The minimum requirements are 15/30/5. This means you are required to have $15,000 bodily injury liability per person, $30,000 bodily injury per accident, and $5,000 property damage liability.
• California is a tort state, which means that whenever a car accident occurs, someone must be found to be at fault for causing the accident. That person and their insurance company is responsible for the damages.
• You may need more coverage than just the minimum amount required. The minimum amounts required are designed to cover the other driver’s damages in an accident where you are at fault, and this coverage does not cover any of your damages, medical bills, etc.
• The state of California does not regulate the price of auto insurance. Each Oakland, CA auto insurance company is free to set their own rates.

Oakland Car Insurance Coverage

To help you decide which types of auto insurance coverage you wish to include on your policy, here is a brief overview of the most popular available coverage.

• Liability: Liability coverage is required by law in CA. Bodily injury liability will cover medical injuries of the other driver in an accident where you are at fault, and property damage will cover damages to the other driver’s car and property in an accident where you are at fault.
• Collision: Collision coverage will cover damages to your vehicle that are caused by an accident.
• Comprehensive: Comprehensive coverage will cover non accident related damages to your vehicle.
• Personal Injury Protection: PIP will cover your medical expenses resulting from an automobile accident.
• Uninsured/ Underinsured Motorist: This coverage is designed to cover you when you are in an accident and the “at fault” driver is uninsured or underinsured.

Take a minute now to compare your Oakland car insurance coverage options now with our free Oakland car insurance quote finder.

Oakland, CA Car Insurance: Factors Affecting Your Oakland Auto Insurance Rates

The first step to finding Oakland car insurance is by understanding how your rates are determined. Each Oakland, CA auto insurance company is free to determine rates in the manner they choose. In other words, it is unlikely that two auto insurance companies would determine rates in the exact same manner.

The higher the risk that you are to an auto insurance company, the higher your rates will be. The most common risk factors that are used to determine auto insurance rates are:

• Age: Drivers under the age of 25 have a greater risk of being in a car accident than those over the age of 25.
• Marital Status: Married people will pay, on average, less than a single person with the same driving record.
• Gender: Women have shown to be statistically safer drivers, which means their car insurance rates will be lower.
• Location: Rural areas tend to have lower auto insurance rates due to lower traffic volume and fewer accidents. Also, some locations have high rates of vehicle theft which drives up the cost of auto insurance in those areas.
• Driving Record: If you have accidents or moving violations on your driving record you will most likely pay more for auto insurance.
• Claims History: Having a history of making claims might also negatively affect the cost of your auto insurance policy.
• Credit Score: Having a low credit score makes you a higher risk to an auto insurance company and may cause your rates to be higher.

Shopping around and looking for discounts can really help you save money on your Oakland auto insurance policy.

Here are some common Oakland car insurance discounts that may be available to you:

• Low Mileage
• Safe Driver
• Good Student
• Senior
• Military
• Safe Car
• Multiple Policy

Check with your auto insurance company to see what discounts are available or compare policies from other companies to see how you can save!

Compare Oakland Car Insurance Rates Now!

Don’t put off finding the affordable Oakland car insurance policy you need. Take advantage of our free Oakland, CA car insurance quote finder to help you get the coverage you need.

Get started comparing free Oakland auto insurance quotes online now!