The city of Roseville lies just outside of Sacramento, the capital of California. As the largest city in Placer County, Roseville’s high population has a need for proper car insurance.
Due to the high costs that are often associated with car insurance, California laws have been written to keep car insurance prices within the means of all drivers. But to ensure that you are receiving the best rate possible, use an online price comparison tool to research the insurance carriers in your area and the rates that they offer.
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Consumer-Driven Auto Insurance Laws in California
All licensed drivers in Roseville must be able to prove that they have car insurance if they are pulled over by a police officer. The simplest way to obtain proof of car insurance is by purchasing car insurance.
In Roseville, drivers must be able to cover costs of damages and injuries that they cause in a car accident.
To reduce the financial burden that comes with obtaining car insurance, California law requires insurance companies to offer a 20 percent discount to drivers with good driving records.
Additionally, California law prohibits insurance companies from using credit history as a factor in determining an individual’s car insurance rate.
Minimum Legal Amount of Auto Insurance
The minimum amount of liability insurance required by California law is $15,000 per person and $30,000 per accident in bodily injury liability and $5,000 in property damage liability.
Unfortunately, the legal minimum only pays for damages that you cause to the other driver. The person paying for the minimum liability coverage receives no protection for injuries to himself or herself.
Real Car Insurance Consumers of Roseville, California
Michelle and Steven
Michelle, age 27, is married to Steven, age 30. Michelle is a nurse with the Kaiser Foundation Hospital in Roseville. Steven works for the state of California and uses the Placer Commuter Express service to commute to his job in downtown Sacramento.
Steven’s vehicle is a 2013 Jeep Cherokee, and Michelle drives a 2012 Honda Accord. Neither Michelle nor Steven has had any accidents or tickets in the past three years.
Steven and Michelle prefer the benefits of premium-level coverage for car insurance. Premium-level offers the following protection:
- $250,000 per person and $500,000 per accident in bodily injury liability
- $100,000 in property damage liability
- $250,000 per person and $500,000 per accident for bodily injury caused by an uninsured and underinsured motorist.
- $100,000 for property damage caused by an uninsured or underinsured motorist
- $75 in towing allowance
- $900 in rental car allowance
- Full glass coverage
Premium-level coverage requires a $250 deductible payment.
In Roseville, premium-level coverage for Michelle and Steven is available with the following monthly payments:
- Allstate – $213
- USAA – $226
- AAA – $242
- 21st Century – $252
- State Farm – $294
- GEICO – $298
- Mid-Century – $315
- Liberty Mutual – $356
Since Steven is a veteran, he assumed that his military connection would assure him a more affordable price with USAA. Further research found that reducing the protection level would save them at least $1,000 per year.
Steven and Michelle realize that the additional cost of premium-level coverage will not give them any more protection. They decide that extended-level will provide adequate protection in the event of a car accident.
Extended-level coverage would give Michelle and Steven the following protection:
- $100,000 per person and $300,000 per accident in bodily injury liability
- $50,000 per accident in property damage liability
- $100,000 per person and $300,000 per accident for bodily injury caused by an uninsured or underinsured motorist
- $50,000 per accident for property damage caused by an uninsured or underinsured motorist
- $600 in rental car allowance
- $75 in towing allowance
Extended-level coverage requires a $500 deductible payment.
The following monthly rates for extended-level car insurance are available for drivers like Michelle and Steven:
- GEICO – $134
- Allstate – $152
- USAA – $162
- 21st Century – $165
- Mercury Insurance Group – $201
- AAA – $205
- State Farm – $233
- Liberty Mutual – $234
- Mid-Century – $261
After Michelle and Steven discover the many ways to save on car insurance and the risk of paying too much for car insurance, they check the protection levels and prices of basic-level car insurance.
Basic-level coverage would provide Steven and Michelle with the following protection:
- $50,000 per person and $100,000 per accident in bodily injury liability
- $25,000 in property damage liability
- $50,000 per person and $100,000 per accident for bodily injury caused by an uninsured or underinsured motorist
- $25,000 for property damage caused by an uninsured or underinsured motorist
- $50 in towing allowance
Basic-level coverage in California requires a $500 deductible payment.
Basic-level coverage would cost Michelle and Steven the monthly payments listed below:
- GEICO – $130
- Allstate – $148
- USAA -$156
- 21st Century – $160
- Mercury – $187
- AAA – $192
- State Farm – $218
- Liberty Mutual – $229
- Mid-Century Ins – $249
Michelle and Steven agree that the cost difference between the basic-level and the extended-level coverage is very small and that they should pay the additional amount for the higher level of protection.
Jill
Jill, a single mother of an 18-year-old girl and a 13-year-old boy, has worked hard to get through the recession. After being laid off from her job at Hewlett-Packard in 2009, Jill recently found full-time employment.
Amy, Jill’s daughter, is going to college and working while living at home with Jill and her younger brother and helping with expenses.
California’s auto insurance program for low-income drivers allows Jill to continue driving legally in Roseville. Jill pays $225 per year and is able to finance the annual premium by paying 20 percent down when her policy comes up for renewal.
Jill receives the following coverage for her low-cost auto policy which, unlike basic liability, also gives Jill some protection for herself in the event of an accident:
- $10,000 per person and $20,000 per accident in bodily injury liability
- $3,000 in property damage liability
Uninsured or underinsured motorist coverage and personal injury protection are available options in this program.
Recently, the state of California eliminated the three years of driving experience required for an individual to qualify for low income insurance. This updated law makes it possible for Jill’s daughter Amy to become a licensed driver in Roseville California. Amy will pay $293 per year for car insurance with the same financing terms because she is an inexperienced driver.
Most residents in Roseville, California, are able to purchase car insurance at a fair price. However, it is always beneficial to research prices annually or at renewal time.
The easiest way to research the insurance providers in your area and to compare rates is to use an online comparison tool. Once you compare carriers and rates, you can choose the policy that is best for you.
Start comparing auto insurance rates now using the FREE comparison tool below!
