Planning to drive in California? Read about auto insurance laws.

Driving in California: What You Need to Know About Auto Insurance Laws

Driving in California, particularly in one of the big cities like Los Angeles or San Francisco can seem like a stressful task, even if it is an essential one for many people. While you may have to get used to driving in the area, you'll need to understand and obtain California auto insurance before you jump in the car and get moving. Use this guide to help.

How Much Coverage?

Obtaining auto insurance in California is relatively easy, though you may be wondering how much coverage you really need. The answer is that you need $15,000 to $30,000 worth of insurance to cover injuries or death to one or more person, as well as $5,000 worth of coverage to take care of property damage. Hopefully you won't ever need your coverage, but you need to be protected by law.

Should I Get Comprehensive Coverage?

Comprehensive coverage provides compensation for damage to your car, other vehicles and any injuries to others. However, if you have an older car, you may not need it. You'll need to weigh the monthly cost of the coverage to how much your car is really worth. Paying an extra $100 per month may not be a good idea if your car only has a resale value of $2,000.

If you happen to be leasing a car, you'll likely be required to carry comprehensive coverage in just about every case. Without out, the dealer would be responsible for damage on a new vehicle, which could be costly.

Mommy's Musings On Cars

When it comes to cars, it is important for me that it looks nice, not so boxy like some models. Of course I want it to be comfy and has ample leg room for everyone. A sedan-type of car doesn't work for me as I feel dizzy being so low and looking up to the other vehicles around. I am glad my hubby Rix considered these when we acquired our car and I am quite satisfied with it. Most of all, as Rix noted, it is fuel-efficient, too. That is important in these times.

As for the car accessories, I absolutely don't have any idea what's in that department. I wouldn't know which is useful, or are they for decorative purposes only? Take for example car grills, spoilers, grill guards, running boards, and so on and so forth, are those necessary or the default ones will do just fine? And that is just for the car's exterior. What about the interior? There are floor mats, dash kits and custom gauges, to name a few. So far, Rix isn't pining for any accessories for the family car, yet. Maybe just a headlight change that he has mentioned some time ago. We had a plan to change the seat covers into leather before, but haven't gotten around to doing that. What about car seats and booster seats? Are they considered as accessories? If yes, I think these are the really necessary accessories that we need to have, since I cannot be a car seat to two children. And kids should learn how to sit still inside the car, too.