Yorba Linda Car Insurance

In 2005, Yorba Linda was noted as having one of the highest median incomes in the United States. Yet, regardless of this, licensed drivers in Yorba Linda do not want to pay more for car insurance than anyone else in the United States.

Although California law does not require car insurance for an individual to be licensed to drive, it does require proof of financial responsibility, which can be difficult and time consuming to obtain. Car insurance is the simplest way to comply with the law and protect oneself from loss due to a car accident.

Many licensed drivers in Yorba Linda could save money on car insurance by researching local car insurance prices before purchasing or renewing a car insurance policy. Read the following guide to discover what you need to know about car insurance in Yorba Linda.

Start comparing auto insurance rates now using the FREE comparison tool above!

Minimum Legal Insurance Requirements

If you decide to purchase auto insurance, instead of showing proof of financial responsibility, the following amounts of liability insurance fulfill the minimum legal requirements:

• Bodily injury – $15,000 for each individual and $30,000 for each accident; bodily injury liability pays for the costs of bodily injury or death suffered by persons, other than the at-fault driver, in the accident.
• Property damage – $5,000; pays for vehicles, structures, or objects damaged by the at-fault driver in an accident.

Licensed drivers who cannot show proof of insurance upon the request of a law enforcement officer will receive a ticket. Other possible penalties include a suspended license and vehicle impoundment.

Real Licensed Drivers of Yorba Linda

Miranda

Miranda, age 42, is single and drives a 2013 Jaguar XF. As a full-time real estate broker, Miranda drives over 25,000 miles per year. In May of 2013, Miranda received a ticket for passing where prohibited.

Miranda carries a premium-level policy, which offers the highest levels of standard protection. For Miranda, higher limits are important because she owns an expensive condominium with a substantial equity. Premium-level insurance provides the coverage listed below:

• $250,000 per person and $500,000 per accident in bodily injury liability
• $100,000 in property damage liability
• $250,000 per individual and $500,000 per accident for bodily injury caused by an uninsured or underinsured motorist
• $100,000 per accident for property damage caused by an uninsured or underinsured motorist
• $75 in towing allowance
• $900 in rental car allowance
• Full glass coverage

Drivers, like Miranda, would pay the following monthly payments for premium-level coverage in Yorba Linda:

• State Farm – $249
• USAA – $267
• 21st Century – $323
• Allstate – $350
• AAA – $373
• Mid-Century – $488
• GEICO – $506
• Liberty Mutual – $707

In May 2016, it will be three years since Miranda received her ticket for illegal passing. Assuming she does not get another ticket and is not involved in an at-fault accident, monthly insurance payments will be reduced to the following amounts:

• State Farm – $214
• Allstate – $238
• USAA – $254
• AAA – $274
• 21st Century – $310
• Mid-Century – $345
• GEICO – $506
• Liberty Mutual – $536

Jane and Brad

Jane and Brad, ages 50 and 49, are employed with the Placentia-Yorba Linda unified school district. Jane is a high school English teacher, and Brad is the principal of a local middle school. They have two children living at home who are ages 18 and 14.

Brad drives a 2013 Honda Fit, Jane drives a 2011 Chrysler Pacifica, and their 18-year-old daughter drives Jane’s former car, a 2004 Honda Civic. The family's cars are fully paid-off. Currently, each of their driving records is free of accidents and violations.

For this family, the following benefits are the most important when it comes to car insurance:

• High bodily injury and property damage protection for all parties
• Quick and responsive service
• Ability to bundle home and car insurance in one policy

Jane and Brad choose a local agent who is able to customize their policy. They can offset some of their high bodily injury and property damage limit costs by increasing their deductible payment.

Having a youthful driver in the family is expensive, but a company that offers meaningful discounts for good students and multiple cars will make the insurance bill more manageable.

Sharon

Sharon, who is 58 and divorced, lost her job in the financial services field during the recession. After several years of looking for work in her area of expertise, she gave up and moved in with her daughter and son-in-law.

Sharon works on-call as a substitute teacher’s assistant for the Placentia-Yorba Linda unified school district and does some free-lance writing online. She is able to keep her driving privileges because of California’s auto insurance program for low income drivers.

California’s Low-Cost Auto Insurance

The California Low Cost Automobile (CLCA) program enables good drivers that have a low income to afford auto insurance and comply with California’s insurance laws. Sharon’s car insurance will cost $363 for one year. She can pay $73.00 down and then pay the remaining balance in seven installments.

This level of coverage will give her the following benefits:

• $10,000 per person and $20,000 per accident in bodily injury liability
• $3,000 in property damage liability

Sharon can also add the following to her car insurance under this program for an additional fee:

• $10,000 per person and $20,000 per accident for bodily injury or death caused by an uninsured or underinsured motorist
• $1,000 per person in medical payments coverage.

The CLCA program does not pay for theft or physical damage to the insured’s vehicle. However, the program does allow the insured to purchase comprehensive or collision coverage through the agency handling the transaction. All automobile insurance agencies within the state of California are required by law to write CLCA policies.

Finding the Best Car Insurance

There is a preferred car insurance provider for every driver. Licensed drivers who know which companies are better suited to them will be able to focus their comparison research more efficiently.

• Best for customer satisfaction – GEICO guarantees 24/7 online service and consumers report that it is easy to be approved by GEICO.
• Best for those with a military Background – United Services Automobile Association (USAA) is limited to consumers with a service record or related to someone who has served in the military.
• Best for local office locations – Allstate, State Farm, and Nationwide have offices in Yorba Linda. These agencies are valued for their personal, long-term relationships with their customers.

Once you know what type of policy you need, the best way to compare auto insurance rates is to use an online price comparison tool. These tools allow you to compare the rates of multiple insurance agencies instantly.

Start comparing auto insurance rates now using the FREE comparison tool below!