Secrets to Cheap Car Insurance

To find a lower rate for your California car insurance, just enter your zip code in the box below. You’ll get back a fast, free, easy, no obligation quote from InsureMe.com, one of the largest and most respected insurance cost reduction services on the Internet. You could lower your car insurance premium fast, sometimes in just a few in minutes. You can almost certainly save substantial money on your California car insurance every month.

You can find cheaper car insurance rates if you're a California resident.

In 2006, the state of California put car insurance mandates into effect,
much as many other states had done before it. That means to operate a
motor vehicle in California, one is required to not just carry insurance,
but be able to display proof of it when requested. Under the following
conditions a motor vehicle operator must produce valid proof of insurance
or financial responsibility:
* When requested by law enforcement.
* When renewing vehicle registration.
* When the vehicle is involved in a traffic collision.

Lest you think that you can skate by on this one, the state is one step
ahead of you. All insurance providers are required by law to inform the
state of vehicle insurance to the California Department of Motor Vehicles.
It is a pretty quick matter for an officer to cross check your insurance
on their computer to see if, in fact, you actually have valid vehicle
insurance, whether or not you have your card with you or not. The simple
excuse “I forgot my card.” will no longer get you off the hook until you
appear in court.

You may have to furnish supporting documentation if you are self insured or
are driving a company vehicle. Other documents you may be requested to
provide include:
*  A document or identification card from your insurance company.
* A DMV authorization letter, if you are a cash depositor or are
self-insured.
* California Proof of Insurance Certificate (SR-22) for broad coverage
or owner’s policy.
* Evidence that the vehicle is owned or leased by a public entity
defined in Government Code §811.2.
* A Notification of Alternative Forms of Financial Responsibility (REG
5085) (PDF) form for vehicle covered by a commercial or business
policies and being registered for the first time.
* A statement of facts (REG 256) (PDF) certifying the motor carrier
has evidence of insurance on file with the Public Utilities Commission
or DMV pursuant to CVC §34630.

The following constitutes financial responsibility in the eyes of the
California DMV:
# A cash deposit of $35,000 with DMV
# A DMV issued self-insurance certificate
# A surety bond for $35,000 from a company licensed to do business in the state of California.