Auto Insurance In California – What You Need & How To Save
Do you know the most stolen cars in California? Do you have one? Please see to it that you become aware of which ones are on the list. Do you know that it is quite possible your insurance rates can be affected if you own such a vehicle. Here is a record of the ten most stolen cars. Is yours one of them? Let’s hope not.
Southern California Auto Insurance Data – California’s Ten Most Stolen Cars
- Acura Integra (1990)
- Chevrolet 1500 Pickup – C/K Full Size (1992)
- Ford Mustang (2000)
- Honda Accord (1991)
- Honda Civic (1995)
- Nissan Sentra (1991)
- Saturn SL (1993)
- Toyota Camry (1989)
- Toyota Corolla (1987)
- Toyota Pickup (1988)
In just Los Angeles alone with a population consisting of 3,870,487 people, in 2007 there were:
- 19,629 cases of burglary
- 58,304 cases of theft
- 23,524 cars stolen
Something else to keep in mind is that Los Angeles is also known for expensive auto insurance compared to other areas across the state. On an average, the yearly premium is about $ 3,000 while the states averaged slightly under $ 1,800.
Southern California state automobile insurance – Liability Requirements
As with every state, insurance levels vary depending on location but no matter what, there are three fundamental components of liability coverage.
1. Bodily Injury Liability or BIL
This is what your insurance company pays per person injured in a vehicle accident when you are at fault. Minimums vary anywhere from $ 10,000 to $ 50,000 nationwide. Note: California’s BIL is $15,000.
2. Total Bodily Injury Liability or Total BIL
This is the total of what will be paid out for all persons injured in the auto accident. Nationally, minimums range between $ 20,000 to $ 100,000. Note: The minimum for California’s total BIL is $30,000.
3. Property Damage Liability or PDL
This insurance covers property damage that was sustained by the car accident. Physical damage includes:
- Vehicle damage
- Non-medical expenses
- Telephone poles
- Road sign damage, etc.
Nationwide minimums start at $ 5,000 and can go up to $ 25,000. Note: Here the minimum for California’s PDL is $15,000.
It is not uncommon to see vehicles worth more than $ 50,000 so when a car accident takes place, the damage is significant. Southern California auto insurance only requires a ratio of 15/30/15 but think twice about signing up for the minimum? No!
I recommend that you pay a few more dollars to boost your liability coverage up to 100/300/100.
Today, lawyers file suits for every little reason, insuring yourself with an extra coverage can save you a lot of money and a lot of headache. I urge you to not take it lightly.
Tidbit for thought:
Based on the most recent information available – California ranks 7th on the country’s most uninsured drivers list at 18%. Think of it as 1 in 5 drivers. It’s bad enough that CA state liability limits are grossly inadequate, it looks like you also need coverage for uninsured/underinsured motorists.
Need more information? Please visit this link on automobile insurance La Mesa.





