California auto insurance is something that every driver needs to learn about before they hit the road. Being protected is only part of the issue. Being legally responsible is the most important element in purchasing auto insurance. The state requirements for California auto insurance are:

,000 for bodily injury or death per person
,000 for bodily injury or death per accident
,000 for property damage per accident

For those drivers who are eligible for the California Low Cost Automobile Insurance Program (LCA), the state minimum requirements are:

,000 for bodily injury or death per person
,000 for bodily injury or death per accident
,000 for property damage coverage

Most of us are looking for the best auto insurance rates with a top rated insurance company. But how do you find it without spending half your life visiting insurance offices or talking to agents. Here’s a quick and easy way …

How do I get the best auto insurance rate?

As a former insurance agent I get asked this question all the time, and each time my answer is the same: “Shop and compare.”

The only way to know if you’re getting the best car insurance rate for your particular situation is to comparison shop, and the best way to do that is to fire up your computer and shop online.

Choosing a good Florida auto insurance company can be a challenging task. A person that has grown up in Florida and has friends and family there would simply need to ask an experienced driver for a referral. However, a person that does not have friends and family to rely on will need to find a good insurance agency alone. The following three tips can help a person to choose an insurance agency that is honest, reliable and affordable.

One should start by looking up online review sites. Such sites will list insurance agency reviews that are both positive and negative. While no agency will ever get 100% positive reviews, the key is to find an agency, or a number of agencies, that do get good review ratings. One should pay close attention to whether or not the agency has a good track record for paying out claims and compensation on time. This is a key factor to look for. Each city in Florida will also have an online Better Business Bureau listing. These listings will rate companies and give a person valuable information as to whether or not a particular company is honest and bona-fide. Never work with an insurance agency that is not listed with the city’s Better Business Bureau.

Once a person has gathered a list of potential auto insurance companies, he or she should do a bit of comparison shopping. Call the companies and ask for details regarding insurance terms and prices. When choosing a Florida auto insurance company, do not fall for the common misconception that all insurers charge the same amount. Insurance is a competitive field and there are often large price differences from one insurance agency to another.