High Risk Car Insurance California Coverage

High Risk Car Insurance California Coverage

In California, it is illegal to drive a car without auto insurance.  This important kind of coverage ensures the protection of the vehicle, the car owner and the passengers of both cars.  While having car insurance California will not prevent an accident from occurring, comprehensive coverage will provide a financial safety net so a crisis does not occur from a single mishap on the road.  If you have been in more than your fair share of car accidents, you may be considered a high risk driver.  In this case, you may be required to obtain high risk auto insurance to legally drive in California.  If you are caught without auto insurance, the consequences can be dire.

Causing many accidents can be one reason you are considered a high risk driver, but simply being a teenager can categorize you as high risk simply due to limited driving experience.  The result of this is a high monthly premium for inexperienced teen drivers.  To encourage good driving habits, car insurance California premiums decrease as teens prove their safety on the road as the years pass.  The cleaner your driving record is, the lower your premium will be.  Your driving record accounts for accidents you have caused as well as traffic laws you have violated.

Apart from causing accidents and being