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In California, it is illegal to drive without car insurance. All licensed drivers must have at least $15,000 of bodily injury insurance per person, at least $30,000 of bodily injury insurance per accident and at least $5,000 of property damage insurance. This is known as the 15/30/5 rule.
Keep in mind that insurance follows the car, not the driver. If a friend is driving your car and they cause an accident, you will need to pay your deductible and your insurance rates may likely go up.
When it comes to car insurance, California teens catch a bit of a break. You'll be covered by your parents' or instructor's insurance while practicing with your permit, so you won't need insurance of your own until you get your license. Ultimately, this can save you a good chunk of money as insurance premiums tend to be highest for teens.
With that said, you should begin examining your insurance options when you have your permit so that you'll be ready to go once you get your license.
When it comes to selecting a car insurance option that works for you, begin by contacting your parents' insurance agent to find out how much it would cost to be added to their policy. This is often the most cost-effective option, especially if you'll be getting your own car. Many insurers offer multi-car discounts.
You can also purchase your own policy, but this can be quite pricey. Be sure to shop around for the best option.
Teen drivers are more likely to be in an accident than any other age group. As a result, insurance companies pay out lots of claims on incidents involving young drivers. This is why teen car insurance rates are so high.
There are things California teens can do, however, to help lower their car insurance rates.