El Dorado Hills California Car Insurance

If you’re searching for cheap auto insurance in El Dorado Hills you’ve come to the right place. At Eugene C Yates Insurance Agency we have access to some of the top auto insurance companies in the industry. This allows us to shop around for you to find the best deal for your situation. Our agents also have extensive knowledge on all the auto insurance discounts that may be relevant to you. We are proud to say we’re able to offer our customers the best rates and the best service in El Dorado Hills California since 1946.

What is the minimum car insurance coverage in El Dorado Hills California? 

In California, drivers are typically required to carry the following car insurance coverage;

• Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum
• Property damage liability coverage: $5,000 minimum
• Uninsured motorist bodily injury coverage: $15,000 per person / $30,000 per accident minimum
• Uninsured motorist property damage coverage: $3,500 minimum

Every driver will have unique car insurance needs, the above examples are only what’s required in California. 

Auto insurance laws for new California residents

The California driver handbook is always a good place to start if you’ve just moved to the state. It will give you all the basics such as registering your vehicle, obtaining a drivers license, and all of the important laws and rules while driving in California. 

California deductible waiver

You may be eligible for the California deductible waiver if you carry collision coverage on your automobile. If you have the waiver in place your auto insurance company will pay for the collision deductible if you’re involved in an accident with an uninsured driver. 

El Dorado Hills California registration 

There is a chance your vehicle will be subject to California registration from the date of entry. Typically fees will have to be paid within 20 days from the date the car has entered California to avoid penalties.

Things you’ll need to do:

• Complete an Application for Title or Registration (REG 343)
• Submit your out-of-state registration certificate
• Submit your out-of-state title
• Provide evidence of the California Smog Certification
• Provide an odometer mileage certification
• Bring your vehicle to a DMV office for verification of the vehicle’s identification number.
• Pay the fees
• Commercial vehicles, including pickup trucks, may also require a weight certificate

Please keep in mind there is a use tax on vehicles purchased outside of the state, that you bring into California. You should plan on making payment for the use tax within 365 days of bringing the car into California. 

Car Insurance Discounts in El Dorado Hills California

Good driver discount; If you are a good driver in California there’s a good chance you will receive a discount. If you’re eligible you may be able to get up to a 20% discount on your car insurance premium. In California you’re considered a good driver if;

1. Has verifiable license experience for at least the previous 3 years
2. Has been licensed in the United States for the most recent 18 months, which experience must be verifiable, and certifies the previous 18 months of license experience in any jurisdiction outside of the United States
3. Has not accrued more than one DMV point in the last 3 years. A point is usually assigned for a vehicle code violation or a “principally at-fault” accident; and, if the driver was involved in a “principally at-fault” accident, it must not have resulted in injury or death
4. Has not had a conviction during the past ten years for specific driving under the influence (drug or alcohol) related driving offenses or specific felony convictions.

Good student car insurance discount; If you’re a teenager or young adult you may be eligible for a good student discount. To qualify you must meet the follow;

• Have 8 years or less of driving experience
• Are enrolled in a full-time academic home study program, high school, college, or university.
• Have at least a B average or its equivalent.

El Dorado Hills car insurance agents

If you would like to find out what car insurance discounts you qualify for or would like a free quote, please give us a call at 916 313 6100. We have auto insurance agents standing by to take your call and answer all of your questions.