Founded in 1850 as a stage stop, Elk Grove, California has grown into a city of over 136,300 residents. Drivers in Elk Grove are required to carry a state minimum of 15,000/30,000/15,000 in liability insurance. This means that any Elk Grove auto insurance quotes you obtain should include bodily injury liability (BIL) coverage of $15,000 per person per accident with $30,000 designated to cover all victims in a car accident where you're at fault. In addition, $15,000 of property damage liability (PDL) is required for any damages sustained to the other vehicle or any surrounding property should you be found to be at fault in a car accident.
If you own a newer model vehicle, you may also want to include the option of full coverage insurance as well when obtaining Elk Grove car insurance quotes. Full coverage is comprised of comprehensive and collision insurance. Although full coverage is not required by law, many lenders mandate full coverage for anyone who leases or is making payments on a newer model car. Comprehensive insurance covers your vehicle for fire, theft, vandalism and natural disasters while collision insurance provides financial relief by paying any repair costs for your vehicle or covering replacement costs for your car if it's been totaled.
In addition, you may be wise to consider uninsured or underinsured motorist's coverage for your vehicle, especially if it's a newer model car. This type of insurance furnishes protection for you and other passengers or drivers in your household if you're hit by someone who isn't carrying any insurance or enough insurance to cover basic expenses with respect to property damage and injury. Personal injury protection is also coverage you may want to subscribe to as well. Even if you're at fault, personal injury protection (PIP) insurance can pay for any personal medical costs resulting from an accident.
Elk Grove car insurance companies can provide you with a number of options for insuring your vehicle. Therefore, you need to weigh the amount of coverage you'll need based on the make and model of your car and how often you drive. If you have an older vehicle that is paid off, you might only need the basic state coverage which can drastically reduce the cost of your premium. On the other hand, if you're making payments on a newer model car or leasing one, then full coverage may be the best way to go. Whatever you finally decide, make sure you get a number of Elk Grove auto insurance quotes for your vehicle so you can compare and ultimately obtain the best rate for your car. Enter your zip code here for some quotes.