Looking for information on Riverside car insurance? Riverside, in beautiful inland Southern California, is one of the fastest growing cities in the country. With a population over 300,000, it is the 12th largest city in the state. According to the Morgan Quitno rankings, it is one of the 50 safest cities in the country. However, in Riverside, where traffic can be heavy and the risk for accidents high, it is important to carry a Riverside car insurance policy.

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What to Look for in Riverside Car Insurance Coverage

If you are shopping for Riverside CA car insurance you need to know exactly what you have to have, in addition to what is recommended, so that you can make an informed decision on the coverage you buy. California residents are required to prove financial responsibility if they own a car. This can be done with a self-insurance certificate, a cash deposit to the DMV or a surety bond.

Financial responsibility can also be proven through an insurance liability policy in the amount of $15,000 bodily injury coverage per person, $30,000 bodily injury coverage total per accident and $5000 property damage coverage. These limits are very low and can easily be exceeded if you are at fault in a serious accident. Most insurance professionals and financial advisors recommend limits about 10 times higher than these.

In addition, you will also need to carry collision and comprehensive coverage if your vehicle is financed. The lender typically requires this type of coverage so they have recourse to collect on their investment if the vehicle is damaged, destroyed or stolen. You may also want to consider other types of coverage like uninsured motorist coverage, personal injury protection and roadside assistance type insurance.

Tips for Saving Money on Riverside Car Insurance

If you are looking for a Riverside car insurance policy, it is not wise to save money by opting for just the minimum required coverage. To provide better protection, opt for higher liability limits and use the following tips to save money on car insurance in other ways.

Limit the number of miles you put on your car yearly. Use public transportation, walk, bike or carpool when possible.

Raise the deductibles on your collision and comprehensive coverage if you carry those types of coverage.

Avoid duplicate coverage. If you have a roadside assistance policy through your credit card or some other organization, opt out of it for your insurance policy.

Remove collision and comprehensive coverage on older vehicles that are paid off and have a low book value.

Ask the insurance company about discounts that you might be eligible for. Joining the PTA at a neighborhood school might cost $5, but save you 5 or 10% on your car insurance.

Put you car and home insurance on the same policy for a multi-line discount on both.

Shopping for Riverside Car Insurance

If you are looking for a car insurance policy in Riverside, or any part of Southern California, it pays to shop around. There are a wide variety of car insurance companies serving the area and competition can be fierce. Some of the companies that offer coverage to Riverside car owners include the following:

• Allstate
• Liberty Mutual
• Farmers
• Progressive
• GEICO
• AIG
• State Farm
• Wawanesa

Because there are so many companies offering car insurance in Riverside, prices can be vary greatly from one company to another. Each of them has their own set of underwriting guidelines and therefore the price you get from one may be very different than the quote from another. For this reason it is important to shop around, get a variety of quotes and compare them. The worst mistake you can make when looking for car insurance is to take the first quote you get.

Compare Riverside Car Insurance Quotes!

It has become quite easy and very time efficient to shop and compare Riverside car insurance rates in recent years. By using an online quote tool, you can get a variety of Riverside car insurance quotes in practically no time. You simply start by inputting your zip code, answering questions related to your vehicle and driving record and the quote tool does the rest. Your information is submitted to insurers serving your area and in practically no time you will have multiple quotes to compare and contrast, all based on exactly the same information. You are truly comparing apples with apples.

Whether you are a student living in the Riverside area, involved in the famous citrus industry here, or are just a regular citizen, you can find a great policy to fit your exact needs quickly by using a free online quote tool any time of the day or night.

Enter your zip above to get started comparing Riverside auto insurance quotes online for free!