What are the step-by-step requirements to obtain minimum liability auto insurance in California?

To obtain minimum liability auto insurance in California, you must purchase a policy from a licensed insurer that meets the state's required coverage limits and always carry proof of this coverage with you. Here are the steps to fulfill this requirement. Step 1: Understand California’s Minimum Requirements California law requires a motor vehicle liability policy to include minimum coverage of $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for damage to property. When requesting quotes, you will ask for a "15/30/5" policy. Step 2: Gather Your Information Before contacting insurers, collect all necessary information for every driver and vehicle you want on the policy. This includes the full name, driver’s license number, and date of birth for each driver, as well as the Vehicle Identification Number (VIN), make, model, and year for each vehicle. You will also need the address where the vehicles are primarily kept. Step 3: Request Quotes from Licensed Insurance Providers Contact multiple insurance companies to compare rates. You can do this by calling insurance agents directly, visiting insurer websites, or using online comparison tools. Specifically ask for a quote for a policy that only meets California's minimum liability requirements. Step 4: Purchase the Policy and Obtain Proof of Insurance Once you select a provider, you will complete the application and make your first payment. The insurance company will then provide you with an insurance ID card, either in physical or electronic form. Your insurer is also required to electronically report your insurance information to the California DMV. Important details and nuances: Minimum liability insurance only covers damages you cause to other people and their property; it does not cover damage to your own vehicle or your own medical bills. California also has a Low Cost Auto Insurance Program for eligible low-income drivers, which may be a more affordable option if you qualify. Warnings and limitations: The state minimums are very low and often insufficient to cover all costs in a serious accident. If you cause an accident where damages exceed your policy limits, you can be held personally responsible for paying the difference. Driving without any insurance can lead to significant fines, driver's license suspension, and vehicle impoundment. This is general information and does not constitute legal advice. For complex situations, consult with a qualified California attorney.