汽车保险可以有效的赔偿您在汽车意外中造成的经济损失。在美国，汽车保险的要求和规范在各个州略有不同。汽车保险能够理赔一些什么项目……
汽车保险可以有效的赔偿您在汽车意外中造成的经济损失。在美国，汽车保险的要求和规范在各个州略有不同。汽车保险能够理赔一些什么项目？对您而言最合理的汽车保险设置是什么？我们在这篇文章中整理了一些汽车保险的相关知识，希望能对您选购汽车保险有所帮助。
加州汽车保险能赔偿些什么？
汽车保险在美国的不同洲有些许不同的差异，但通常有以下几个基本的保险条目。您需要仔细查阅保险公司为您出具的保单以了解具体的赔偿条目。
人身伤害责任险(Bodily Injury Liability)
如果您造成了交通意外，那么您就要对对方的医疗费用、损失的工资以及其他各项使用进行赔偿。此外，如果对方提起诉讼，您甚至可能要支付巨额的法律费用。
随着人们消费水平的提高，美国平均汽车的价格一直在上升。同时，由于汽车意外您还需要赔偿对方工资等的损失，通常来说购买最低保额是不够的。
财产赔偿责任险(Property Damage Liability)
当交通意外发生后，通常对方的汽车也会需要财产赔偿。据2021 KBB的统计，美国平均新车的价格将到达$40,857，这也意味着财产赔偿也不断的会提升。有一些州要求最低可以保$50k显然是不够赔偿的。
提高财产赔偿的赔付额并不会太影响汽车保险的价格，所有我们建议您尽量将这一个数额提高到$100K以上。
无保险/保额不足赔偿(Uninsured/Underinsured Motorist)
据统计每7辆车就有一辆没有保险。通常这些司机也并不富裕。从这些司机那里获得保险的赔偿通常要耗费很大精力。您如果在保险里购买了“无保险/保额不足”的项目，就可以在遇到这种情况的时候获得理赔。
汽车保险有哪些折扣?
以下是常见的汽车保险折扣
折扣
描述
多辆车折扣
如果您的汽车保险保了两辆或以上的车辆，就可以获得多辆车折扣。
保险组合折扣
如果除了购买汽车保险，您还在同一个公司购买了其他类型的保险，比如房屋保险、人寿保险或者租房保险等等，您一般可以获得组合折扣。
学历或者职业折扣
如果您有学士或者以上的学位，通常可以获得教育学历折扣。有一些特定的职业，比如会计师、程序员、或者科学家等也能获得一些职业折扣。
汽车安全设施折扣
如果您的车辆具有自动报警装置或者其他安全设备，通常也可以获得折扣。
安全司机折扣
如果您在过去3-5年没有任何交通意外或者违规，通常可以获得安全司机折扣。
优秀学生折扣
如果您是在校学生，同时每门学科都在B以上，有些汽车保险可以为您提供优秀学生折扣。
无纸化折扣
如果您不需要任何纸张的账单，选择无纸化服务，有些保险公司也能提供一个小额的无纸化折扣。
汽车保险的价格由哪些因素决定?
年龄
性别
驾驶记录
汽车每年的公里数
您的工作
您的最高学历
多辆车折扣
组合保险折扣
车辆的安全设备
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加州各个城市的汽车保险比较
我们为加州的大多数城市进行了汽车保险的详细的比较。如果您对某个城市的汽车保险概况好奇的话，可以点进相关城市的页面。
Adelanto
Agoura Hills
Alameda
Albany
Alhambra
Aliso Viejo
Alondra Park
Alpine
Alta Sierra
Altadena
Alum Rock
American Canyon
Anaheim
Anderson
Antioch
Apple Valley
Aptos
Arcadia
Arcata
Arden-Arcade
Arroyo Grande
Artesia
Arvin
Ashland
Atascadero
Atherton
Atwater
Auburn
August
Avenal
Avocado Heights
Azusa
Bakersfield
Baldwin Park
Banning
Barstow
Bay Point
Baywood-Los Osos
Beaumont
Bell
Bell Gardens
Bellflower
Belmont
Benicia
Berkeley
Bermuda Dunes
Beverly Hills
Blackhawk-Camino Tassajara
Bloomington
Blythe
Bonadelle Ranchos-Madera Ranchos
Bonita
Bostonia
Boyes Hot Springs
Brawley
Brea
Brentwood
Buena Park
Burbank
Burlingame
Calabasas
Calexico
California City
Calimesa
Calipatria
Camarillo
Cambria
Cameron Park
Camp Pendleton North
Camp Pendleton South
Campbell
Canyon Lake
Capitola
Carlsbad
Carmichael
Carpinteria
Carson
Casa de Oro-Mount Helix
Castro Valley
Castroville
Cathedral City
Ceres
Cerritos
Charter Oak
Cherryland
Chico
Chino
Chino Hills
Chowchilla
Chula Vista
Citrus
Citrus Heights
Claremont
Clayton
Clearlake
Cloverdale
Clovis
Coachella
Coalinga
Colton
Commerce
Compton
Concord
Corcoran
Corning
Corona
Coronado
Corte Madera
Costa Mesa
Cotati
Coto de Caza
Country Club
Covina
Crestline
Cudahy
Culver City
Cupertino
Cypress
Daly City
Dana Point
Danville
Davis
Del Aire
Delano
Delhi
Desert Hot Springs
Diamond Bar
Dinuba
Discovery Bay
Dixon
Downey
Duarte
Dublin
Earlimart
East Compton
East Foothills
East Hemet
East La Mirada
East Los Angeles
East Palo Alto
East Pasadena
East Porterville
East San Gabriel
El Cajon
El Centro
El Cerrito
El Dorado Hills
El Monte
El Paso de Robles
El Rio
El Segundo
El Sobrante
Elk Grove
Emeryville
Encinitas
Escondido
Eureka
Exeter
Fair Oaks
Fairfax
Fairfield
Fairview
Fallbrook
Farmersville
Fillmore
Florence-Graham
Florin
Folsom
Fontana
Foothill Farms
Foothill Ranch
Fort Bragg
Fortuna
Foster City
Fountain Valley
Fremont
Fresno
Fullerton
Galt
Garden Acres
Garden Grove
Gardena
Gilroy
Glen Avon
Glendale
Glendora
Gold River
Golden Hills
Goleta
Gonzales
Grand Terrace
Granite Bay
Grass Valley
Greenfield
Grover Beach
Hacienda Heights
Half Moon Bay
Hanford
Hawaiian Gardens
Hawthorne
Hayward
Healdsburg
Hemet
Hercules
Hermosa Beach
Hesperia
Highland
Hillsborough
Hollister
Home Gardens
Huntington Beach
Huntington Park
Huron
Imperial
Imperial Beach
Indio
Inglewood
Interlaken
Ione
Irvine
Isla Vista
Kentfield
Kerman
King City
Kingsburg
La Canada Flintridge
La Crescenta-Montrose
La Habra
La Mesa
La Mirada
La Palma
La Presa
La Puente
La Quinta
La Riviera
La Verne
Ladera Heights
Lafayette
Laguna
Laguna Beach
Laguna Hills
Laguna Niguel
Laguna West-Lakeside
Laguna Woods
Lake Arrowhead
Lake Elsinore
Lake Forest
Lake Los Angeles
Lakeside
Lakewood
Lamont
Lancaster
Larkfield-Wikiup
Larkspur
Lathrop
Lawndale
Lemon Grove
Lemoore
Lennox
Lincoln
Linda
Lindsay
Live Oak
Livermore
Livingston
Lodi
Loma Linda
Lomita
Lompoc
Long Beach
Loomis
Los Alamitos
Los Altos
Los Altos Hills
Los Angeles
Los Banos
Los Gatos
Lucas Valley-Marinwood
Lynwood
Madera
Madera Acres
Magalia
Malibu
Mammoth Lakes
Manhattan Beach
Manteca
Marina
Marina del Rey
Martinez
Marysville
Maywood
McFarland
McKinleyville
Mendota
Menlo Park
Mentone
Merced
Mill Valley
Millbrae
Milpitas
Mira Loma
Mira Monte
Mission Viejo
Modesto
Monrovia
Montclair
Montebello
Montecito
Monterey
Monterey Park
Moorpark
Moraga
Moreno Valley
Morgan Hill
Morro Bay
Mountain View
Murrieta
Muscoy
Napa
National City
Newark
Newman
Newport Beach
Nipomo
Norco
North Auburn
North Fair Oaks
North Highlands
Norwalk
Novato
Oakdale
Oakland
Oakley
Oceano
Oceanside
Oildale
Ojai
Olivehurst
Ontario
Opal Cliffs
Orange
Orange Cove
Orangevale
Orcutt
Orinda
Orland
Orosi
Oroville
Oroville East
Oxnard
Pacific Grove
Pacifica
Palm Desert
Palm Springs
Palmdale
Palo Alto
Palos Verdes Estates
Paradise
Paramount
Parkway-South Sacramento
Parlier
Pasadena
Patterson
Pedley
Perris
Petaluma
Pico Rivera
Piedmont
Pinole
Pismo Beach
Pittsburg
Placentia
Placerville
Pleasant Hill
Pleasanton
Pomona
Port Hueneme
Porterville
Portola Hills
Poway
Prunedale
Quartz Hill
Ramona
Rancho Cordova
Rancho Cucamonga
Rancho Mirage
Rancho Palos Verdes
Rancho San Diego
Rancho Santa Margarita
Red Bluff
Redding
Redlands
Redondo Beach
Redwood City
Reedley
Rialto
Richmond
Ridgecrest
Rio Linda
Rio del Mar
Ripon
Riverbank
Riverside
Rocklin
Rodeo
Rohnert Park
Rolling Hills Estates
Rosamond
Rosedale
Roseland
Rosemead
Rosemont
Roseville
Rossmoor
Rowland Heights
Rubidoux
Sacramento
Salida
Salinas
San Anselmo
San Bernardino
San Bruno
San Buenaventura
San Carlos
San Clemente
San Diego
San Diego Country Estates
San Dimas
San Fernando
San Francisco
San Gabriel
San Jacinto
San Jose
San Juan Capistrano
San Leandro
San Lorenzo
San Luis Obispo
San Marcos
San Marino
San Mateo
San Pablo
San Rafael
San Ramon
Sanger
Santa Ana
Santa Barbara
Santa Clara
Santa Clarita
Santa Cruz
Santa Fe Springs
Santa Maria
Santa Monica
Santa Paula
Santa Rosa
Santee
Saratoga
Sausalito
Scotts Valley
Seal Beach
Seaside
Sebastopol
Selma
Shafter
Shasta Lake
Sierra Madre
Signal Hill
Simi Valley
Solana Beach
Soledad
Sonoma
South El Monte
South Gate
South Lake Tahoe
South Oroville
South Pasadena
South San Francisco
South San Gabriel
South San Jose Hills
South Whittier
South Yuba City
Spring Valley
Stanford
Stanton
Stockton
Suisun City
Sun City
Sunnyvale
Susanville
Taft
Tamalpais-Homestead Valley
Tehachapi
Temecula
Temple City
Thermalito
Thousand Oaks
Tiburon
Torrance
Tracy
Truckee
Tulare
Turlock
Tustin
Tustin Foothills
Twentynine Palms
Twentynine Palms Base
Ukiah
Union City
Upland
Vacaville
Valinda
Valle Vista
Vallejo
Valley Center
Vandenberg AFB
Victorville
View Park-Windsor Hills
Vincent
Vineyard
Visalia
Vista
Walnut
Walnut Creek
Walnut Park
Wasco
Waterford
Watsonville
West Athens
West Carson
West Covina
West Hollywood
West Modesto
West Puente Valley
West Sacramento
West Whittier-Los Nietos
Westlake Village
Westminster
Westmont
Whittier
Wildomar
Willowbrook
Willows
Windsor
Winter Gardens
Winters
Winton
Woodcrest
Woodlake
Woodland
Yorba Linda
Yreka
Yuba City
Yucaipa
Yucca Valley
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