Car Insurance in California
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in California, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
Auto Insurance Coverage options in California:
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Our professional auto insurance agents across California can assist you in finding the right car insurance you need.
- Collision coverage insures you against damage to your vehicle caused during an accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
- Collision and comprehensive (other than collision) coverages — pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Liability coverage — pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.
- Medical Payments coverage — pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
- Personal Injury Protection — also known as No-Fault coverage. Pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
- Uninsured/Underinsured Motorist coverage — pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. Also covers you if you are in an accident with a hit-and-run driver.
- Optional coverage — extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
- How much do I need? — depends on assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Key coverage highlights
- Collision & comprehensive coverage
- Liability protection
- Uninsured motorist coverage
- Optional rental & towing
Common questions
What factors affect my auto rate?
Driving history, vehicle type, coverage limits, and location all influence your premium. We shop multiple carriers to find your best rate.
Do I need SR-22 filing?
In most cases, yes — California requires an SR-22 after certain driving violations or license reinstatements. Your advisor can confirm whether your situation requires one and file it with the DMV on your behalf.