California Auto Insurance
Information for Cars, Motorcycles, Trucks, SUV's
and Homes
More Auto Insurance
We are an independent, full service insurance
agency working hard to provide low rates and great
service to California automobile owners. Because
we are an “independent” agency we work
with many car insurance companies to find the very
best coverage and rates for your California autos,
cars, and trucks
Free Auto Insurance Quotes
Here are the ways to get a free auto truck van
or SUV insurance quote from us:
Call us at (800) 808-2695 and get an instant
quote over the phone from one of our friendly
representatives. We always prefer to take our
time to speak to you personally. Our experienced
agents will make sure all of your questions
are answered, and all possible discounts are
included.
We represent most of the top-rated automobile
insurance companies licensed in California. We will
help you find great insurance coverage for your
car, truck, home, boat, auto, or motorcycle at the
lowest rates possible.
"We are
committed to providing you with SUPERIOR service
and protection at affordable rates.
More Information about Auto Insurance
California auto insurance protects you against
financial loss if you have an accident. It is a
contract between you and the insurance company.
You agree to pay the premium and the insurance company
agrees to pay your losses as defined in your policy
Auto insurance provides property, liability and
medical coverage:
Property coverage pays for damage to or theft
of your car.
Liability coverage pays for your legal responsibility
to others for bodily injury or property damage.
Medical coverage pays for the cost of treating
injuries, rehabilitation and sometimes lost
wages and funeral expenses.
An auto insurance policy is comprised of six
different kinds of coverage. Most states require
you to buy some, but not all, of these coverage's.
If you're financing a car, your lender may also
have requirements.
Most auto policies are for six months to a year.
Your insurance company should notify you by mail
when it’s time to renew the policy and to
pay your premium.
You must have auto insurance to
drive
Almost every state requires you to have auto
liability insurance. All states also have financial
responsibility laws. This means that even in a state
that does not require liability insurance, you need
to have sufficient assets to pay claims if you cause
an accident. If you don’t have enough assets,
you must purchase at least the state minimum amount
of insurance. But insurance exists to protect your
assets. Trying to see how little you can get by
with can be very shortsighted and dangerous.
If you've financed your car, your lender may
require comprehensive and collision insurance as
part of the loan agreement.
What to expect in your auto policy:
Your auto policy may include six coverage's.
Each coverage is priced separately.
1. Bodily Injury Liability
This coverage applies to injuries you, the designated
driver or policyholder cause to someone else. You
and family members listed on the policy are also
covered when driving someone else’s car with
their permission.
It’s very important to have enough liability
insurance, because if you are involved in a serious
accident, you may be sued for a large sum of money.
Definitely consider buying more than the state-required
minimum to protect assets such as your home and
savings.
2. Medical Payments or Personal Injury
Protection (PIP)
This coverage pays for the treatment of injuries
to the driver and passengers of the policyholder's
car. At its broadest, PIP can cover medical payments,
lost wages and the cost of replacing services normally
performed by someone injured in an auto accident.
It may also cover funeral costs.
3. Property Damage Liability
This coverage pays for damage you (or someone
driving the car with your permission) may cause
to someone else's property. Usually, this means
damage to someone else’s car, but it also
includes damage to lamp posts, telephone poles,
fences, buildings or other structures your car hit.
4. Collision
This coverage pays for damage to your car resulting
from a collision with another car, object or as
a result of flipping over. It also covers damage
caused by potholes. Collision coverage is generally
sold with a deductible of $250 to $1,000—the
higher your deductible, the lower your premium.
Even if you are at fault for the accident, your
collision coverage will reimburse you for the costs
of repairing your car, minus the deductible. If
you're not at fault, your insurance company may
try to recover the amount they paid you from the
other driver’s insurance company. If they
are successful, you'll also be reimbursed for the
deductible.
5. Comprehensive
This coverage reimburses you for loss due to
theft or damage caused by something other than a
collision with another car or object, such as fire,
falling objects, missiles, explosion, earthquake,
windstorm, hail, flood, vandalism, riot, or contact
with animals such as birds or deer.
Comprehensive insurance is usually sold with
a $100 to $300 deductible, though you may want to
opt for a higher deductible as a way of lowering
your premium.
Comprehensive insurance will also reimburse you
if your windshield is cracked or shattered. Some
companies offer glass coverage with or without a
deductible.
States do not require that you purchase collision
or comprehensive coverage, but if you have a car
loan, your lender may insist you carry it until
your loan is paid off.
6. Uninsured and Underinsured Motorist
Coverage
This coverage will reimburse you, a member of
your family, or a designated driver if one of you
is hit by an uninsured or hit-and-run driver.
Underinsured motorist coverage comes into play
when an at-fault driver has insufficient insurance
to pay for your total loss. This coverage will also
protect you if you are hit as a pedestrian.
