Auto Insurance

Auto Insurance

To operate an automobile in the State of California (California Insurance Code §11580.1b), you must have at least these minimum liability insurance requirements:

  • $15,000/$30,000 Bodily Injury
  • $5,000 Property Damage
  • $2,000 Medical Payments
  • $15,000/$30,000 Uninsured/Underinsured Motorist
  • $3,500 Uninsured Motorist - Property Damage

Everyone’s insurance needs are unique, but it is important to remember that these are the necessary, minimum requirements for liability coverage. We always recommend people to add more than minimum liability protection for households with teen drivers and high-net-worth individuals.

Full coverage insurance in California is usually defined as a policy that provides more than the state’s minimum liability coverage ($15,000 in bodily injury coverage per person, up to $30,000 per accident, and $5,000 in property damage coverage). Full coverage in California also includes optional collision and comprehensive insurance. If you cannot repair or replace your car after an accident, collision and comprehensive insurance are important coverage types to have—even if they’re not required.

Collision insurance covers repair or replacement costs, if you are in an accident, if you have driven into an object (such as fence), or you have flipped your car. Comprehensive insurance covers repair or replacement costs, if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. We make sure our customers have roadside assistance and full glass coverages.

Comprehensive and collision coverage each have their own deductibles and limits. A deductible is the amount you pay out of pocket toward a covered claim. A limit is the maximum amount your insurance will pay out for a covered claim.

Discounts: Good Driver discount and Good Student discount available.

Please setup an appointment or call us at 209-400-9785 to review your policy or insurance need with us. You can also get a free quote by filling up the following form:

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