Your family deserves the best plan possible

California law requires all drivers to maintain financial responsibility in case they cause an accident. Having auto insurance is the most common way to meet this requirement. It helps ensure that if you're at fault in a collision, there's coverage to help pay for the other person's injuries and property damage, as well as potentially your own. Driving without insurance can lead to fines, license suspension, and even vehicle impoundment.

A standard auto insurance policy often includes several types of coverage, such as:

• Liability Coverage: This helps pay for damages you cause to other people's property or their injuries in an accident where you are at fault.
• Collision Coverage: This helps pay for damage to your vehicle if it collides with another vehicle or object.
• Comprehensive Coverage: This covers damage to your vehicle from events other than collisions, like theft, vandalism, fire, or natural disasters.   
• Uninsured/Underinsured Motorist Coverage: This helps protect you if you're involved in an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover your expenses.   
• Medical Payments Coverage (or Personal Injury Protection - PIP, depending on the region): This can help pay for medical expenses for you and your passengers injured in an accident, regardless of who is at fault.

The amount of coverage you need depends on various factors, including your assets, income, and risk tolerance. While there are often minimum legal requirements, these may not be enough to fully protect you financially in a serious accident. Consider the potential costs of injuries and property damage and choose coverage limits that can adequately cover those expenses.

Insurance companies consider several factors when determining your premium, such as:

• Driving Record: A history of accidents or traffic violations can increase your rates.
• Age and Experience: Younger, less experienced drivers often pay more.
• Vehicle Type: The make, model, and safety features of your car can affect the cost.
• Location: Accident rates and other regional factors can play a role.
• Coverage Limits and Deductibles: Higher coverage limits and lower deductibles generally lead to higher premiums.
• Credit History (in some regions): In certain areas, your credit history may be a factor in determining your premium.

Yes, many insurance companies offer discounts. Some common ways to save include:

• Maintaining a good driving record.
• Bundling your auto insurance with other policies (like homeowners insurance).
• Having safety features in your vehicle (like anti-lock brakes and airbags).
• Increasing your deductible (the amount you pay out-of-pocket before insurance covers the rest).
• Driving fewer miles per year.
• Qualifying for good student discounts (for young drivers).
• Paying your premium in full.
• Shopping around and comparing quotes from different insurance providers.