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Automobile Insurance
It's the LAW! You must have Liability Insurance to drive in California—We write basic to full coverage, including liability and physical damage—for standard, high-value and specialty automobiles, as well as classic cars. Simply put, we will find you an affordable rate that will make you smile... =)
Coverage's are various financial protections for you, your car, and others in the event of an accident or loss where you could be considered responsible. Even though it may not be your fault, the fact that you own the car may make you responsible.
Of course, the more protection you buy means that the price will be higher. Conversely, the less protection you buy means that the price will be lower. The amount of insurance protection you buy is up to you. You should consider what you have to lose if you don't have enough insurance protection when someone points the finger of responsibility at you. We have great rates for Preferred Drivers and Drivers that have tickets, accidents and thoses drivers that need an SR22. One of the the most costly situation can be auto insurance coverage for young drivers! In california we have the #1 Best rated Company for Auto insurance and your young drivers! In todays economic climate almost everyone's primary goal is to save money on their Auto Insurance.
The following are brief explanations of the most common auto insurance coverages:
BODILY INJURY LIABILITY (BI)
This coverage protects you if you are involved in an accident and you caused bodily injury to others. It also provides you with a legal defense in case someone sues you because of the accident. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.
PROPERTY DAMAGE LIABILITY (PD)
This coverage protects you if you are involved in an accident and you cause damage to someone else's property. If your car is leased, your lease company may require you to buy higher limits of this coverage. THIS COVERAGE IS REQUIRED TO DRIVE LEGALLY IN CALIFORNIA.
UNINSURED MOTORISTS BODILY INJURY (UM or UMBI)
This coverage pays you and other passengers in your car for injuries you may receive or damage to your vehicle caused by an uninsured driver. THIS COVERAGE IS NOT REQUIRED TO DRIVE LEGALLY IN CALIFORNIA BUT IS STRONGLY RECOMMENDED.
MEDICAL PAYMENTS (MED or MED PAY) This coverage pays medical expenses from an accident for you and your passengers, regardless of fault. This coverage can be in excess of any other health insurance coverage you may have. However, it will pay your health coverage deductible and other non-covered expenses from an accident.
COMPREHENSIVE (COMP)
This coverage pays for damages to your vehicle caused by something other than a collision, such as fire, theft, vandalism, or windstorm. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.
COLLISION
This coverage pays for damages to your vehicle, regardless of fault, when you hit another car or object. This coverage usually has a deductible that you pay to offset costs. A higher deductible means a lower price for this coverage. THIS COVERAGE IS REQUIRED IF YOUR CAR IS FINANCED OR LEASED.TOWING
This coverage helps offset the cost of towing your vehicle. It usually allows coverage up to a predetermined amount for each towing incident.