California Auto Insurance
Serving Oakland, San Francisco, and all of Alameda County and San Francisco County since 1925
If your car were damaged or destroyed in an accident, would your auto insurance policy help get you back on the road quickly or would you be stuck taking the bus? In addition to helping you pay for losses due to an accident, fire, theft, or other covered event, your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
For help finding and comparing auto insurance policies from several of California’s top insurance carriers, request a free auto insurance quote or give us a call at 510-653-0685. As an independent agency, Brignole & Ghiri Insurance can help you find the best value on auto insurance in California.
California Auto Insurance Requirements
Every state has its own requirements for showing proof of financial responsibility. In California, every private passenger vehicle must be insured with the following minimum liability limits:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
California does offer other options for proving financial responsibility other than auto insurance, such as a cash deposit of $35,000 with the DMV, a DMV-issued self-insurance certificate, or a surety bond for $35,000 from a business licensed to do business in California. However, for most people, purchasing an auto insurance policy is the simplest way to comply with the law.
While the above liability limits are all that California requires, they are often not enough. For help determining the right auto insurance limits for your car, request a free quote or call us at 510-653-0685 for immediate assistance.
Additional Coverage Options in California
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
You deserve an auto insurance policy that will be there when you need it. Talk to us today to find out how to get the best price and value on auto insurance in California.