AUTO INSURANCE

Auto Insurance

Drive Legally in California

If you want to register and operate your car or truck in the state of California, you are required to have at least the minimum auto insurance coverage. This mandate protects you from legal liability, as well as motorists on the road with you.

In California, you must have proof of insurance with you if stopped by a law enforcement officer. You also need it to register a new car with the DMV, renew your existing registration, and finance an auto purchase.

The minimum auto liability insurance in California is:

- $15,000 for injury or death to one person

- $30,000 for injury or death to more than one person

- $5,000 for property damage

Without the required coverage, you could receive a traffic citation with fines, be refused registration, or not be able to drive a newly purchased vehicle off the lot. Worse yet, if you are found at fault in an accident without insurance, you could wind up paying legal damages that cost you your savings, your home, or your business.

Protect Your Vehicle with Full Coverage Auto Insurance

We sometimes recommend going beyond the minimum liability requirement and taking out a policy with more coverage. This is especially advantageous if you have a new or young driver in the household or if you are a high-net-worth individual.

We also recommend full coverage auto insurance. Full coverage includes:

Collision insurance – covers the cost of repairs or replacement for your vehicle if you are at fault in an accident or involved in a collision with an uninsured party
Comprehensive insurance – covers your vehicle in the event of vandalism, theft, and damage or loss due to fire, storms, and most natural disasters

Your liability coverage does not include collision or comprehensive insurance. Full coverage will probably be required if you finance your vehicle.

Save Money on Auto Insurance and Enjoy Personalized Service

As independent agents at Circadian , we have a wide array of auto insurance products at our fingertips, more than you’ll find with big name insurance carriers. We work with all budget needs and special requirements to find the right policy for you.

We help you balance your premium with your deductible to get the most reasonably priced policy possible. Your deductible is the amount for which you are responsible before your policy pays out in a claim.

Call us at (925) 417-8500 or reach out online for a quick quote. Don’t risk driving illegally in California or without the protection your vehicle should have. Get in touch today.