If you live in the Sacramento area and want to register your vehicle there, you must carry the minimum auto insurance required by the state of California. This coverage not only protects you and other motorists, but it’s also required by law enforcement, the DMV, and most auto loan lenders.
The minimum vehicle coverage in California is:
If you don’t purchase at least this coverage, you can be cited and fined by law enforcement if stopped, and you won’t be able to take home a newly purchased car or truck. More importantly, if you are at fault in a motor vehicle accident and don’t have insurance, the legal damages could wipe out your savings or force you to sell your home or business.
When it comes to our clients in Sacramento, we usually recommend getting more than just the minimum auto insurance, especially if you have a young driver in your home or if you would be considered a high-net-worth individual.
Additionally, we suggest purchasing full coverage auto insurance, which includes:
Remember, your liability coverage does not cover collisions, theft, or other types of loss. In fact, full coverage is typically mandated by financiers when you take out an auto loan.
At Circadian, we are independent agents with a huge selection of auto insurance products for our Sacramento customers, which you won’t find at those big insurance companies. No matter what your unique requirements or budgets, we aim to find the perfect policy for you, including balancing your premium with your deductible for the most reasonable costs. Reach out online for a quote, or call us at 925-417-8500 with your auto insurance questions. We look forward to hearing from you soon.
Give us some info and we’ll help you find the best coverage options.