Auto Insurance in Sacramento

Follow Driving Laws in Sacramento

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:

- 1. $15,000 for injury or death to one person

- 2. $30,000 for injury or death to more than one person

- 3. $5,000 for property damage

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.

We Recommend Full Coverage Auto Insurance

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:

- 1. Collision insurance – to reimburse the expense of repairs or replacement of your vehicle if you are in an accident with someone who is uninsured or if you are at fault in an accident

- 2. Comprehensive insurance – covers your car or truck in incidents of theft, vandalism, and loss or damage due to fire and many natural disasters

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.

You Get Personalized Service While You Save Money

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.