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:
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.
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:
Your liability coverage does not include collision or comprehensive insurance. Full coverage will probably be required if you finance your vehicle.
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.
Give us some info and we’ll help you find the best coverage options.