Auto Insurance in CA
If you’re like many Americans, your car is probably like a second home. You rely on your vehicle to get you to work, pick your children up from school, and run errands.
On average, Americans drive 220 miles per week, adding up to almost 12,000 miles per year. That’s the equivalent of driving from Washington D.C. to San Francisco twice.
Comprehensive auto insurance is critical. This isn’t just practical, it’s also mandated by law.
Legal Requirements for Auto Insurance in California
Every state has its car insurance requirements. California law requires car owners to have insurance for all vehicles operated or parked on the state’s roads.
You may be required to present proof of insurance in the following scenarios:
- You have been in an accident
- You are renewing your vehicle's registration
- Law enforcement requests your insurance
Think you can avoid the need for insurance by steering clear of these sticky situations? Think again.
Insurance companies are legally required to report personal-use auto insurance data to the California Department of Motor Vehicles.
If the DMV doesn’t get this evidence, they may suspend your vehicle’s registration. You are then legally no longer permitted to operate or park your car on public roadways.
Benefits of Car Insurance
Legal requirements aside, a comprehensive auto insurance plan is simply in your best interests.
Here’s how you benefit:
A car accident can cause thousands of dollars in property damage. Collision coverage helps pay for damages to your vehicle or another driver’s.
Your insurance can also pay for repairs if your vehicle is damaged by other circumstances, like a fire or falling object. Some policies will even pay to replace your car if it’s stolen.
If you are in an accident and someone is injured, you may be held liable. You might have to pay the person’s medical expenses, legal fees, and lost wages if their injuries leave them unable to work.
California requires a bare minimum liability insurance coverage of $15,000 for the injury or death of a single person and $30,000 for multiple persons’ injury or death.
Despite the legal requirements, some people still drive without insurance. If you are in an accident with an uninsured motorist, there is no guarantee they can cover injuries or property damage costs.
Uninsured motorist coverage will help pay your medical fees. Some plans can also be tailored to protect passengers in your car.
Get Affordable California Auto Insurance Today
For help setting up your California auto insurance, trust Insurance By Castle. Our agency is a family-run company and has been serving the community for three generations.
We are fully independent and not tied to any one insurer. This allows us to find the best rate for your needs and your wallet. We can even combine your home and auto insurance to save money.
See what clients have to say about our excellent customer service and what it’s like working with our expert team.
Request a quote below or call (800) 644-6443 for questions.