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Standard liability, comprehensive, and collision coverage tailored for California drivers. Get a free online quote in minutes.
Coverage Details
From coastal highways to inland commutes, our auto insurance policies are built for the way California drivers actually live and drive.
California law requires every driver to carry minimum liability coverage. Standard liability insurance pays for injuries and property damage you cause to others in an accident. The state minimum is 15/30/5, but we strongly recommend higher limits to protect your assets. Our agents help you understand the difference between split-limit and combined single-limit policies and find the right level of protection for your budget and risk profile.
Comprehensive coverage pays for damage to your vehicle caused by non-collision events such as theft, vandalism, fire, falling objects, and weather. On the Central Coast, where ocean salt air and seasonal storms can take a toll, comprehensive coverage is especially valuable. It also covers windshield damage from road debris on the 101 and PCH, a common occurrence for Ventura County commuters.
Collision coverage pays for damage to your vehicle when you are involved in an accident with another vehicle or object, regardless of fault. If you are financing or leasing your car, your lender will require collision coverage. Even for paid-off vehicles, collision coverage protects your investment and ensures you can get back on the road quickly after an accident.
Roughly one in seven California drivers operates without insurance. Uninsured motorist coverage protects you and your passengers when the at-fault driver has no coverage or not enough to pay for your injuries. Given the high number of uninsured drivers on California roads, this coverage is one of the most important additions you can make to your auto policy.