Auto Insurance

Car Insurance for Drivers in Longbeach, California and Beyond
There are currently over 27 million licensed drivers in California alone. California is a wonderfully diverse tourist destination, but residents all face similar dangers when it comes to driving. Accidents happen even to the most careful drivers, so it’s important to have a policy that covers yourself, your passenger and your car. 

Saferoad Insurance works with standard and nonstandard drivers to provide high-quality car insurance at affordable rates. To us, you’re not just a number. We want to create a long-lasting bond with each client by tailoring polices according to your needs. 

What Auto Insurance Coverage Do You Really Need?

Technically, only liability insurance is legally required. This requirement varies per state. In California, all drivers must carry at least:
• $15,000 in bodily injury liability per person
• $30,000 in bodily injury liability per accident
• $5,000 in property damage liability
• $15,000/$30,000 in uninsured motorist coverage per person/per accident

So why not simply by the minimum liability to save money? Well, driving without additional insurance can be dangerous. Cars are expensive to repair and even more expensive to replace. Not having the proper coverage can mean losing thousands of dollars in repairs, medical expenses and even legal fees if another person involved in the accident sues.

Common coverages we recommend (aside from liability) include:

• Comprehensive Coverage compensates for damage or loss to the vehicle due to outside sources not involving collision. This can include fire, hail, wind, theft, vandalism, falling objects and more.
• Collision Coverage compensates for damage or loss to the vehicle due to collision.
• Medical Payments Coverage helps with medical expenses for the driver and their passengers after an accident.
• Uninsured/Underinsured Coverage helps in an accident involving another driver not carrying insurance. 

Insure with Us Today
Protecting your vehicle doesn’t have to be expensive. Insure with Saferoad Insurance today by calling 877-945-7233 or fill out a Long Beach insurance quote!

Frequently Asked Questions

How Far Back Does Car Insurance Look?
Car insurance is calculated based on a variety of factors. Two of these main factors are your driving record and claims history. For your driving record, agencies typically look back around 5 years. Keep in mind that some violations, depending on your state, can remain on your record for as long as 10 years. For your credit score, insurance agencies look back around 7-10 years.

How Many Auto Insurance Claims Can You Have a Year?
There is no real, set limit on how many claims you can have a year. The more claims you have, however, the higher your insurance premiums are likely to go. Take careful consideration before filing a claim. If the damage costs less to repair than the cost of your deductible, you may not want to file a claim.

How Much Auto Insurance Do I Need?
Along with the minimum requirements of the state, you should carry enough car insurance to cover the value of the vehicle, as well as medical bills for yourself and passengers in case of a wreck. Our agents can work with you to calculate how much auto insurance you may need.

How Many Types of Auto Insurance are There?
There are multiple coverages available. There are four main areas of basic car insurance: comprehensive, collision, liability and uninsured/underinsured motorist.

How Often is Car Insurance Paid?
Car insurance is typically paid on a monthly basis, though it can sometimes be paid annually.