How Does Car Insurance Work?
The more you know about auto insurance, the easier it is to find an affordable policy that works for you. Learning more about what auto insurance covers helps you make an informed decision about your policy. Saferoad Insurance has years of experience matching our clients with affordable policies that cover their needs. Ready to get started? Read on to learn more about how car insurance works in California and how we can help you find the right coverage.
What Does Car Insurance Cover?
Your coverage depends on the type of policy you buy. California requires drivers to have liability coverage, which helps pay for damage to other people or property if you cause an accident. The minimum liability requirements in California are:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability
Liability is the only auto insurance requirement in California, but it’s worth looking into additional coverages that can protect you, your passengers, and your vehicle in certain situations. Comprehensive coverage helps pay for costs related to weather, fire, theft, and other circumstances. Collision coverage pays for vehicle damage after a collision. Medical payments coverage covers medical expenses to you or your drivers in the event of an accident. Uninsured or underinsured coverage compensates you if you’re in an accident with another driver who doesn’t have the proper insurance coverage.
Pricing Car Insurance
Everyone pays different rates for auto insurance. Providers use factors like age, driving history, and your type of car to determine the cost of your policy. For example, drivers with clean records tend to have lower premiums than drivers with multiple parking or moving violations. That said, you can find discounts and other deals to help you save money on your premium. Many insurance providers offer discounts for seniors, academically successful students, or drivers with a low annual mileage.
Find the Best Insurance Coverage for You
Every driver has unique needs. You deserve a policy that fits your circumstances without breaking your budget. Saferoad Insurance knows how car insurance works in California. With our expertise and standing partnerships with the best auto insurance providers in the area, we can match you with an effective and affordable policy. Visit us today, and learn how we can help you hit the road with confidence and peace of mind.