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Auto Insurance Information
Ventura Beach & Southern California Car Insurance
Cars are expensive, and driving on any California highway can prove hazardous even in the best conditions. The safest driver is the one who carries broad car insurance coverage that is tailored in their best interest.
You might not automatically know what the right benefits are when you start your search for coverage. However, you aren’t alone, and when you come to Deyette Mccloskey & Associates for your auto insurance needs, you’ll work one-on-one with a committed team of agents who will keep your best interests at heart when helping you put together a policy solution.
We’re here to make your car insurance search simple and efficient. Give us a call now at (866) 444-9889 or simply click the link to request a free, no-obligation auto insurance quote.
Common Auto Insurance Questions
When you buy car insurance, you gain substantial financial protection from the losses that might arise from car wrecks or other vehicle hazards.
Given that any substantial driving hazard or mishap might result in costly losses, car insurance agrees to pay many of these terms on your behalf. Therefore, you won’t experience financial trouble as you pay for your recovery costs. Usually, it is much simpler to pay for an auto policy that to pay unexpected accident costs.
Is auto insurance mandatory in California?
By having car insurance, drivers protect not only themselves, but other drivers they might encounter on the road. Coverage is such an important piece of protection that most states require it. California is one of the states that require you to have proof of financial responsibility when driving, and your easiest way to obtain that proof is by buying car insurance.
As an independent insurance agency, Deyette Mccloskey & Associates won’t pigeonhole you into buying a policy that is not in your best interests. In your policy search, we will compare the coverage options of multiple insurers to determine the one that is in your best interest for its cost and benefits.
What is the minimum auto insurance in California?
When you buy an auto insurance policy in California, you must carry at least the following coverage:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
$5,000 property damage liability coverage
Liability insurance pays if an accident is your fault and you have an obligation to repay third parties who were not riding in the car with you. This is the coverage that might help you pay for another driver’s losses that are your responsibility. You should consider increasing your liability coverage limits to provide you with furtherbenefits.
How much auto insurance do I need in California?
Having the minimum liability insurance is enough to allow you to drive legally. However, it will pay nothing for your own losses. Therefore, to get full coverage, it is essential that you work with your agent to add other benefits into your auto policy. Some of these include:
Collision Insurance: If you hit another vehicle or stationary object, this coverage can pay for your car’s repairs.
Comprehensive Damage Insurance:Damage to your vehicle might arise from a non-accident hazard, such as a fire, theft, vandalism, severe weather and more. This coverage pays for your vehicle repairs in these cases.
Uninsured Motorist Coverage:If another at-fault driver does not have liability insurance, or if you become the victim of a hit-and-run, then this coverage can pay for your losses instead.
Medical Payments Coverage: This coverage can pay for the medical bills of the insured driver and their passengers following a wreck.
There are other policy benefits, such as rental car reimbursement, roadside assistance, under insured motorist and custom accessories coverage that you might need to add to your auto insurance.
Keep in mind that every policy will include deductibles, limits and other terms that govern what they will pay you for a claim. However, your agent is happy to help you sort through these many terms and conditions to assemble a puzzle of coverage that will offer you expansive protection.