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Auto Insurance Information
Auto Insurance Solutions for Susanville, CA
California has the largest population and the highest number of registered drivers of all 50 states. It also has one of the largest state infrastructure systems in the nation, and certain communities are known for their high traffic risks. Whether driving in a small town or large city, you need to have the protection offered by customized auto insurance.
Getting the right car insurance requires researching a lot of policy options, and sometimes you might not automatically know the coverage that is best for you. However, by working with the expert team at Pregill Insurance, you will have help from insurance professionals who know all the ins and outs of the car insurance marketplace. Our pledge is to help every client feel secure behind the wheel.
The Benefit of Auto Insurance
There is a safety risk in every vehicle and on every stretch of roadway. You never know when a wreck, vehicle theft, accident injuries or other hazards might occur, nor can you guarantee what they will cost. So, should an accident ever occur, the results could be devastating. Car insurance exists to help the insured driver control and minimize the ramifications of these hazards.
Keep reading to learn more about how a customized policy can be of service to you and your family.
Common Auto Insurance Questions
What auto insurance do I need in California?
Auto insurance policies offer multiple benefits depending on the policy you choose. Consider adding the following coverage into your policy:
Liability coverage pays for damage done to other drivers, their passengers, pedestrians or property owners when you are at fault for a wreck.
Collision insurance covers damage to your vehicle when you have a wreck.
Comprehensive insurance pays for your vehicle damage when an accident occurs that is not related to a car wreck, like fire, theft or weather damage.
Uninsured motorist coverage pays when another driver is at fault for a wreck but lacks liability coverage to pay you for your property damage or injuries.
Medical payments coverage pays your medical bills if you get hurt in a wreck.
Your chosen insurer might also offer expanded benefits such as accessories & unique features coverage, gap insurance, underinsured motorist coverage, accident forgiveness & vanishing deductibles.
Please note, you will have to insure RVs, motorcycles, commercial vehicles and other specialty vehicles separate from the standard car or truck.
Is auto insurance mandatory in California?
By law, all California drivers must have proof of financial responsibility on file with the state DMV. While some people choose to self-insure, most get their proof of responsibility by buying insurance.
When you buy a California auto policy, you must buy 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
As an at-fault insurance state, California requires drivers who cause accidents to pay for the damage or injuries of others. By carrying the minimum liability insurance requirements, you acknowledge that you can pay in these situations.
Though not require by law, collision & comprehensive insurance are requirements set by many banks or car dealerships when you finance or lease a vehicle. Check with the right party to find out if you need this coverage.
What is full-coverage auto insurance?
To achieve the most comprehensive coverage for your vehicle (i.e. full coverage), you will want to buy more than just the minimum liability coverage. This might mean adding adequate physical damage coverage, uninsured motorist protection and other benefits to your policy to your satisfaction. It will also mean tailoring your deductibles and other coverage limits to make your financial burden manageable following accidents.
Our agents are happy to help you in this endeavor, and we are glad to figure out which policy from our many insurance providers offers you the best affordability for more expansive coverage.