Auto insurance in California is required if you plan to buy and drive a new car. It provides financial protection for you and your passengers in the event of an accident. Since insurance rules vary by location, it’s important to understand California’s specific coverage requirements. Knowing what to look for helps you choose the best policy at the most affordable rate. At Number 1 Insurance, we help you find a policy tailored to your needs. We also offer Direct auto insurance options to make the process faster and more convenient.
The five most common types of auto insurance in California ares both mandatory and optional coverages, depending on the level of protection you want. Like every other state, some coverages are legally required, while others offer added security.
The five most common types of auto insurance are:
Liability Coverage – This is a mandatory coverage. You must carry at least the minimum required by California law. Liability insurance includes:
Property Damage – Covers damage you cause to another person’s property.
Bodily Injury – Pays for injuries you cause to others while driving.
Collision Coverage – Usually optional, this coverage helps pay for damage when your car hits another vehicle or object. Many Direct auto insurance plans in California include collision coverage for added convenience.
Comprehensive Coverage – Also optional, this protects your car against theft, vandalism, fire, hail, or other non-collision damage. It’s often included in full-coverage Direct auto insurance in California.
Medical Coverage – This optional coverage helps pay medical expenses for you and your passengers after an accident. While not required in California, it’s mandatory in some other states. It’s a smart choice for extra peace of mind.
Uninsured or Underinsured Motorist Coverage – Optional in California but required in other states. This coverage pays for your medical expenses if you’re hit by a driver who lacks proper insurance.
Auto insurance in California generally doesn’t cover the following situations:
Routine maintenance such as regular servicing, repairs, or general wear and tear.
Theft of personal belongings inside the car. While the insurance may cover damage to the vehicle during vandalism or pay for the car if stolen, it won’t cover stolen personal items.
Intentional damage caused by the driver or owner. For example, if you break a car window to retrieve keys locked inside, the damage won’t be covered.
Yes, auto insurance in California is notoriously expensive and the state is one of the costliest when it comes to car insurance premiums.
To understand your car insurance options in California, contact us at Number 1 Insurance. Our professional and licensed staff are experienced in all things related to insurance, and they can help you navigate the local insurance market to get the best deals on auto insurance in the state.
