San Diego Auto Insurance

If your car is damaged on the road or destroyed due to theft, weather, or another incident, the right auto insurance policy gets you driving again in no time at all. Additionally, auto insurance policies provide protection against legal and medical expenses that are incurred when your car is involved in an accident.

In California, if you operate a motor vehicle, you must have auto insurance. The premium you pay determines the coverage you get. Many people think they know everything there is to know about auto insurance, but there’s always more to learn. When your auto insurance policy is up for renewal, get in touch with California Brokerage Insurance Associates to find the best vehicle insurance for you.

Auto Insurance

We know that our customers always want the best auto insurance with the lowest rates. Working directly with local auto insurance brokers guarantees that you'll get cheap auto insurance that keeps you covered no matter the situation. As your neighborhood California auto broker, we do the legwork for you by always being on top of the best auto insurance quotes in California. We have the affordable auto insurance you need. Whether you're in the market for full coverage auto insurance, high-risk auto insurance coverage, or any other kind of coverage, count on our auto insurance rates to meet your budget. At California Brokerage Associates, we know you could take your business to any number of auto insurance brokerage companies, so why choose us? Only one brokerage in California is considered the best car insurance broker; why trust your auto insurance coverage needs to anyone other than California Brokerage Insurance Associates?

How Much Insurance Do I Need?

The amount of coverage each person needs for California car insurance varies based on certain variables. Auto insurance requirements vary by state, but in general, you must have liability insurance to pay for any damage you do to another car while driving. Additionally, drivers need no-fault coverage. Having liability and no-fault coverage is nonnegotiable.

While meeting the minimum coverage requirements keeps premiums low, we encourage drivers to consider adding additional coverage that protects assets and helps replace a vehicle should it become damaged during an accident. Full coverage insurance protection includes the following:

Collision Insurance: This coverage pays to repair your vehicle if it’s involved in an auto accident. With standard collision coverage, the insurance company pays for repairs that don’t exceed the fair market value of the car. When you have collision insurance, in the event of an accident, you have a deductible that you must pay before the insurance coverage kicks in. This is in addition to your yearly premium. The lower the deductible, the higher your collision coverage premiums cost.

Comprehensive Insurance (non-collision): When you have comprehensive coverage, you are protected from theft, vandalism, and acts of nature. Comprehensive car insurance isn’t required, but it does help you repair your vehicle; when accidents happen, the only out-of-pocket cost to you is your deductible. If you finance your vehicle, comprehensive insurance is usually required.

All drivers have unique insurance needs. For help to buy an insurance policy and find the best deals on San Diego car insurance, including personal and commercial auto insurance in California, get in touch with our insurance professionals today. Let our team go to work for you.