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 always be covered no matter the situation. As your neighborhood California auto broker, we do the leg work for you by always being on top of the best auto insurance quotes in California. From full coverage auto insurance to high risk auto insurance, count on our auto insurance rates to meet your budget without sacrificing valuable coverage. At California Brokerage Associates, we know you could take your business to any number of auto insurance brokerage companies. So why choose us? When it comes to auto insurance companies in California, only one is considered the best car insurance broker. Why trust your auto insurance coverage needs to any company less than the best?

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 non-negotiable.

While the minimum coverage keeps premiums low, we encourage drivers to consider adding 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, 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 more collision coverage costs.

Comprehensive Insurance (non-collision):

When you have comprehensive coverage, you are protected from theft, vandalism, and acts of nature. Comprehensive car insurance is not required, but it does help you repair your vehicle with the only out-of-pocket cost to you being the deductible. If you finance your vehicle, comprehensive insurance is usually required.

All drivers have unique insurance needs. To find the best deals on San Diego car insurance, get in touch with our insurance professionals today. Let our team go to work for you.

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