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Auto Insurance in California
Quality Auto Insurance for Southern California Drivers
Everyone deserves the benefit of a strong auto insurance policy, no matter where they go or what type of vehicle they own. Driving is dangerous, and nowhere is that more obvious than here in southern California. While driving in an area that is home to some of the most congested freeways in the nation, your auto insurance can provide you with critical protection in the face of numerous hazards.
For help designing a quality benefits package, just come to Direct 2 U Insurance. We offer personalized car insurance solutions for all drivers. You can rely on us to help you meet all your auto insurance obligations conveniently and affordably.
To get your plan today, just contact us:
- Call us at 800-373-0708
- Get an Auto Insurance Quote Online
Common Auto Insurance Questions
What does auto insurance cover?
All drivers are susceptible to the harmful and costly ramifications of wrecks, vehicle theft, fires, weather damage and countless other hazards. After a problem occurs, they might face repair costs, injury bills and even legal fees and settlements that arise from accident lawsuits. Car insurance is designed to step in under the circumstances. It will help you pay for the costs of unexpected, unavoidable accidents so that you don’t have to bear this cost burden all on your own.
How much auto insurance do I need?
Because you have unique objectives for your auto insurance, as well as your own cost concerns, you will need to pay close attention to the options offered by your chosen policy. Coverage you need includes:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other perks that you can use to your benefit are:
What auto insurance is required by law?
California requires all drivers to carry proof of financial responsibility. It ensures that drivers have the money available to pay for third-party losses when they are at fault for accidents.
Qualifying drivers may self-insure, but all others must carry auto liability insurance containing at least:
$30,000 bodily injury liability insurance per accident
$5,000 property damage liability insurance
If you do not carry these limits, then you could face fines, termination of your driving privileges and other penalties.
How much does auto insurance cost?
Various factors such as the value of your car, your chosen policy limits and deductibles, your history of accidents and other demographic information can influence your auto insurance premium. Our agents are committed to working with you to determine which policy within our network of trusted carriers offer you the best value for the coverage of your choice.