Auto Insurance
California Insurance Specialists provides competitive insurance for your valued assets by representing many top-ranked National and Regional insurance companies, which allows us to offer the best price and policy to meet your individual needs. Just take a moment to complete the "AUTO QUOTE REQUEST" request form. We will email and mail you a quotation within 2 business days.
Auto Quote Request
If you own or lease a car, Auto Insurance is a must! It covers injuries to you, and other people, and damages to your car. The auto policy consists of four basic types of protection: Auto Liability Coverage; Medical Benefits Coverage; Collision/Comprehensive Coverage; and Uninsured/Underinsured Motorist Coverage.
- Auto Liability Coverage: Provides coverage for bodily injury or property damage
which you are legally responsible as a result of an accident. Liability coverage can make up more
than half your auto premium.
- Medical Payments Coverage: Covers your medical and hospital bills (within policy limits)
if you are injured in a car accident. It will also cover medical bills (within limits) of any passenger in
your car.
- Collision and Comprehensive Coverage: Collision insurance pays for damage to your
car caused in a traffic accident. Comprehensive insurance covers damage caused by fire, flood, theft,
tornado, and just about any other physical damage that is not covered by collision.
- Uninsured/Underinsured Motorist Coverage: Protects you, your family members and
passengers against injuries caused by a hit and run driver or someone who has no (or not enough)
liability insurance.
WHAT COVERAGE AMOUNTS DO I NEED!
Amounts of insurance protection always depends upon the specific needs of each individual, but you
might consider these guidelines: If you own a home and have accumulated some assets, a minimum
liability coverage of $100,000 per person, $300,000 per accident
and $100,000 for property damage is recommended. Then purchase an
umbrella policy which provides
coverage above the underlying liability coverage on your auto and homeowners policy.
Medical Payments should always be purchased even if you have good
health insurance because this coverage also protects passengers in your car who may not have
health insurance coverage. Comprehensive and Collision insurance
is required to protect the lenders interest in your car when you have a loan or lease on the car.
Remember the higher the deductible, the lower the cost. After your loan is paid off, consider the value
of the car minus the deductible and compare it to the annual premium cost of the coverage.
Now, let us do the "shopping" for you and see if we can save you some money!!!!
