Full coverage in California costs about $1,700 per year. Rates vary based on age, driving history, credit score, and location. Policies typically last 6 to 12 months.
Drivers must carry 15/30/5 liability coverage: $15,000 for injury to one person, $30,000 per accident, and $5,000 for property damage. Driving without insurance is illegal and can result in fines, suspension, or impoundment.
Basic policies may include collision (accident damage) and comprehensive (theft or natural disasters). Medical payments cover injuries, and uninsured motorist coverage protects if the other driver lacks insurance.
Even if you're partially at fault in an accident, you can still get compensation. Your payout is reduced based on your share of the blame, but insurers can argue to lower your fault percentage.
You can add umbrella insurance for extra liability protection, roadside assistance for breakdowns, rental reimbursement for alternate transportation, and custom equipment coverage for expensive accessories.
Looking for better protection or a lower premium? Explore flexible auto insurance solutions that fit your California lifestyle and budget. Contact Jack Stone Insurance at (925) 392-8365 today for your insurance needs.