California Auto Insurance: Insurance for all Golden State Drivers
California is a beautiful state with sandy beaches, wine and plenty of tourist attractions. Despite its beauty, California also presents a lot of danger for drivers. With a population of over 39 million people, wrecks are not only possible, but likely. Having insurance can be the difference between being calm and collected after a wreck to scrambling through your savings to pay for the damages. O'Neal & Associates Insurance finds the cheapest car insurance for each client’s budget. We have served California drivers for over 25 years with dedicated service and great coverage.
Is California Auto Insurance No Fault?
California is an at fault state. This means the person who’s declared at-fault for an accident is responsible for paying the damages. If you have car insurance, this means that your insurance agency will have to provide compensation for the wreck. Even if your insurance pays for the damages, however, California still allows victims to sue for damages or injury if they feel that they have not been properly compensated.
What are California’s Auto Insurance Requirements?
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability
Car Insurance for New Drivers
If you’re a new driver, you may be wondering what type of insurance you should have on your car. Having the minimum liability requirements is a start, but those coverages only protect other people after an accident. There are other coverages that provide compensation for you, your passengers and your vehicle.
- Comprehensive: Comprehensive coverage provides compensation for damages due to incidents that don’t involve collision, such as fire, wind, hail, falling rocks or trees, theft and vandalism.
- Collision: Collision coverage provides compensation after a collision with another vehicle or object.
- Uninsured/Underinsured Motorist: If you crash with a driver who doesn’t carry enough insurance to cover the damages, uninsured and underinsured motorist coverage provides compensation for the damages instead.
- Glass Coverage: Glass coverage provides compensation for damages done to your windshield or vehicle windows.
New drivers may pay more for car insurance due to age and lack of driving experience, so be sure to speak with an agent at O'Neal & Associates Insurance about lower rates.
Depending on certain factors, the cost of your auto insurance policy may be lower or higher than the national average. Factors that affect your premium rates include your age, gender, driving experience, driving record, credit and claims history, location and marital status.
Can I Get Auto Insurance with a DUI in the Golden State?
You can still find auto insurance after receiving a DUI, but you will pay much more than before. On average, California drivers pay $3,154 more a year than what they were previously paying. Luckily, there are insurance agencies that specialize in high-risk and nonstandard drivers that offer cheaper rates to drivers with a DUI.
O'Neal & Associates Insurancy can also find clients non-owner car insurance for drivers without a car of their own. Whether you’re borrowing or renting a vehicle, non-owner car insurance will cover you while driving someone else’s vehicle.
Here When You Need Us
Many drivers struggle with finding the right insurance agency, and several end up settling with a policy that’s too expensive and doesn’t fit with their needs. O'Neal & Associates Insurance takes the hassle from your shoulders by comparing premium prices among several top insurance agencies to find you the cheapest car insurance available for your wallet. Give us a call at 855-218-6308 or fill out an online quote form now!