Liability to others
Injuries and damage you cause, with limits sized to what you actually have to lose.
Auto Insurance
Liability that actually protects what you have, and coverage for the car that matches what it is worth. We compare carriers and re-shop for you when your situation changes.
Protection for the drive and for everything you own
The liability half protects your savings after an at-fault accident. The vehicle half fixes or replaces the car. Getting the balance right is the whole game.
Your car
Collision and comprehensive for crashes, theft, glass, fire, and weather.
Uninsured drivers
Your injuries when the other driver carries too little insurance, which in California is common.
For every kind of California driver
- Commuters who want limits that match their assets
- Households adding a teenage driver
- Owners of older cars doing the coverage math
- Anyone whose rate crept up year over year
What this covers, and what it does not
Typically covered
- Liability to othersInjuries and property damage you cause driving, the part California law requires.
- Your carCollision covers crash damage. Comprehensive covers theft, glass, fire, and hitting an animal.
- Uninsured motoristsYour injuries when the at-fault driver has no insurance or not enough.
- Medical paymentsSmaller medical bills for you and your passengers regardless of fault.
Not covered here
- Rideshare and delivery gapsPersonal policies generally exclude driving for an app. That window needs rideshare coverage.
- Business use of the vehicleA car used mainly for work may belong on a commercial auto policy.
- Wear and mechanical breakdownBrakes, transmissions, and maintenance are not insurance losses.
- Intentional damageDamage you cause on purpose is never covered.
Frequently asked questions
How much liability coverage should I carry?
California's legal minimums are low compared to what a serious accident actually costs. If you own a home or have savings to protect, higher limits usually cost less than people expect, and they are what stands between a bad accident and your assets. We quote a few limit levels so you can see the difference.
What deductible should I pick?
The deductible is the part of a claim you pay yourself. A higher one lowers your premium but means more out of pocket after a loss. The honest test is what you could comfortably pay tomorrow. We will show the premium at more than one deductible.
Do I need comprehensive and collision on an older car?
It depends on the car's value against the premium plus deductible. At some point the math stops working, and liability-only becomes reasonable. We will run that math with you rather than sell coverage you do not need.
Does my policy cover rental cars?
Your liability and, if you carry them, collision and comprehensive usually extend to a rental in the US. Gaps like loss-of-use charges exist, which is why the counter offers a damage waiver. We will explain what your specific policy does before you decline it.
Will a ticket or accident raise my price?
Usually yes, for a few years. Different carriers weigh driving history differently though, which is exactly where a broker helps: when your record changes, we re-shop the market for you.
Coverages that pair with this
Get an auto quote with limits that fit
A few details about drivers and vehicles is all it takes. We do the comparison shopping for you.