Car Insurance for California Drivers
Going anywhere without a car is difficult these days. Although there are plenty of rideshare apps, they can get expensive and only go so far. Public transportation isn’t always an option, so many people buy personal vehicles to have the freedom of going wherever (whenever) they want. Drivers in California are no different. There are around 36,400,000 registered vehicles in the state of California alone. With such a large population and number of drivers on the road, accidents are unfortunately common.
Car Insurance Quote
Charpentier Insurance Services, Inc. works with California drivers to find comprehensive policies with great coverage at a fantastic price. We understand that protecting yourself and your family is the most important thing, which is why we work hard to provide coverage that will let you rest easy knowing you’re covered.
We offer a range of coverages for drivers throughout California, including:
Comprehensive Coverage: Comprehensive coverage covers incidents such as fire, wind, theft, vandalism, hail and more. This coverage does not include collision damage.
Collision Coverage: Collision coverage covers incidents involving a collision with another vehicle or object.
Liability Coverage: Liability coverage covers bodily injury and property damage you may cause to someone else while operating the insured vehicle.
Uninsured/Underinsured Motorist: This coverage steps in if you have an accident involving a driver not carrying insurance.
Personal Injury Protection: Personal injury protection (PIP) covers medical expenses for you and your passengers after an accident, no matter who is declared at-fault for the accident.
In California, you must carry a certain amount of liability insurance in order to drive legally. The coverage requirement amount is:
$15,000 in bodily injury liability per person/$30,000 per accident
$5,000 in property damage liability
$15,000 in uninsured motorist bodily injury per person/$30,000 per accident
Coverages vary depending on what you need. While everyone needs liability insurance, there is some coverage that you may want to add or subtract depending on your vehicle and your wallet. We can help you discover what coverage your vehicle really needs and tailor a policy for it.
How Much is Car Insurance in California?
The price of auto insurance depends on a variety of factors. This includes the driver’s age, gender, credit score, zip code and driving record. The average cost of auto insurance in California is about $1,868 a year (around $155.66 a month). This is higher than the national average by around 20%. There are ways to save money on auto insurance in California, however, such as raising your credit score, driving defensively, and asking a Charpentier Insurance Services, Inc. agent about discounts.
Insuring Your Vehicle in California
As an independent agency, Charpentier Insurance Services, Inc. is able to analyze your needs compared with policies from multiple insurers to find you the perfect price for the right coverage. Contact us now at 661 322-1888 or fill out a form for a fast and free car insurance quote.
Frequently Asked Questions
What is the Cheapest Car to Insure in California?
The cheapest car to currently insure is a Honda CR-V.
How Far in Advance Should I Buy Car Insurance?
You should purchase car insurance as early as possible. As soon as you finalize the paperwork, you should already have car insurance.
Gap insurance supplements the difference between your actual cash value compensation and however much you owe a lender or leasing company after an accident.
When Do Car Insurance Providers Deny a Claim?
Car insurance agencies may deny a claim if the incident is not covered under the policy, the claim is fraudulent, or the policy has already been cancelled. Accidents of the driver committing criminal acts or driving under the influence of drugs or alcohol will be denied.
What Does Comprehensive Car Insurance Cover?
Comprehensive car insurance covers damage due to fire, theft, vandalism, hail, wind, explosions, lightning and smoke.
Car Insurance Quote