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Auto Insurance

Auto Insurance is a very simple thing that causes a lot of grief and confusion for many people. The lack of knowledge when shopping for a general auto insurance policy, along with the lack of knowledge from an inexperienced selling agent, is the problem that most people are confronted with. We understand how confusing it can be to shop around for auto insurance, but if you take a little time to inform yourself and truly assess what your needs and wants are out of your coverage, you can save a lot of stress and potential financial complications when the unexpected occurs.

California Auto Insurance Laws

To begin, it's important that each driver know the requirements for auto insurance in their particular state. If you are a driver in California, there are certain laws that affect you.

Under the state's insurance laws, you are financially responsible for your actions. You must show your ability to pay for damages or injury to others resulting from the ownership or operation of a car in the state. Every driver and owner of a car is financially responsible for their actions. The statutory liability insurance in California is subject to the following limits:

Bodily Injury
$15,000 for death or inj.ury of any one person, any one accident.
$30,000 for all persons in any one accident.

Property Damage
$5,000 for any one accident

Financial responsibility can be achieved in four ways:

  • Coverage by a motor vehicle or automobile liability insurance policy.
  • Depositing $35,000 with the Department of Motor Vehicles.
  • If you own a fleet of more than 25 vehicles, the Department of Motor Vehicles will issue you a certificate of self insurance.
  • A California licensed insurance company can provide you with a surety bond for $35,000.

Under California law, you must have at least the statutory limits of minimum liability insurance or an approved substitute to compensate for injury or property damage you may cause. Nonconformity with the law will subject you to extremely harsh penalties. Your license may be suspended, for example.

You can easily comply with California Car Insurance Laws by buying an auto insurance policy. It is your responsibility to provide liability insurance for any car you own regardless of who is operating the vehicle. It is illegal for cars to be operated without meeting this law.

And, with Insurance by Allied Brokers, you really do NOT have to waste time shopping each and every insurance company for the best policy for you. All you have to do is get a quote from us, and we'll provide you with numerous rates from over ten different reputable insurers. It has never been this easy to get the policy you need.

Understanding Coverage

While shopping for auto insurance, you shouldn't limit yourself to only purchasing the amount of auto insurance coverage that you need. Instead, you should purchase enough coverage so that you are financially secure. That is, after all, what auto insurance is designed for.

Drivers need to understand the different types of general auto insurance coverages available in the insurance industry. The differences between liability coverage, comprehensive coverage, and personal injury protection are simple to understand, and informing yourself will help you to better understand what you're paying for. For example, bodily injury liability coverage pays for injuries for yourself and others on a per person or per accident basis.

Comprehensive auto insurance coverage pays for all non-accident related expenses, such as theft, natural disaster, or fire and water damage. If you spend ten minutes to know these terms, you'll be a more effective auto insurance shopper, and should be able to find cheaper rates.

If you'd like to learn more terms regarding auto insurance types of coverage, click here.

The Companies We Represent

Insurance by Allied Brokers offers automobile insurance policies from the following:

  • Allied Insurance Company
  • American Collectors
  • Arrowhead Clarendon
  • California Insurance Group (CIG)
  • Foremost
  • Fireman's Fund
  • Great American
  • Hartford
  • Mercury
  • Nationwide
  • Progressive West
  • Travelers

Truth is, there is no "best" insurance company out there. When it comes to safeguarding yourself, your family, and your assets, it takes experience to seek out the best insurance policy offering everything you need, at the best price on the market. Let Insurance by Allied Brokers do the searching for you, give us a call today at 650) 328-1000 to speak to a live agent. We're here to help you.

Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara

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