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Auto Insurance Information
Auto Insurance in Colusa and Yuba City, CA
California is America’s most-populous state, and as a result is home to the highest number of registered drivers in the country. The state’s infrastructure system is massive, particularly in urban areas, but regardless of where you live, you are going to face accident risks whenever you get behind the wheel. Only when you have quality auto insurance can you be confident that you will be protected in case of any problem that might arise.
At CCI Insurance Services, it’s our pleasure to help every California driver get the quality auto insurance benefits that are best for them. We’re committed to getting you the highest level of protection for your automobile so that you can hit the road with confidence.
Common Auto Insurance Questions
Car insurance equals financial security. It exists to protect drivers’ wallets if they face challenging costs arising from vehicle damage, accident lawsuits, injuries and other unexpected losses. Drivers need this coverage simply because no one can guarantee when an accident might occur. By being able to file a claim on your car insurance for help paying for your losses, you can save yourself a lot of financial strain in the end.
What Does Auto Insurance Cover?
Though all auto insurance policies differ, they still offer a core set of benefits to most policyholders. These include:
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, there are other, more specific policy endorsements that you can use to your advantage, like:
Rental car reimbursement
Custom parts coverage
How Much Auto Insurance do I Need?
California requires that all drivers carry proof of financial responsibility in their vehicles. Most choose to meet this requirement by purchasing auto insurance.
When you buy your auto policy in California, your plan must contain at least:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
$5,000 property damage liability coverage
Additionally, if you finance your vehicle when you buy it, then your lender might require you to buy collision, comprehensive and/or gap insurance coverage in addition to the mandatory liability coverage.
Of course, regardless of any coverage requirements, you should increase your benefits to levels that are appropriate for you. We’re committed to helping you find the best ways to do so.
How Many Auto Insurance Policies Can You Have?
Individual drivers and individual vehicles only qualify to be insured by a single auto insurance policy. If you have multiple vehicles in your household, you can insure them under a single, multi-vehicle policy. However, you cannot buy multiple policies and insure the same vehicle under each plan.
Do Auto Insurance Rates Change?
Your auto insurance rates will vary over time, and they might increase if you commit certain driving offenses, file a lot of claims or increase your coverage limits.
However, by working with your CCI agent to address your cost concerns, you can minimize the negative financial impact that additional cost risks might bring. We will help every customer maximize their cost savings no matter what their coverage needs. Just let us tap into our network of quality carriers, and we’ll help you pinpoint the one that offers you the best balance of both coverage and cost.