Drive Confidently, Drive Protected

Auto insurance keeps you, your passengers, and your vehicle safe on the road.

Why Auto Insurance Matters

• Required by law in most states.

• Covers damages from accidents, theft, and natural disasters.

• Protects against liability claims.

• Peace of mind every time you drive.

What’s Covered

• Liability coverage: Bodily injury and property damage to others.

• Collision coverage: Repairs to your vehicle after an accident.

• Comprehensive coverage: Theft, fire, vandalism, weather damage.

• Medical payments: Medical expenses for you and passengers.

• Uninsured/underinsured motorist: Protection if the other driver lacks coverage.

How Much Coverage Do I need?

Most drivers should carry at least $100,000 per person / $300,000 per accident for bodily injury liability and $100,000 for property damage liability. If you have significant assets, you may want higher limits or an umbrella policy.

How to Decide Your Coverage Amount

1. Check State Minimums

   • California, for example, requires only $15K/$30K/$5K, which is far too low for real-world accidents.

2. Assess Your Assets

   • If you own a home, have savings, or high income, choose higher liability limits to protect against lawsuits.

3. Consider Vehicle Value

   • New or financed cars → collision & comprehensive coverage.

   • Older cars → liability-only may suffice if repair costs exceed car value.

4. Factor in Risk Exposure

   • Long commutes, teen drivers, or high-traffic areas increase the need for stronger coverage.