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California Auto Insurance

Drive in Peace With an Auto Policy That Fits Your Lifestyle

Driving on the roads these days can be hectic. Whether you live in the city or in a rural area, the traffic and roads are often challenging. Peninsula General, a California Insurance Agency, located in Torrance understands the need for motorists to have the right policy. Our professional insurance specialists work with you to make sure you are covered. We have been servicing customers in Los Angles and all of California since 1986. To speak with an agent, please call (877) 539-2533.

What factors influence the cost of auto insurance?

The price you pay for auto insurance depends on several things such as:

  • Your age
  • Where you live
  • How many miles you drive on average a year
  • What kind of vehicle you are getting insured
  • What type of driving record you have
  • If you’ve ever had an accident

There is also a discount for safe driving practices such as using a seatbelt and often there is a discount if you bundle your policy with homeowners or renters insurance.

Who is the insured party in an accident?

The insured person includes not only the owner of the vehicle but also family members that reside with the owner as well as those who have permission to drive the vehicle.

Three ways to prove financial responsibility for auto damages

The state of California allows motorists to fulfill the financial obligation in the event of an accident in one of three ways:

  • Self-insurance — This method involves paying a thirty-five thousand dollar deposit for each vehicle in order to be self-insured.
  • Bond insurance — This particular method is similar to self-insurance except you purchase a thirty-five thousand dollar bond.
  • Insurance — This is the route most motorists take. You pay a monthly premium for a particular amount of coverage.

What are the different parts of auto insurance?

Auto insurance can include coverage for up to six things. Talk to your insurance specialist for the exact coverage amount and specifications:

  • Comprehensive coverage — This includes damage from something other than a collision. Usually, this is damage to the windshield from a rock or damage from hitting a deer.
  • Collision coverage
  • Medical payments for personal injuries
  • Property damage
  • Under-insured or uninsured coverage
  • Liability for bodily injury to someone else

Driving safely can help keep your rates down. It’s always best to get a few quotes before making your decision. Make sure the quotes are for the exact same coverage. Are you ready to speak with a Peninsula General Insurance specialist about a quote?  Please call (877) 539-2533.