Structure liability limits, deductibles, and add-ons to protect assets and cash flow. Build a policy that meets California requirements while prioritizing the financial outcomes that matter.
Design a policy that protects liability risk, vehicle value, and monthly cash flow
Your primary asset-protection layer. Covers injuries and property damage you cause, subject to policy limits and exclusions.
Protects your vehicle’s repair or replacement value after an at-fault collision, with a deductible that you select.
Covers non-collision losses such as theft, vandalism, fire, hail, or falling objects, typically with its own deductible.
Auto insurance is both liability planning and vehicle-value protection
Liability limits defend your net worth against lawsuits and settlement costs. Higher limits can be a cost-effective hedge when you have meaningful assets or income to protect.
Collision and comprehensive protect the vehicle’s economic value, while deductibles help control premiums. The right structure balances repair risk with emergency-fund capacity.
Select limits and options that align with both legal requirements and financial risk tolerance
Premiums are priced around expected loss costs, repair inflation, and individual risk characteristics
Illustrative relative influence. Actual weighting varies by insurer, state rules, and underwriting model.
Use deductibles to manage premiums, and use limits to manage catastrophic liability
Higher deductibles often reduce premium, but increase out-of-pocket risk at claim time. An emergency fund sized for the deductible helps keep the plan financially stable.
Liability limits should reflect your asset base and income risk. Consider umbrella insurance for an additional layer of protection when exposure is higher.
Minimum liability limits exist, but minimums may not be enough for meaningful financial protection
As of 2025, California’s minimum liability limits are commonly referenced as \(30/60/15\): $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage per accident. Insurers and policy forms can differ, and minimums do not account for litigation costs or higher medical and repair inflation.
A policy review should consider vehicle value, commute exposure, household drivers, and the assets you want to protect.
A clean process reduces settlement delays and protects your financial outcome
Prioritize safety, contact emergency services when needed, and exchange information calmly.
Capture photos, witness details, police report information, and repair estimates when applicable.
Report promptly, track claim communications, and keep receipts for rental and towing if covered.
Auto insurance is essential for all drivers
First-time car owners and young drivers starting their journey
Multi-vehicle households looking for comprehensive coverage
Daily drivers who need reliable protection for work travel
Business owners using vehicles for commercial purposes
Get answers to common auto insurance questions
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