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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy also provides protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best car insurance coverage option for you.

Insurance for all kinds of vehicles

First West Insurance is there for all your needs: motorcycle insurance, classic car insurance, motor home and RV insurance, boat and jet ski insurance, and ATV insurance.

What kind of insurance do I need?

Auto Liability Insurance

The law in California requires you carry Auto Liability insurance when driving a car. Auto Liability insurance covers the bodily injury and property damage you cause to others up to the limits shown on your policy.

Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maximum that would be paid out for bodily injury per claim and the third number represents the maximum amount your insurance company is obligated to pay for property damage you cause.

To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision) Insurance

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

Uninsured Motorists Bodily Injury Coverage

Uninsured Motorists Bodily Injury coverage provides bodily injury and loss of wages coverage, subject to policy limits, for the driver and passengers of your car if they are injured in an accident where the other driver is at fault and does not carry auto insurance. Unfortunately there are still plenty of drivers on the road today who drive without any auto insurance coverage.

Every person is unique. Talk to us today to find out how to get the best price and value on California auto insurance for you.