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.
First West is there for all your motor vehicle needs: cars, vans, trucks, motorhomes, motorcycles, classic cars and ATV’s.
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 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 coverage is very similar to collision coverage - the main difference is that comprehensive covers damage 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). This coverage is not legally required by the state but it will be required if your car is financed.
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.
Rental Car (Loss of Use) Coverage
Rental Car coverage can provide $30, $40 or $50 per day to help pay for the cost of a rental car when your car is being repaired after a collision or other covered loss in your policy such as theft or fire damage. This coverage can be beneficial if you do not have access to a secondary vehicle and you need your car to get to work or school.
Roadside Assistance Coverage
Roadside Assistance coverage can help you get back up and running if your car breaks down while you are on the road. The coverage can provide Towing (up to the limit specified in your policy), Tire changes, Battery service (jump starting a dead battery), Gas, water or oil delivery, or Lockout service when you have lost your keys or locked them inside the car. Your insurance company will have a toll free phone number to call 24/7 to access this service.
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.