Auto Insurance That Actually Makes Sense
No confusing jargon. No fine print surprises. We explain exactly what you're getting — and we work with all driving records.
What Does Auto Insurance Actually Cover?
Let's break it down in plain English — no insurance degree required.
Liability Only
The minimum required by California law. Covers damage you cause to other people and their property — not your own vehicle.
Full Coverage
Despite the name, 'full coverage' isn't one product — it's a combination of coverages that protect both you and your car.
Uninsured Motorist
Protects you when the other driver has no insurance — or not enough. California has one of the highest rates of uninsured drivers in the country.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident — regardless of who was at fault.
Rental Reimbursement
If your car is in the shop after a covered accident, this pays for a rental car so you're not stranded.
"Full Coverage" Is Not One Thing
When people say "full coverage," they usually mean a combination of liability + collision + comprehensive. But what's actually in your policy depends on what you choose. Here's what each piece covers:
Liability
Covers damage you cause to others. Required by law in California.
Collision
Covers your car when you're in an accident — regardless of fault.
Comprehensive
Covers theft, weather damage, fire, and other non-collision events.
Pro tip: If your car is financed or leased, your lender almost certainly requires both collision and comprehensive. Ask us — we'll make sure you have exactly what you need.
What Does 30/60/15 Mean?
California's minimum liability limits are written as 30/60/15. Here's exactly what those numbers mean for you:
Maximum your insurance pays for one injured person in an accident you caused.
Maximum your insurance pays for all injuries in a single accident you caused.
Maximum your insurance pays for damage to other people's property (cars, fences, etc.).
Important: These are California's minimum limits. In a serious accident, these amounts can be exceeded quickly. We can help you choose limits that actually protect you. Rates vary based on your driving record and vehicle.
We Work With All Driving Records
Accidents happen. Life happens. Whether you have tickets, a lapse in coverage, or a complex history — we've helped people in every situation get covered.