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What is the Right Car Insurance Plan for Me?

best auto insurance plan for me

People often ask themselves, what is the right car insurance plan for me? When shopping for auto insurance in Long Beach and other areas of California, there are a lot of questions that can come up. Like how much auto insurance coverage do I need? This all depends on your situation and your budget. There are state minimums required law, but there are also other great options to add-on to get much better coverage should you have a car accident or run into other issues.

Top Auto Insurance Coverage Options:

Legal Auto Insurance Requirement Minimum:
Liability Insurance Minimums in California
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.


All Coverage Options

Collision – This can cover damages to your car from the results of a collision – such as a car accident with another car.

Comprehensive – This can cover damages to your car that can occur without a car accident, such as theft.

Personal Injury Protection or Medical Payments – Can cover treating injuries to the driver and their passengers of the insurance holder’s car because of an accident. Can cover medical payments, lost wages, or cost of replacing normal services performed.

Property Damage Liability – Can cover damage you may cause to someone else’s property because of a car accident.

Uninsured Motorist Coverage – Can cover damages caused by a car accident from an uninsured or even underinsured motorist. This coverage can vary depending on your insurance provider.

Bodily Injury Liability – This coverage can help with medical expenses of the people involved in a car accident that was your fault.

Road Side Assistance – This coverage can help with 24/7 roadside assistance if your car breaks down, you run out of gas, have a flat tire, and other issues with your car.

Rental Reimbursement – Some insurance plans can cover the cost of getting a rental car while your car is in the shop getting repairs, due to an accident.

There are a lot of great options for auto insurance, but it can be complicated to find the right plan. To discuss your options and pricing in more detail, call our auto insurance experts at 877-945-7233