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Auto Insurance Information
Car Insurance in California
Protect Your Family and Your Security with Quality Coverage
Driving can be a dangerous business, and nowhere is that more obvious than here in southern California. Greater Los Angeles is home to some of the most congested roadways in the nation, and accident risks are high no matter how safely you try to drive. You need to always wear a seatbelt, follow the rules of the road and, most importantly, have car insurance there to help if something ever goes wrong.
Car insurance is an investment that no driver should go without. It’s so important, in fact, that California law requires most drivers to buy coverage. Still, don’t look at it as a burden. Your investment in a quality policy will represent so much more financial stability than any risk of driving uninsured.
At ANA Insurance Brokerage, Inc., we drive the same roads that you do every day. That’s why we’ll help you choose the best auto policy for you from among our numerous carrier partner offerings. We will help you maximize policy savings, optimize your coverage and eliminate the hassles often caused by dealing with impersonal, one-size-fits-all insurers.
We provide drivers near South Gate, Bellflower, Santa Ana, Downey, Long Beach and Los Angeles with quality insurance solutions. Let us be your partner, too.
More About Car Insurance
What does car insurance cover?
Cars and drivers might experience wrecks, damage from hazardous events like weather, theft or vandalism at any time. These hazards could not only harm the driver, but also other people. The costs of picking up the pieces, making repairs or settling lawsuits often rise quickly.
That’s why the responsible driver should have car insurance to protect them from any eventuality. With coverage in place, you won’t have to worry so much about how you will pay for vehicle repairs, legal settlements or medical bills after a wreck. Instead, you can rest assured knowing that your policy will make these costs more affordable.
Why do I need auto insurance?
Even if you know that you are a safe driver, you still are not the only driver on the road. The environment and roadways around us are dotted with safety risks, and it only takes one accident to cause a huge repair bill that you will have to pay. Car insurance makes sure that you have the financial resources available to do that.
When do I need car insurance?
As an at-fault accident state, California requires all drivers to carry proof of financial responsibility. This will guarantee that they can pay not only for their own losses, but also the injuries or property damage they cause to others if they are at fault for a wreck. Most people get their proof of financial responsibility through auto liability insurance.
If you choose this route, then your policy must contain at least the following coverage:
Still, car insurance policies can offer a wealth of benefits beyond the required limits. We encourage all policyholders to both increase their liability coverage limits and purchase additional coverage such as:
$15,000 bodily injury/death liability coverage for one person injured
$30,000 bodily injury/death liability coverage for two or more people injured
$5,000 property damage liability coverage
Collision Insurance: Pays for your own vehicle damage following a wreck.
Comprehensive Insurance: Covers vehicle damage that is not related to a wreck (I.e. damage from fires, theft, vandalism, severe weather).
Uninsured Motorist Coverage: Insures you in case a wreck is another driver’s fault, but they do not have liability insurance to compensate you for your losses.
Roadside Assistance: If you have a problem like a flat tire, empty gas tank or dead battery, then you can call your insurer to have help sent to you.
Rental Car Reimbursement: Following an accident, you can use this coverage to pay for a rental car while your normal car is in the shop for repairs.
Often, you must buy collision and comprehensive damage insurance if you finance your car through a lender. Others might require you to buy gap insurance, which is designed to pay off the value of your vehicle loan if you total your car in a wreck.
Don’t forget that all cars are unique, which is why you will have to customize your plan to your advantage. Our agents are happy to help you design your plan to cover standard, classic or high-value automobiles. Plus, we can ensure that any plan incorporates additional perks like vanishing deductibles, accident forgiveness, replacement value physical damage insurance and more.
How are car insurance costs calculated?
Various factors can influence your policy cost, such as:
The value of your car
Your chosen coverage limits and deductibles
Your history of insurance claims on previous policies
Infractions on your driving record
Where you live
If you have a higher risk of filing an expensive claim on your policy, then you are likely to pay more for your policy. However, our agents are committed to helping you maximize your ability to save on your rates by seeing which of our carrier partners offer you the best discounts and savings opportunities.
Other insurance products we offer: