Auto Insurance Information
Insurance for Drivers Throughout Tulare, Visalia and Bakersfield, California
Every driver in California is different. You need an auto insurance policy tailored to your history and your insurance needs.
With over 200 years of combined experience, Hooper, Spuhler & Sturgeon Insurance Services work closely with drivers across California to design car insurance policies at affordable prices. Our dedicated staff provides high quality service with attention to detail. We will help you through every step of the process in finding a car insurance policy that is perfect for your insurance needs and your budget.
Is Auto Insurance Mandatory in California?
California state law requires all drivers to carry a minimum amount of liability insurance. Auto insurance requirements in California are:
$30,000 in bodily injury liability per more than one person
$5,000 in property damage liability
These are only the minimum car insurance requirements in California. They do not represent how much coverage you should have on your vehicle, however. Liability alone will not cover damages to your vehicle or any injures you or your passengers may suffer after an accident.
What Does Auto Insurance Cover in California?
Along with liability insurance, drivers in California should also consider coverages such as:
Comprehensive: Comprehensive coverage provides compensation for damages to your vehicle due to fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
Collision: Collision coverage provides compensation for damages to your vehicle due to a collision with another vehicle or object.
Medical Payments Coverage: Medical payments coverage helps with you and your passengers’ medical bills after an accident, no matter who is declared at-fault.
Uninsured/Underinsured Motorist: This insurance provides compensation for damages that occur in an accident involving a driver who is not carrying insurance.
Roadside Assistance: Roadside assistance helps with trip interruption expenses such as running out of gas and needing to be towed.
Looking for coverage for your business vehicles? Consider .
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Common Auto Insurance Questions
What is Considered Full Coverage Auto Insurance in California?
Full coverage auto insurance simply refers to the highest amount of insurance you can have on a single vehicle. This generally includes higher liability limits along with comprehensive, collision, medical payments coverage, uninsured motorist coverage and roadside assistance.
Does California Have No Fault Auto Insurance?
California does not have no-fault auto insurance. California is an at-fault state when it comes to auto insurance, which means drivers who cause accidents may be held financially liable for damages and injuries they cause.
How Can I Lower My Car Insurance in California?
There are many ways to save money on car insurance. Ask a Hooper, Spuhler & Sturgeon Insurance Services about discounts you may qualify for and other ways you can save money. One useful way to save money on car insurance is to bundle it with your home insurance.
Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.