Coverage
From minimum liability to full coverage packages — here’s what each piece actually does so you can choose with clear eyes.
Liability covers injury and property damage you cause to others in an accident. California sets minimum limits, but many drivers — and many lenders — want higher limits when a serious claim could exceed the state floor. We’ll help you weigh cost against the exposure of your commute, passengers, and assets.
Collision helps pay to repair or replace your vehicle after a crash with another car or object — regardless of who was at fault for the accident itself (subject to your deductible and policy terms). It’s usually required if you finance or lease, and still worth comparing if your car’s repair value is higher than the deductible you’d pay.
Comprehensive covers non-collision losses like theft, vandalism, fire, falling objects, and many weather events. Paired with collision, it’s what most people mean by “full coverage.” Deductible choices matter here — a higher deductible lowers premium, but you’ll pay more out of pocket if something hits your windshield or your car is stolen overnight.
Roadside assistance add-ons can cover towing, flat tires, lockouts, and jump-starts when a problem leaves you stranded. It’s optional, but useful if you drive older vehicles, take longer trips, or simply want a clear number to call instead of hunting for a tow truck at midnight. Ask us which carriers include it and what trip limits apply.
Request a quote and we’ll map limits and deductibles to your vehicle and budget.
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