We understand that finding the right car insurance in California can be a challenge. With countless insurance companies and tons of small print to get through, it’s easy to feel lost.
At MIS Insurance, we’re here to take the work off your hands. We know how difficult it can be to obtain California auto insurance, which is why our team works around the clock to help you secure a policy that aligns perfectly with both your needs and your budget.
So whether you’re seeking basic coverage or a comprehensive plan, we’ll assist you in getting the protection you require at a price you can afford.
Auto insurance provides property, liability and medical coverage:
- Liability coverage pays for your legal responsibility to others.
- Property coverage pays for damage to or theft of your car.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Are You Paying Too Much for Car Insurance?
Is your Insurance Company raising your rate because of your DUI, tickets or accidents? Or because you have young drivers in your household? Do you have a suspended license? Do you have an international license? We can help you with rates as low as $49/month. WE can insure ANYONE! We work with 78 companies and we have a market for every car and every driver. Call us and find out for yourself.
We also offer SR22 Insurance across all of California, and are the highest rated SR22 agency in the state!
Get Cheap Car Insurance in California
As you probably already know, auto insurance in California is mandatory, but that doesn’t mean you have to break the bank in obtaining it. With MIS Insurance, you can compare car insurance quotes in California from multiple leading insurance providers to find the most budget-friendly option. We work with 78 insurance providers, so we’ll always be able to find a policy that you can afford.
We also make it a priority to work around your individual needs and help you discover discounts that can significantly lower your premium. As an independent agency, we’re able to negotiate on your behalf and get you a price that you deserve.
California Car Insurance Requirements
To legally drive in the Golden State, you need to have at least three different types of auto insurance. Here are the minimum California car insurance requirements:
Bodily Injury Liability Coverage
This type of insurance covers injuries you cause to others in an accident, with the minimum requirement being $15,000 per person and $30,000 per accident. This coverage is essential to protect your finances in the event you’re found at fault in a road accident.
Property Damage Liability Coverage
Property damage liability coverage will cover damage you cause to another person’s property in an accident. In California, the minimum requirement is $5,000, including damage to other vehicles, buildings, and other structures.
Uninsured Motorist Bodily Injury Coverage
This type of insurance covers your injuries if you’re hit by an uninsured or hit-and-run driver. While this coverage is not mandatory in California, it’s highly recommended given the number of uninsured drivers on the road.
What Factors Affect Car Insurance Rates in California?
Several factors can influence your California car insurance rates:
Driving History
Your driving record is a major factor in determining your insurance premium. Your best asset is a clean driving record with no accidents or violations, as this will typically result in lower rates. But if you do have priors on the road, we can help you obtain auto insurance at a price that works for you.
Vehicle Type
The type of vehicle you drive, including its make, model, year, and safety features, can all affect your insurance costs. This is because older models tend to be a higher risk on the road, or might have higher chances of being faulty.
Location
Where you live and park your vehicle in California can also influence the rate you pay for your insurance. Unfortunately, if you live in an area with higher rates of accidents, theft, or vandalism you may end up with higher premiums.
This is why we at MIS Insurance strongly encourage you to reach out to us – we’ll be able to submit applications on your behalf, and help negotiate to get you a price you can afford.
Credit Score
Insurers in California can also use your credit score as a factor in determining your insurance premium. If you have a higher credit score, this generally means that you’ll end up paying lower rates. If you have a lower credit score, we can work with providers that offer coverage to those with weaker financial profiles.
Key Features of Our California Car Insurance Services
At MIS Insurance, we offer a range of CA car insurance services to meet your needs:
Personalized Quotes
We’ll provide you with auto insurance quotes in California tailored to your specific requirements and budget. We want to find a solution that works for you and your budget, not a one-size–fits-all fix.
Multiple Carrier Options
We work with 78 top insurance providers, so we can offer you plenty of choice and competitive rates across the board. Our independence allows us to shop the market and find the best policy for you, without you having to do any of the work.
Expert Advice
Our experienced agents are always happy to take calls, answer your questions and do everything in their power to help you find the right coverage at the price. We take our commitment to providing exceptional customer service seriously, which is why we’ve got thousands of 5-star reviews across Google, Birdseye and Verified Reviews.
Why Choose MIS Insurance Services?
- Independent Agency: We work for you, not the insurance companies. We offer unbiased advice and find the best policy for your needs.
- Top-Rated: We’re the highest-rated SR22 insurance agency in California, with thousands of 5-star reviews and a trusted customer base across other states.
- No Hidden Fees: We believe in transparency and will always explain all costs associated with your policy, point by point.
- Instant Quotes: Get CA auto insurance quotes quickly and easily online, or in minutes over the phone.
FAQs
How to get a quote for car insurance in california?
Getting a car insurance quote in California is simple. Simply visit our website to submit an enquiry form, or give us a call, and we’ll provide you with a personalized quote based on your needs, budget, and more.
How to find affordable car insurance in california?
The best way to find affordable car insurance in California is to obtain it via a company like us at MIS Insurance. We work closely with 78 insurance companies, so we can compare quotes from multiple providers, consider raising your deductible, and inquire about discounts on your behalf.
How much is car insurance per month in California?
The average cost of car insurance in California varies based on several factors, including your driving history, vehicle, and coverage. We offer full auto insurance in California for as little as $49 per month.
What is the new car insurance law in California?
California regularly updates its car insurance laws and regulations all the time. For the latest information and 2024 updates, please refer to the California Department of Insurance website.
At what age does car insurance cost begin to decrease?
Car insurance rates often begin to decrease around age 25, as drivers in this age group are generally considered less risky.
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