Auto Insurance in Rancho Santa Fe, CA

California drivers must purchase liability coverage to comply with state laws. Your agent can help you tailor your auto insurance coverage to meet your needs by adding vehicle coverage as lienholders require.

Contact Ranch and Coast Insurance Services today to get personalized car insurance quotes.

How Does Car Insurance Work?

Your auto insurance policy is a contract with an insurance company. They agree to pay damages according to the terms of the contract in exchange for regular premium payments.

Depending on the coverage you choose, auto insurance may help pay your medical bills and repair or replace your vehicle if you are in an accident or your vehicle is damaged. Your policy documents contain details about the following:

• Your costs—This is the amount of money you must pay in premiums to keep your auto insurance policy in force.

• Your coverages—These are the things covered by your auto insurance policy. For example, your policy may include MedPay, liability, comprehensive and collision coverage.

• Your exclusions—These are the things your policy does not cover. For example, accidents that occur while using your vehicle to provide rideshare services may be excluded from your personal auto insurance coverage.

What Does Car Insurance Cover?

California requires the following auto insurance coverage:

• Auto liability insurance may help cover your legal liability for third-party injuries and property damage after an at-fault accident up to the policy’s limits.

Your agent may recommend that you add the following optional coverages: 

• Medical payments (MedPay) may help pay medical and funeral expenses for you, your family members and your passengers after an accident, regardless of who is at fault.

• Uninsured/underinsured motorist coverage may help pay for your damages if you are in an accident with an uninsured or underinsured at-fault driver.

• Collision and comprehensive coverage may help pay to repair or replace the covered vehicle if it’s damaged in an accident with another vehicle. It may also cover damage due to hitting an animal in the road, vandalism, severe weather, vandalism or theft. Your lienholder requires this coverage.

• Guaranteed asset protection (gap) insurance may help pay the difference between your insurer’s settlement and the total amount due to pay off your loan or lease if your vehicle is a total loss after a covered accident. Some lienholders require this coverage.

Electric Car Insurance Vs. Conventional Car Insurance

Electric cars may cost more to insure than combustion vehicles. Electric cars tend to have higher purchase prices and may require specialized equipment, parts and knowledge to repair after an accident.

Some insurers are electric car friendly, which means you could receive discounts to help offset the higher insurance cost. Your agent can help you get multiple personalized quotes from reputable insurers.

What Should I Do if I’m Involved in an Auto Accident? 

If you’re involved in an auto accident, ensure everyone’s safety and call emergency services if needed—exchange information with the other driver, including names, contact details and insurance information. Document the scene with photos and contact your insurance company to report the incident.

Is Roadside Assistance Included in All Auto Insurance Policies? 

No, roadside assistance is not included in all auto insurance policies. It is often offered as an optional add-on that you can purchase for an additional fee. Check with your insurance provider to see if this service is included or available as an add-on.

What Information Do You Need for a Car Insurance Quote? 

To get a car insurance quote, you’ll need to provide personal information such as your name, address and date of birth, as well as details about your vehicle, including the make, model and year. You’ll also need to share your driving history, including any accidents or violations, and the coverage levels you seek.

What Type of Car Insurance Should I Get? 

The type of car insurance you should get depends on your needs and circumstances. At a minimum, you should have liability coverage to meet state requirements, but you may consider comprehensive and collision coverage for more extensive protection. Discuss your options with your agent to determine the best coverage for your situation.

How to Get Auto Insurance In California

Ranch and Coast Insurance Services is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.