Frequently Asked Questions
How much coverage do I need?
The answer to this question is determined largely by your individual needs and situation. When you're trying to determine how much insurance to buy, here are a few things to think about:
How much can I afford to pay out of pocket? Often, our finances dictate the amount of coverage we purchase. The amount of insurance you purchase is totally up to you and not your agent. You must inform your agent of what insurance coverage is best for you.
Factors to consider are what one can afford monthly and also one's needs in the event one is involved in a collision and there is loss of property and/or injury. Weighing these matters over, will help one decide which coverage would be best.
The more protection you buy means the price will be higher. Conversely, the price is lower if you purchase less. However, it is good to consider what you have to lose if you don't have enough insurance protection and we are responsible for an accident or loss.
In addition to standard vehicles, trucks, luxury autos and sports cars, we also provide coverage for those who have collector vehicles.
We all need insurance - even those not yet in possession of a California driver's license. Let us know. We can help!
What Insurance is required by California law?
Bodily Injury Liability and Property Damage Liability. This coverage protects you if you are in a collision and cause either physical damage or property damage to someone. It will provide you with a legal defense in case someone sues you because of the accident.
What type of auto coverages are available?
Bodily Injury Liability
This coverage protects you if you are involved in an accident and you cause physical injury to others.
Property Damage Liability
This coverage protects you if you are involved in an accident and cause damage to someone else's property.
Uninsured Motorists Bodily Injury
This coverage protects you and others in your car for injuries sustained if you are in an accident with an uninsured driver.
Uninsured Motorist Property Damage
This coverage protects your vehicle if you are in an accident with an uninsured driver.
Medical Payments
This coverage pays medical expenses from an accident for either yourself or your passengers, regardless of fault. It can pay for your health coverage deductible. It can pay for emergency services, such as ambulance services, which is often not covered by your health insurance.
Comprehensive
This coverage pays for damages to your vehicle caused by something other than a collision. Some examples are vandalism, theft, and damage due to animals, fire or flood. This coverage pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
Collision
This coverage pays for damages to your vehicle, regardless of fault, when you hit another car or object. This coverage pays to fix your vehicle less the deductible you choose. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket
What is the SR22 filing?
The Department of Motor Vehicle (DMV) may require a SR22. This is a certificate of insurance filed by your agent directly to the Department of Motor Vehicles.
Why is a SR22 filing required?
The Department of Motor Vehicle (DMV) may require a SR22 filing if one has had previous insurance violations, suspensions, unsatisfied judgments, or driving under the influence violations.
How can I obtain a SR22?
Notify your agent who will prepare the certificate and forward it to the Department of Motor Vehicles in your behalf. Your agent will let you know what information is required for the preparation of the certificate.
Can I get insurance if I only have a driver's permit?
Yes, Cal-Save works with many insurance companies who happily provide coverage for new drivers.
I do not have a driver's license. I do have a matricula. Can I get insurance?
Yes, we provide insurance for drivers who possess a valid Mexican matricula.
What kind of auto insurance discounts are available to me?
There are many discounts available to help reduce the costs of insurance premiums. Some of these discounts are related to the driver. Other discounts are related to the type of auto one has.
Examples of discounts relating to drivers are:
Good Driver Discount
Defensive Driver Course Discount
Good Student Discount
Military Discount
Professional Group Discounts (Examples include: Teacher's Association, Public Safety Association - Police or Firefighters, Federal Credit Union discount, CSU alumni)
Multi-car Policy Discount
Examples of discounts relating to autos are:
Passive Restraint Systems
Anti-Theft Devices
Anti-Lock Brakes
Day-Time Running Lights
Air Bags
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