Auto Insurance in Downey and Los Angeles, CA

Having proper Auto Insurance ensures your independence behind the wheel.

The roads in and around Los Angeles can be hazardous, especially given the bumper-to-bumper traffic LA is known for. Choosing the right policy means that if something were to happen you'll be covered and back on the road in no time. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

How Much Coverage Do You Need?

Auto insurance requirements vary by state. In California, to drive you must carry:

• Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
• Property Damage Liability Coverage: $5,000 minimum
• Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
• Uninsured Motorist Property Damage Coverage: $3,500 minimum

It's important to note that no matter what level of coverage you choose, every driver in California is legally required to cover the cost of all damages they cause while driving.

Also, to finance a car requires collision insurance, which covers any damage to your vehicle caused by an accident, as well as comprehensive insurance, which covers any damage caused by things like hail, fire, flooding, or the theft of your vehicle.

Which Auto Insurance Policy Is Right For You?

If you’re involved in an accident without car insurance, you'll face high out-of-pocket costs, injury liability – even serious legal issues. Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Since policies vary with protection options, it’s important to talk to a specialist at The Point Insurance Services Inc. to create a policy that insures your needs.

We provide car insurance to drivers near Downey, Los Angeles, South Gate, Norwalk, Whittier, and Long Beach .