Auto Insurance

Whether you are shopping for additional coverage for your current auto insurance policy, or a new driver in search of your first auto insurance policy, Moncali Insurance has a solution that will meet your needs. We work with the nation’s top auto insurance carriers to ensure our clients throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff receive the best coverage and price on their auto insurance.

To comply with California law, every driver in California must be able to cover costs associated with an accident they are responsible for. The most common way to achieve this is to purchase liability auto insurance.

California Auto Insurance Requirements

  • $15,000 for injuries or death per person
  • $30,000 for injuries or death per accident to multiple people
  • $5,000 for property damage

Remember that these are only the amounts you are required to carry by California law. Purchasing higher levels of coverage will protect you even further.

It is important to note that the insurance you are required to carry does not protect your vehicle or your property. Optional coverage can be added to your auto insurance policy to fill in the gaps. Common optional coverage that many drivers choose to add to their policies include collision coverage, comprehensive coverage, roadside assistance/towing coverage, uninsured/underinsured motorist coverage, rental car coverage, and more.

The two most common additions to any auto insurance policy are collision coverage and comprehensive coverage. Collision coverage will help pay for damages to your vehicle if you were to cause an accident and are at fault. Your bank or lender may make it mandatory for you to carry collision coverage if you are financing or leasing a vehicle.

Accidents are not the only way our vehicles can be damaged. Comprehensive coverage is meant to cover damage to your vehicle caused by non-accident related incidents. This can include vandalism, fire, theft, natural disaster, and similar non-collision related damage. When deciding whether to add collision and comprehensive coverage to your policy, first consider the age and condition of your vehicle. It may not make sense to include these types of coverage on a vehicle that has lost much of its value. Our team of auto insurance experts will help you review your options to determine what types of coverage will add value to your policy.

California residents can take advantage of various discounts to help save money on auto insurance. Safe driver discounts, good student discounts, anti-theft discounts, multi-vehicle discounts, and much more are available! In fact, California law requires insurance companies to offer discounts to good drivers.

At Moncali Insurance, our goal is to offer the best coverage and rates available on auto insurance policies throughout Madera, Fresno, Carlsbad, Encinitas, Rancho Santa Fe, and Cardiff. For more information on California auto insurance or to receive a free quote, contact us today!