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Auto Insurance in San Diego

How Does Auto Insurance Work in San Diego, California? 

Car insurance can help provide a financial safety net if you experience an accident or other incident that causes damages. Your auto insurance policy is highly customizable, so working with an experienced agent is crucial to getting appropriate coverage at favorable rates. 

Contact Destiny Insurance in San Diego, California, to build tailored coverage and get personalized car insurance quotes. 

Man Inside Vehicle

Do I Need Car Insurance? 

Car insurance is required in California. Drivers must have the minimum liability insurance coverage set by state law. This includes coverage for accident-related third-party injuries, deaths and property damage. 

If you’re at fault in an accident, you’re responsible for any resulting injuries or property damage. Car insurance can help cover these liabilities up to the policy’s limits. 

If you lease or finance a vehicle, the lienholder can impose insurance requirements. Your agent can help you get auto insurance coverage to comply with California’s laws and your lienholder’s requirements. 

What Auto Insurance Covers? 

Auto insurance can help cover the following: 

  • Auto liability coverage may help cover third-party damages if you cause an accident. 
  • Collision coverage may help pay for repairs to your vehicle after an accident. 
  • Comprehensive coverage may help pay for noncollision-related damage to your vehicle, such as theft, vandalism, natural disasters or hitting an animal. 
  • Medical payments (MedPay) coverage may help cover accident-related medical bills for you and your passengers up to the policy’s limits. 
  • Uninsured/underinsured motorist coverage may help pay for damage to your vehicle if you’re in an accident with a driver who doesn’t have enough insurance. 

How to Get Car Insurance Quotes 

Contact Destiny Insurance today to start comparing personalized car insurance quotes.