Affordable, Low Cost, California Auto Insurance Quotes, Payton Insurance Agency
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California Auto Insurance Agent Shawn Payton, Simi Valley California
Basic Requirements For California Auto Insurance

How Much Auto Insurance Do I Need

"We always receive prompt service when we call, and we even get an occasional call to check if everything is alright with us. We would highly recommend Payton Insurance." More

  -- Gitte and Steve Bloom

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Minimum California auto insurance coverage required:

Bodily Injury Liability Coverage (minimum): $15 000 / $30 000

Property Damage Liability Coverage (minimum): $5000

California uses a Tort system which means that at least one of the parties involved in an accident must be found to be at fault. The party which is at fault and their insurer will be responsible for all damages. The exact details of a tort system may vary from state to state. You can also get uninsured/underinsured motorist coverage for bodily injuries that are caused by an underinsured or uninsured driver. It is not mandatory to get this type of coverage in California but it is recommended that you do in case you get into an accident with an uninsured motorist who has no way to pay for the damages caused.

When you request a quote on our website, we will give you the choice of either the minimum required coverage, some more complete packages, or you can choose limits and deductibles that suit your needs. We also have car insurance agents that are licensed to practice in the state of California and who are available to help you obtain a quote and purchase insurance. Here you can get local car insurance all over the state of California. Simply click the button in the area that you see on the page or follow the link to get your quote right away.

Car insurance premiums for California residents averaged at $1308 in the year 2010, while the national average premium was $1578. Some people may believe that insurance companies decide amongst themselves to set the rates, so they are reluctant to shop for better rates that could save them lots of money. The truth is, there are many factors which affect the cost of car insurance in California. By shopping around, you can determine if you can save money on your auto insurance. Our Agents help you find the best rate that can let you pay less than the average California car insurance rates in many cases. In 2010, we have observed a drop in car insurance prices. Therefore, it is important to shop around for your auto insurance in order to get the best rates.

Our website brings competitive offers straight to you. Rates within California have changed significantly in the past few years. If we look at the current average auto insurance rates, the average premium was 21% less in 2010 than it was in 2009. 2009 showed a decrease of 6% from 2008 in the state of California. This is why there has never been a better time to look around for low rates for car insurance, by requesting an instant auto insurance quote that could potentially save you hundreds each year on car insurance.

Even if you are a high risk driver who doesn’t have the best driving record, we will work with you in order to find the best rates that are available to you in the state of California. After all, with the ever increasing amounts of vehicle theft and car accidents, it is very important that you and your property be protected adequately.

We are always looking to add new insurance carriers to our directory so that you can compare the rates between even more carriers and you can make your purchase online right away.With our Agents you can compare between reliable auto insurance companies and have the choice of either making your purchase online right away or to do it by telephone. Simply click the get Quote Button to see how much money you can save on your car insurance in California.

If you are looking for car insurance in another state, our insurance site can give you detailed quotes for all of the 50 states in the nation. If you want to find car insurance rates in a state other than California, simply enter your zip code above. You can also click the link below to get more information on car insurance in all other states.

 
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Looking for affordable California auto and homeowners insurance? We aim to answer all your questions and give you the freedom to compare quotes and choose the right policy for you and your family.

PAYTON INSURANCE AGENCY
1791 Erringer Road, Suite 203
Simi Valley, CA 93065
Office (805) 526-9552
Fax (805) 915-0313