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Finding the Right Auto Insurance

Do I Need insurance?


In California, auto insurance is required on all vehicles operated or parked on California roadways. You must carry evidence of insurance in your vehicle at all times and it must be provided as specified below when:


  • Requested by law enforcement.

  • Renewing vehicle registration.

  • The vehicle is involved in a traffic collision.


What Are the Minimum Liability Insurance Requirements for Private Passenger Vehicles (California Insurance Code §11580.1b)?

  • $15,000 for injury/death to one person.

  • $30,000 for injury/death to more than one person.

  • $5,000 for damage to property.

What are all the Coverages Available in Insurance?


Required* Basic Liability


  • Bodily Injury to one person

  • Bodily Injury per accident

  • Property Damage


Optional Coverage*


  • Medical Payments

  • Uninsured/Underinsured Motorist Bodily Injury

  • Uninsured/Underinsured Motories Property Damage

  • Comprehensive Coverage

  • Collision Coverage

  • Rental Coverage

  • Towing Coverage

  • Loan/Lease gap Coverage

  • Mechanical Break Down Coverage

How do I buy insurance?


At SMK, we have taken the liberty to select the best insurance carriers for you. To learn more about our carriers or to receive your free quote, visit the following pages or speak to a licensed agent today. We can help you find what policy best fits your needs.


Here's what you need to know about finding the right coverage for you. In the state of California, there are basic requirements you will need to have which is known as Basic Liability. To further protect yourself on the road, there are opertional coverages you can buy as well.



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