Get the car insurance coverage you need at a price you can afford. Serving all of California and Nevada.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Jessica Liu Insurance Services can help you find the right policy for your car by comparing quotes and coverage options from several top providers. In addition to cars, we also insure motorcycles, classic cars, motor homes, boats, Jet Skis, ATVs, and more.
How Much Auto Insurance Do You Need?
We have agents across California and Nevada, so our team understands the auto insurance needs of our customers.
Auto insurance requirements vary by state. In most states, to drive you must carry:
- Liability coverage — to pay for losses you cause others, or
- No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
- Both liability and no-fault coverage
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. We write insurance and would be happy to help you ensure you have the right coverage for where you live.
Financing a Car?
To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Driving Discounts Save Money with Cost-Saving Car Insurance Discounts and Unique Benefits As your independent agent, we strive to help you use all possible credits and discounts to make your car insurance coverage affordable. Did you know you could easily be eligible to save even more on our already competitive rates? Our carriers offer a […]
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