San Diego Vehicle Insurance Plans

If you drive a car in California, you are required to have car insurance or demonstrate another form of financial responsibility. Driving without car insurance will cause the DMV to suspend your vehicle registration and you may need to pay a fine. If you continue to drive after your vehicle registration is suspended, you will be cited, have your car impounded, and/or be personally liable for damages caused by a car accident. The best thing to do is to get car insurance instead of getting yourself into trouble with the law. Luckily, KM Insurance Services makes shopping for San Diego vehicle insurance plans fast and easy.

San Diego Vehicle Insurance Plans: How Much Do I Need?

Californians need to have car insurance in order to legally drive in California. The minimum liability insurance is:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

Though, it is advisable to have more than just the minimum coverage. A general rule of thumb is to have liability insurance of $100,000 per person and $300,000 per accident. Financial experts suggest that you should have an insurance policy which covers 2x your personal assets. In other words, if you own a $500,000 house, then your insurance plan should cover 1 million in damages. Not everyone can choose this option but you should at least have the minimum coverage, and if possible, minimum plus a bit more.

KM Insurance Services

Since 1978, KM Insurance Services has been working with numerous insurance providers to cultivate lasting relationships. These collaborations allow us to find or create San Diego vehicle insurance plans that are affordable and specific to your needs. People own different types of cars and they use their cars for different reasons. There is no one-size-fits-all insurance plan that works for everyone. KM Insurance Services customizes insurance plans so you get what you need and drop what you don’t. Please contact us today by Email or by telephone at: (619) 667-2880.