The best insurance carrier for you may be different than the best one for your neighbor, best friend, or sibling. Each carrier has a different target market and working with an independent agent like the ones at Ludwig & Fawcett will allow you to get quote from multiple carriers. Let us help you customize your insurance coverage so that your needs are met. 

Age, zip code, annual mileage, and driving history are all rating factors that can impact the premium you will pay for auto insurance. Please keep in mind that if/when these factors change, you will likely see a change in your rate.

In California, you are required to have the following coverages:
Minimum Bodily Injury Liability Coverage Limit: $15k per person / $30k per accident
Minimum Property Damage Liability Coverage Limit: $5k

Getting the cheapest insurance coverage / minimum coverage limit may sounds great but it can lead to financial devastation. It is important to link about what you would do if you hit a car and the damage exceeded your property damage coverage limit? Your assesses (home, savings, etc.) or even future wages could be targeted. You want auto insurance that is affordable but even more importantly – reliable when you need to use it!