Auto Insurance
Finding the right auto insurance coverage in Southern California can seem like a challenging task, but Troy Kelly is here to simplify the process and ensure you’re fully protected on the road. Whether you’re commuting through Los Angeles, cruising along the Pacific Coast Highway, or navigating busy freeways, having the right auto insurance gives you peace of mind. We work with top-rated carriers to help drivers get customized coverage that meets California state requirements and their personal needs.
Liability Coverage
Liability insurance is required by law in California and serves as the foundation of any auto insurance policy. It covers damages or injuries you may cause to another person or their property in an at-fault accident. This includes medical expenses, vehicle repairs, and legal costs if a lawsuit is filed against you.
California’s minimum liability limits are:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for property damage
However, minimum coverage may not be enough for serious accidents, and higher limits provide better financial protection. Our agents can help you assess your risk level and determine the right amount of liability coverage for your driving habits.
Collision Coverage
Collision coverage helps pay to repair or replace your vehicle if it’s damaged in an accident, regardless of who was at fault. This includes collisions with other vehicles and objects like trees or guardrails, plus single-car accidents.
Collision insurance is especially valuable if you drive a newer or higher-value vehicle. It ensures you won’t have to shoulder the full cost of repairs or replacement out of pocket. We’ll help you find a policy that balances premium costs with the level of coverage you want.
Comprehensive Coverage
Comprehensive coverage protects your car from non-collision events such as theft, vandalism, fire, natural disasters, falling objects, and damage caused by animals. In Southern California, where wildfires, earthquakes, and theft can pose threats to your vehicle, this type of coverage adds an important layer of protection.
Many vehicle lenders require comprehensive coverage if you’re financing or leasing a car. Even if it’s optional for you, comprehensive insurance can prevent major out-of-pocket expenses from unexpected events beyond your control.
Let Us Help You Get Covered
Whether you’re insuring your first car or reviewing your current policy, we make it easy to get the coverage you need at a price you can afford. Our local knowledge and personalized service helps drivers throughout Southern California stay safe and legal on the road.
Contact experienced auto insurance agent Troy Kelly today to get the conversation started. We’re here to answer your questions and guide you through every step of the auto insurance process. We also offer other types of insurance, including fire insurance, life insurance, and more.