Best Local Car Insurance Agencies in Concord, CA

Concord, CA Car Insurance Agency FAQs

• Are you required to have car insurance in Concord?

  Yes. All drivers in Concord are required to have auto insurance, which is otherwise known as financial responsibility. Additionally, you must carry proof of your auto insurance in your vehicle at all times, whether operated or parked on California roadways. By law, your financial responsibility must be presented when requested by law enforcement, renewing your vehicle’s registration, and when your automobile is involved in a traffic collision.

• What are the minimum liability auto insurance requirements in Concord?

  According to California Insurance Code §11580.1b, Concord drivers must have insurance that covers at least $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for damage to property. Drivers may add comprehensive coverage, collision coverage, and uninsured and underinsured liability coverage to their policy.

• Are car insurance discounts available to Concord residents?

  Yes, car insurance discounts are available to Concord residents. When shopping for car insurance, local motorists can inquire about policies with discounts for safe drivers, good students, and seniors. Occasionally, there are also discounts available to those with good credit scores. Such discounts can help drivers reduce their monthly car insurance premiums, saving them money in the long run.

• Are you still eligible to obtain car insurance in Concord if you have violations on your driving record?

  Yes, you may still be able to obtain a car insurance policy in Concord even if you have a less-than-desirable driving record. However, as insurance companies in Concord use point systems to assess your risk as a driver, having too many points on your driving record may cost you higher insurance rates, suspension, or even the loss of driving privileges.

• Are you required to let the California DMV know if you wish to cancel your car insurance in Concord?

  Yes. You are required to notify the California DMV before you take any steps to cancel your auto insurance policy in Concord. Failure to notify the DMV of your intended cancellation may result in a suspension of your vehicle registration. For further assistance, you may call the California DMV at 1-800-777-0133.