StateFarm Auto insurance CA

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Choosing the right auto insurance can be tough. We make it easier with a fast online quote that helps you get car insurance discounts as you go. You can compare options and customize coverage to fit your needs. After you choose State Farm, we’re there anytime, anywhere you need us. Get your auto insurance quote now, and get to a better State®.

How are you covered in case of an accident?

You were distracted while backing out of a parking space and didn’t see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.

Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you’re sued, it also pays your defence and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.

How much coverage do you need?

Every province sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we’ll be able to pay all of the damages for you. Limits higher than the province minimum might be the best choice for you.

How are you covered in case of an accident?

You were stopped at a red light when you were struck by another motor vehicle. You were injured. Accident Benefits provides coverage for your injuries.

This coverage is required in the provinces of Ontario, Alberta and New Brunswick. Accident Benefits includes coverage for expenses you incur when you are injured in an automobile accident. Accident Benefits does not cover expenses that are covered by another medical plan, such as your provincial health insurance, or workplace insurance. Some of the expenses Accident Benefits coverage can pay for include medical rehabilitation, lost income, and funeral expenses, and death benefits. In some provinces Accident Benefits may also include coverage for education, damaged items, family visitation, caregiver, housekeeping, dependent care and attendant care expenses, and may offer increased benefits if you are catastrophically injured.

How much coverage do you need?

Accident Benefits coverage is required in Ontario, Alberta and New Brunswick. In Ontario, optional benefits are available and can be purchased in addition to basic benefits.

How are you covered in case of an accident?

It’s only a fender-bender, but the cost of the headlight, a new bumper, and a paint job can add up quickly. Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:

  • Collision with another vehicle
  • Collision with an object
  • A vehicle rollover

How high should your deductible be?

Higher deductibles lower your premium but increase the amount you’ll have to pay out of your own pocket at the time of a loss. Ask yourself how much you’re willing to pay when a loss occurs to save money on premiums. If your vehicle is leased or purchased with financing, you may be required to purchase collision coverage.

How are you covered in case of an accident that is not entirely your fault?

An icy road causes a vehicle to collide with yours. With Direct Compensation Property Damage, you’ll be covered for damage to your car in the event of an accident that’s not entirely your fault. Direct Compensation Property Damage is only applicable in Ontario and New Brunswick. Not applicable in Alberta.

How much coverage do you need?

Direct Compensation Property Damage is mandatory in Ontario and New Brunswick.

To make sure you get all the available discounts, we apply the savings automatically during your car insurance quote. Keep in mind a lot goes into determining your price, including the vehicle you drive, where you live, how much you drive, and your driving record — as well as coverages, deductibles, and limits. In some provinces, your age, gender, and marital status may be factors. Your agent can help when you decide how best to balance coverage and price and confirm you’re getting all the discounts you’re eligible for.

Learn more about auto insurance discounts

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