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Introduction to Auto Insurance
Auto insurance helps pay for the injuries and damage that can happen when you own and drive a car or other motor vehicle.
 
This information will  help you compare policies and make informed decisions when you buy auto insurance. It can help you understand your auto policy. Your policy is a legal document, and it is important that you understand it.
 
Your motor vehicle may be an auto, truck, van, motorcycle, or another kind of private passenger vehicle.

California Law
 
You must show financial responsibility for any vehicle that you own, in case of injury to other people or damage to their property. Most people show financial responsibility by buying auto liability insurance. California law states, "All drivers and all owners of a motor vehicle shall at all times be able to establish financial responsibility and shall at all times carry in the vehicle evidence of the form of financial responsibility in effect for the vehicle."
If you do not have auto liability insurance, you can be fined, your license may be suspended, and your vehicle could be impounded.
 
Your Auto Policy
 
Your auto insurance policy is a contract between you and your insurance company. It explains:
Your costs.
Your coverages-the different things your policy covers.
Your exclusions-the things your policy does not cover.
 
Compare Policies
 
Auto policies can vary a lot. Discuss your insurance needs openly with your agent, broker, or insurance company. They can help you, but it is your responsibility to choose the insurance that is best for you.
You should always get several quotes. A quote is an estimate of your premium cost. Compare quotes before you buy a policy.
 
Know Your Policy
 
It is important to be familiar with your auto policy before you need it. Read it carefully. The Declarations page is a useful summary of your policy.
Call your agent, broker, or insurance company if you do not understand something in your policy.
Tell your agent, broker, or insurance company if you sell or buy a car or have new drivers in your household. 
Read your policy before you allow others to drive your car. Some drivers might be excluded from your policy. This means that the policy will not cover accidents when they are driving.