Auto Insurance FAQs – JSSR Insurance Agency
Shopping for car insurance shouldn’t be confusing. Below are answers to the most common questions drivers in California (and nearby states like Arizona, Washington, and Oregon) ask us every day. We make insurance simple, transparent, and tailored to you.
1) What is auto insurance and why is it important? ›
Auto insurance is a financial safety net that helps pay for injuries, property damage, and legal expenses after a covered incident. It protects you, your passengers, and others on the road—and it’s required by law in most states.
2) What types of auto insurance coverage do I need? ›
Common coverages include:
- Liability – Pays for injuries or property damage you cause to others.
- Collision – Repairs your vehicle after a collision, regardless of fault.
- Comprehensive – Covers non-collision losses (theft, vandalism, weather, animals).
- Uninsured/Underinsured Motorist – Protects you if the other driver lacks adequate insurance.
- Medical Payments / PIP – Helps with medical bills for you and your passengers.
We’ll help you customize limits and deductibles to fit your budget and risk tolerance.
3) How much auto insurance is required in California? ›
California’s required minimum liability limits are typically $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15). Minimums may change; we usually recommend higher limits (often paired with an umbrella) for meaningful financial protection.
4) What factors affect my car insurance rate? ›
- Driving record, violations, and at-fault accidents
- Vehicle year, make, model, and safety features
- ZIP code/garaging location and annual mileage
- Age, household characteristics, and sometimes credit (varies by state)
Pro tip: clean record + right discounts = significant savings.
5) How can I lower my premium without sacrificing coverage? ›
- Bundle auto with home, renters, life, or umbrella.
- Choose a higher deductible you can comfortably afford.
- Take a defensive driving course (and keep violations off your record).
- Ask about multi-car, telematics/safe-driver, good student, and pay-in-full discounts.
- Install anti-theft devices and keep comprehensive/collision aligned to vehicle value.
6) Do I need insurance if I rarely drive? ›
Yes. Liability coverage is still required. If you drive infrequently, ask us about low-mileage or pay-per-mile options to keep costs down.
7) What happens if I drive without insurance? ›
- Fines, penalties, and possible license suspension
- Vehicle impound fees
- Full personal responsibility for damages and injuries
The cost of going uninsured is far higher than carrying proper coverage.
8) Can I get coverage with tickets, accidents, or a DUI? ›
Absolutely. We shop multiple carriers for drivers with imperfect records to find fair pricing and solid protection.
9) Why choose JSSR Insurance Agency? ›
We’re an independent, local team serving California, Arizona, Washington, and Oregon. We compare multiple top carriers, tailor coverage to your needs, and offer fast support when it matters most. Our motto: “Our knowledge, your success.”
10) How do I get a free auto insurance quote today? ›
Call (209) 701-6900, email
Ready to compare quotes and save?
We’ll shop top carriers, explain your options, and help you choose the right protection.
Serving drivers in Lathrop, Tracy, Santa Clara County, and across CA, AZ, WA, and OR.
