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Home > Auto Insurance | Concord CA

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

California has one of the largest infrastructure systems in the United States, and as the state with the largest population, it also has the highest number of registered drivers. If you are one of them, then you need quality auto insurance that will protect you if accidents or other vehicle losses ever happen. 

Auto insurance exists because it protects you from the costly ramifications of wrecks, vehicle theft, hit-and-run accidents or other hazards. Getting the right coverage requires expert assistance if you want to fully maximize the benefits available. Here at Brick Insurance, we offer personalized services to help you design coverage that always offers you exceptional protection. 

To get your policy search started, call us at (925) 687-6262 or request your quote now by clicking here. 


Common Auto Insurance Questions 


How does auto insurance work?

Auto insurance works like most insurance policies. In exchange for an insurance premium, you will receive financial assistance from your insurance provider following a covered accident, such as a collision or bodily injury. Auto insurance can help cover expenses for things like repairs and medical bills. Depending on the claim you file, you may need to pay a deductible before your insurance kicks in to help cover repair or replacement costs.


What does auto insurance cover? 

Car insurance helps you be a responsible driver by providing you with financial assistance following wrecks or other damaging losses. It can help you pay not only for your own losses, but also for the losses of others when you have an obligation to compensate them. By building a personalized policy, you can enable yourself to affordably recover from costly hazards that could occur on any stretch of pavement. 


Why do I need coverage? 

Car wrecks are expensive. Therefore, you don’t want to get caught driving without the benefit of insurance behind you. With a quality policy in place, you can: 

·        Meet your legal responsibility to pay others for their losses if an accident is your fault. 

·        Pay for your own vehicle damage or replace a totaled vehicle. 

·        Cover the medical costs of you and your passengers. 

Policies are very adaptable, and you can include many types of coverage within a single plan. The specialists at Brick Insurance Agency will comprehensively review your policy options with you to determine where you can adapt your policy to your benefit. 


How much auto insurance do I need in California? 

California is an at-fault insurance state. This means that drivers who cause accidents must pay both for their own damage and for the damage of other parties involved, such as other drivers, pedestrians or property owners.  

As a result, the state has instituted a mandatory insurance requirement for all drivers. All policies issued in the state must contain the following coverage limits: 

·        $15,000 bodily injury liability coverage per person 

·        $30,000 bodily injury liability coverage per accident 

·        $5,000 property damage liability coverage 

Bodily injury liability coverage pays medical or death benefits to third parties who get injured or killed in accidents. Property damage liability coverage pays for the damage done to that person’s property. 

Please note, you can increase these liability coverage limits and buy other protection to further increase the amount of protection available to you. 


How many auto insurance policies can you have?

You can technically have multiple auto insurance policies. But since you can’t file the same claim on multiple policies, it doesn’t make sense to have more than one policy. Filing the same claim on more than one auto insurance policy might be viewed as insurance fraud and could lead to serious legal repercussions.


What is considered full coverage auto insurance in California? 

If you only carry the minimum amount of liability insurance required by California law, then you will have the legal amount of car insurance. However, the minimum policy won’t cover your own vehicle damage or other personal losses from accidents. To get further protection, you’ll need to expand your policy with additional benefits, such as: 

·        Comprehensive Coverage 

·        Collision Coverage 

·        Uninsured & Underinsured Motorist Coverage 

·        Roadside Assistance & Towing Coverage 

·        Personal Injury Protection (PIP) 

·        Medical Payments Coverage 

·        Rental Car Reimbursements 

With 24-hour customer service available and a dedicated team of agents on staff, we can tailor your benefits to offer exceptional cost benefits, including: 

·        Diminishing Deductibles 

·        Accident Forgiveness 

·        Minor Violation Forgiveness 

·        Policy Discounts 

·        Replacement Cost Vehicle Coverage 

·        Gap Insurance 

 Plus, if you ever need specialty auto coverage or Mexican auto insurance, a Brick Insurance specialist can easily quote these policies and them to your specifications.  

All our policies are easily customizable and come from reputable, client-oriented carriers. We’ll search the market to help you find the one that is in your best interest, and we’ll be here for you anytime you need to make a claim, need a policy adjustment or just have questions about the best coverage for you. 


Contact Us Today!
925-687-6262

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1460 Washington Blvd., Suite 213

Concord, Ca 94521

Phone: 925-687-6262
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