Questions answered.
How much is car insurance on average? +
The national average is around $1,200–$2,000/year, but it varies greatly based on your driving record, location, vehicle, age, and coverage level. The only way to know your real rate is to get a quote — we'll compare 20+ options for you instantly.
What's the minimum coverage required in California? +
As of January 1, 2025, California requires minimum liability of $30,000 per person / $60,000 per accident for bodily injury, and $15,000 for property damage (SB 1107 — first increase in 50+ years). These are the legal floor — we recommend higher limits to fully protect your assets in a serious accident.
Can I switch insurance mid-policy? +
Yes! You can switch at any time, not just at renewal. Your old insurer will typically refund the unused portion of your premium. We make the transition seamless so you never have a coverage gap.
Does adding a teen driver really increase rates that much? +
It can, but the increase varies a lot by carrier. Some carriers are much more lenient with young drivers than others — which is exactly why shopping with an independent broker like CoverGuard makes such a big difference for families.
Do I need comprehensive and collision? +
If your car is financed or leased, your lender typically requires both. If you own your car outright, it depends on your car's value — we'll help you calculate the break-even point so you can make a smart decision.
How does bundling home and auto save money? +
Most carriers offer 10–25% discounts when you bundle multiple policies. We'll always check whether bundling your auto with home or renters gives you the best combined rate during the quoting process.