Kay Pacey Insurance Services, Inc.

Tips to Good Insurance at Better Prices
Questions? Need Help? Call 1-877-689-8953
Important Information about California Auto Insurance
Tips to Find the Right Insurance
With so many insurers competing against each other, finding affordable California auto insurance can be difficult.
Required Coverage —  Under California law, every motorist is required to carry California auto insurance that satisfies state requirements. The two coverages required by the State of California are bodily injury and property damage liability.
Bodily injury liability provides funds for medical expenses, lost wages and pain and suffering if you are responsible for injuring someone in an auto accident. The minimum coverage amounts under California law are $15,000 for bodily injury per person, $30,000 for bodily injury per accident.
Property damage liability provides funds to pay for damages to another motorist's car if you are found liable for an accident. The minimum liability limit for property damage is $5,000.
It is important to realize that these limits are the maximum amount of money your insurer will pay out if you are responsible for an accident, and may not be enough to cover damages for which you are responsible. It is for this reason that you may wish to consider purchasing higher amounts of California auto insurance.
Protecting Consumer Rights —  California has many regulations in place to protect your rights as a consumer, some of which include:
  • Requiring insurers to offer a good driver discount if you have driven at least three years with no more than a point on your driving record.
  • Prohibiting the cancellation of your California auto insurance unless you have committed fraud, failed to pay your premium or if the rates for the hazard against which you are insured increase substantially.
  • Determining your California auto insurance rate by state-mandated criteria, such as your driving record, the number of miles you drive per year and how many years experience you have behind the wheel.
Saving Money on California Auto Insurance — 
  • Call us at 1-877-689-8953 or visit www.KayPaceyInsurance.com to compare rates and coverage options before you speak with an agent.
  • Maintain a clean driving record.
  • Increase the deductibles on collision and comprehensive coverage as high as you can without jeopardizing your finances.
  • Ask about discounts for insuring multiple cars, taking driver's safety courses or insuring a car with anti-theft devices, etc...
  • Kay Pacey Insurance Services has additional discounts for couples, domestic partners, related and unrelated household members, multiple policies, non-smokers, professional and trade associations, good students, military, civil service employees and senior citizens.
Easily Compare Quotes —  As a non-captive agency with nearly 70 companies to choose from, we provide you with an easy opportunity to save on your insurance rates, saving you time, money, fuel, wear and tear, and we even review your policy for a better rate prior to your renewal.
Compare Prices, Features and Reputation —  When you purchase insurance, it is important to remember to shop for insurance in the same way that you shop for any other consumer product. Make sure to compare prices, features, and reputation. Also, don't ask for "the best coverage." Someone may give you what they think you need, rather than what you actually need. It is always wise to compare coverages on your own to determine the best product for you.
Preferred, Standard and Non-Standard Insurance —  The State of California requires everyone to maintain automobile insurance. We insure drivers with an International License, drivers that need an SR-22 filing, anyone with a Metricula Card and the unlicensed at substantial savings. Out of state, revoked, permanently revoked and suspended licensed drivers can save hundreds of dollars on insurance.


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