Kay Pacey Insurance Services, Inc.

Tips to Good Insurance at Better Prices
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Maintaining Insurance Coverage During Tough Times is Important
Tips for Maintaining Insurance During Financial Difficulty
Having difficulty maintaining insurance? Be sure to consider raising your deductibles or lower your insurance coverage to make insurance more affordable. Get a quote from your agent for potential changes and alternatives to lower your insurance costs.
  • 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.

    1. Bodily injury liability provides pays 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.

    2. 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.

  • A peace officer will probably ask you for insurance if you are stopped for a traffic violation.
  • If you donít have insurance, you could receive a $500 to $2,000 traffic ticket.
  • You need insurance to register your car. If you donít register your car, it may be impounded.
  • You need insurance or the DMV may suspend your drivers license or registration and impose a fine for re-instatement.
  • Your lienholder, if any, may place higher cost insurance on your car at your expense.
  • You may be liable for injuries and damages to vehicles and property if you are in a collision while uninsured.
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, Reputation and Affordability —  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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