Drive with Confidence in California

Local Auto Insurance Solutions for the California & Beyond. Get comprehensive coverage tailored to California roads with expert guidance from your neighbors in Golden state.

Our Simple Process

Getting your umbrella insurance coverage is straightforward with Pacific Haven Insurance. Just One Phone Call Away From a Secure Future.

1

Call or Submit Form

Contact us via phone or fill out our simple online form to get started.

2

Call from Our Agent

Our licensed insurance agent will contact you to discuss your needs.

3

Understanding Requirements

We'll analyze your assets and lifestyle to determine the right coverage.

4

Customize Insurance Plan

We'll create a personalized umbrella insurance plan that fits your needs.

5

Your Assets Secure

Enjoy peace of mind knowing your assets are protected with comprehensive coverage.

Why You Need Reliable Auto Insurance in California

California roads can be unpredictable. From the busy streets of San Francisco to the coastal highways, having the right coverage is about more than just obeying the law—it is about helping to protect your financial future.

At Pacific Haven Insurance, we understand that every driver's situation is unique. Whether you are commuting to Silicon Valley or parking on the hills of the East Bay, your policy should reflect your risks.

Liability Coverage

Helps pay for bodily injury and property damage to others if you are found at fault in an accident. Protects your assets from lawsuits and medical expenses.

Collision Coverage

Helps repair or replace your vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault.

Comprehensive Coverage

Coverage that helps pay for damage caused by events other than a collision, such as theft, vandalism, fire, or falling objects.

Uninsured/Underinsured Motorist

Helps protect you if you are involved in an accident with a driver who has insufficient or no insurance. Essential in California.

Beyond the Minimum: What Recommended Auto Coverage Looks Like in California

While California law requires all drivers to carry liability coverage, the minimum limits are often not enough to fully protect your savings and assets in a serious accident.

We recommend considering coverage limits and options that reflect your actual financial picture and the high costs of medical care and vehicle repairs in the California.

Coverage Type California Minimum
(As of Jan 1, 2025)
Recommended Considerations
Bodily Injury Liability $30,000 per person /
$60,000 per accident
Higher limits such as $100,000/$300,000 or higher, especially if you own a home or have significant assets. This helps shield your personal finances.
Property Damage Liability $15,000 per accident Higher limits such as $50,000 or $100,000. The cost of a single new vehicle or a multi-car accident can easily exceed the minimum.

The Essential Optional Coverages

Beyond Liability (which pays others), an effective California policy also includes coverage that helps protect you and your vehicle:

Collision Coverage

Helps pay for the repair or replacement of your vehicle if it is damaged in a crash with another vehicle or object, regardless of fault.

Comprehensive Coverage

Helps protect your vehicle from non-collision risks like theft, vandalism, fire, or severe weather—a key consideration in densely populated areas.

Uninsured/Underinsured Motorist

Highly recommended. This coverage is designed to help pay your medical bills and damages if you are hit by a driver who has no insurance or not enough insurance to cover your costs.

Medical Payments (MedPay)

Helps cover immediate medical expenses for you and your passengers after an accident, regardless of who was at fault.

Why Choose Pacific Haven Insurance?

We are not just a website; we are your neighbors in Golden state, serving the entire San Francisco California.

Local Expertise

We understand the unique insurance landscape of California, from traffic density in Oakland to property values in San Mateo.

Personalized Service

You are not just a policy number here. We take the time to discuss your specific needs and find the right coverage.

Wide Choice

As an independent agency, we can help you review multiple options from different carriers that fit your life and budget.

Our Commitment

We strive to provide clear information and responsive service. We don't make empty promises; we work hard to help you.

See What The Community Has To Say

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Ready to Discuss Your Options?

Whether you need coverage for your car, your home, or both, our team is ready to assist you. Get personalized quotes and expert advice from local insurance professionals.