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Did you know that California Health Insurance prices are fixed by law?
You cannot find a lower price anywhere for the same product.

But what you can do is talk with us your California Health Insurance experts that will help to explain your choices and to provide you guidance.

We are a San Diego based Insurance agency protecting dreams by proving all lines of affordable insurance to California residence and businesses such as: Medicare, Health, Renters, Home, Auto, Business, Workers Compensation, Group Health Insurance, and DUI insurance to California at an affordable price.

Weather you live in San Diego, Los Angeles, the tip of California or somewhere in between, we can help you find affordable California Insurance, San Diego Insurance, Los Angeles Insurance free of charge and without a broker's fee.

Del Dios Insurance Services specializes in the following personal California Insurance: Medicare, California Health Insurance, California Renters Insurance, California DUI Auto Insurance, California Home Insurance, California Dental Insurance, and California Renters Insurance. You can call us at (760) 975-9554, email, fill out a quote form, or drop by our office. No appointment is necessary; we will help you.

Del Dios Insurance Services specializes in the following California Business Insurance: California Workmen's Compensation, California Group Health Insurance, California Commercial Auto Insurance, California Dental Insurance, and California Business Insurance. Regardless of what part of California you conduct business, we can help. Call us or fill out the free online quote form and we will help you. If you have a large account and you would like to meet on a personal basis, we can help. For, we are willing to meet with you at your desired location. Call us at (760) 975-9554.

A Commitment to Quality Representation

Del Dios Insurance Services Offers You:

Personal service from a friendly, knowledgeable staff.

You are our customer. Meeting and caring for your needs and minimizing the risk of loss and its impact on your family or business are our main concerns.

Expertise and coverage recommendations.

California insurance requires choices, and choices require guidance. We provide the coverages and optional choices you need. One of our highly skilled and licensed, insurance expert agent's will be there to explain those options and provide assistance in selecting and securing coverage.

Annual reviews to keep your coverage current.

Insurance needs change as your life changes. We recommend an annual review to make sure your coverages are adequate and kept up to date.

One agency to handle all your insurance needs.

We are a full-service multi-line agency. We can assist with your California Auto, Home, Life, Workers Compensation, Renters, DUI, Business and Heath Insurance needs in addition to other specialty coverages and services!

Service - A return on your investment.

Insurance is an investment. You expect quality and value for your premium dollars. That is what you will get - customized coverage accompanied by excellent service through professional, knowledgeable and responsible agents.

A Message From The Owner

Thank you very much for allowing Del Dios Insurance Services and myself the opportunity to explain your choices and provide you guidance on your insurance needs.

Del Dios Insurance Services specializes in serving families and businesses who take their finances seriously. I believe you deserve an insurance professional who will work as hard as you do to protect your family, business and their financial health. My agencies first obligation is to help you avoid financial surprises and make sure you and your family and California Business are fully protected and properly insured.

Deciding where to put your trust is becoming more complicated every day. Here at Del Dios Insurance Services, we know that your insurance needs are unique and so are your requirements for insurance coverage, products and services. At Del Dios Insurance Services, our customers are like family. We give you our best and take great pride in the service we provide. When you are insured through our agency, you can count on over 40 years of combined California Insurance experience and the support of a knowledgeable group of insurance professionals every step of the way.

I promise that Del Dios Insurance Services will do its best to provide you with the most professional service and the best coverage for your insurance dollar. Our goal is not only to give you superior service, but also peace of mind.

"Kaiser," "Kaiser Permanente," "Kaiser Foundation Health Plan" and the Kaiser Permanente Logo are registered service marks of Kaiser Foundation Health Plan, Inc., in the United States and other countries.

This web site is owned and maintained by Del Dios Insurance Services, which is solely responsible for its content. This site is not maintained by or affiliated with Kaiser Permanente, and Kaiser Permanente bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to Del Dios Insurance Services, and cannot be used to contact Kaiser Permanente.

Top 13 California Auto Insurance Questions

1. Do I Need Auto Insurance In California?

   No! However, you must maintain financial responsibility on your vehicle; otherwise, you may be subjected to: a citation by a peace officer with a fine up to $1,000; your car may be impounded; you may be held liable for damages if you contribute to the cause of an accident and may have to compensate the injured party; vehicle registration may be suspended.

   You can drive without auto insurance in California, however; you are required to maintain another form of Financial Responsibility Filing.

2. What is a Financial Responsibility Filing?

   California has a Financial Responsibility Law which requires every driver to carry written proof of one of the four types of financial responsibility filings:

   1. Automobile Liability Insurance
   2. $35,000 Bond
   3. $35,000 Cash Deposit
   4. Certificate of Self Insurance

   If you are involved in an auto accident and are found to be at fault, you may be held liable & financially responsible for damages such as bodily injury, property damage or both. So, if you are found to be financial responsible for the accident, there is a means to pay the injured party.

3. Why Do I Need Auto Insurance?

   The truth is you don't need to have auto insurance if you choose to have one of the other three financial responsibility filings. Yet, auto insurance is the most common form of meeting California's financial responsibility filing requirement. Other then fulfilling California's financial responsibility requirement, auto insurance is good to have because it will protect you, and it will protect your car.

   Auto insurance will protect you if you cause an accident. If you cause an accident that hurts a person(s) and causes damage to his or her vehicle, your insurance policy is going to reimburse for damages caused. Without insurance, assuming that you have no other financial responsibility filing, you will be responsible to pay for the damages that have been caused. And more than likely, you will be sued.

   As well, if you have chosen the available convenience coverages options of your car insurance, such as comprehensive, you will also have vehicle protection due to theft, vandalism, and others.

4. What Is Auto Insurance?

   Auto insurance is one of the four financial responsibility filings acceptable in California, yet it is much more as well. There are many ways to try to understand what Auto insurance is, and through my experience, I have found that California Auto Insurance is best explained in two parts, the essential coverages, and the convenience coverages.

   The Essential Coverages are:
   Liability
   Property Damage
   Uninsured / Under Insured Motorist Bodily Injury

   The Convenience Coverages are:
   Uninsured / Under Insured Motorist Property Damage
   Comprehensive
   Collision
   Towing & Road Side Service
   Rental Vehicle
   And Other Options

   Another way of looking at it, auto insurance is designed to protect you from financial loss if you are involved in an accident regardless of fault.

5. How Does California Auto Insurance Work?

   Car insurance in California works similarly as other insurance products. Insurance is used as a way to transfer risk from the insured (you), to the insurer (insurance company). You pay a premium to the insurance company, and in exchange, the insurance company promises to protect you to the extent of the policy coverage.

   Specifically, California Auto Insurance helps you in two different ways: It protects you from the consequences of your actions effecting others, and auto insurance protects you from the consequential actions of others upon you.

   In other words, Auto Insurance does not protect you from getting into an accident but rather after the fact. For example, if you cause an at fault accident, you are responsible for the damages incurred on the other party. Insurance comes in to effect and will begin processing to cover damages you have caused to the other party up to the policy limits you have selected. If the damages inflicted on the other party are greater than the policy limits that you have selected, you will be responsible to indemnify the injured party and may be subject to litigation.

   As well, if another person causes injury to you, your passenger(s), your vehicle or all three, the insurance company of the perpetrator is required to indemnify damages inflicted to you, your passenger(s), your vehicle or all three up to the coverage levels that he or she has selected. If the damages inflicted to you, your passenger(s), your vehicle or all three, are greater than the limits that the perpetrator has selected, he or she will be financial responsible to compensate for losses incurred.

6. How Does an Insurance Company Come Up With the Premium?

   There are several different factors that may be used by California insurance companies to determine rating. For example, the type of vehicle you drive, or whether you live downtown or in the desert. But the main ratting factor is determined by Prop 103. According to Prop 103, which was passed by California voters on November 8th, 1988, dictates that personal automobile insurance shall be determined primarily by:

   • Insured's Driver Safety Records
   • Number of Miles Driven Annually
   • Insured's Number of Years Driving
   • Other...

   Prop 103 forces insurance companies to put major emphasis on miles driven rather than where you live. By doing so, regardless if you live in the desert or downtown Los Angeles, you should not be discriminated. The individuals living in downtown Los Angeles should not be charged more even though the chance of getting into an accident is greater due to the hustle and bustle and the population percentage is exponential to that of to the clandestine, rural, desert population. It appears that Prop 103 was designed in order not to discriminate, but is it not in fact reverse discrimination?

   In 1927 an insurance company was formed to give rural drivers a better rate. This insurance company is now the largest insurance company in California. Maybe we should take a closer look at Prop 103 and reevaluate its effectiveness to save us money.

7. How does my Driving History Effect the cost of my Insurance here in California?

   Your driving history effects the cost of your California insurance by the way of driving experience and driving record.

   First, if your driving experience is relatively short then you are lacking in driving experience. And, if your driving experience is short, the insurance company in California may charge you a higher rate than an individual with many years of driving experience. A short or nonexistent driving experience will drive up the cost of your insurance in several ways.

   Foremost, if you do not have a California driver's license for at least three years, Prop 103, allows insurance companies to increase your premium up to 20%. You are not eligible for the California Good Driving Discount regardless of how many years of driving experience you have in another state.

   Subsequently, since experience plays a key role, if you are a brand new driver, regardless if you are over twenty five years old, you will be charged the same amount of premium as a sixteen year old. You are not eligible for the California Good Driving Discount.

   Another way of looking at it, though not always the case, but often, the insurance companies would like to charge you less, but they are bound by laws that force them to charge you more. The good part is that California insurance companies often find ways to help the consumer to make the premiums more affordable by providing discounts.

   For example, some California insurance companies are able to give new California residence with good driving records a break by giving them the California Good Driver discount after having a California drivers license for one and a half years.

   As well, some California insurance companies like to give families a break by offering an inexperience driver discount to the teen who just received his or her driver's license. The teen must complete a required course to obtain this discount which not only helps the new teen driver, but relieves a good deal of financial pressure.

   Second, if your driving record is not clean, but riddled with an accident, ticket, a hit and run or two, the car insurance company can charge a higher rate. The reasoning is simple, if you have multiple tickets the California insurance company increases the premium because you drivers safety level is not so safe. If you continually keep running a stop sign, your chances of causing an at fault accident greatly increases.

8. Do I need a California License to get Auto Insurance in California?

   No! Some insurance companies will insure in California if you have an out of state license, international drivers license, suspended license, or no drivers license at all. This does not mean that California does not require you to have a California drivers License. In fact, if you decide to become a state residence of California, California requires you to get a California drivers license within ten days.

   Though some California insurance companies will insure you even if you have an international drivers license, suspended license, or no drivers license at all, more than likely you will be charged a higher premium than if you did have a valid California drivers license. The insurance company will not be able to check your driver's safety level, and you will not be eligible for the good driver discount.

9. If I am killed in an Auto Accident, will my Auto Insurance Policy Cover me?

   The Medical Coverage is not designed to be a life insurance policy. Yet, if you have coverage E, Medical Coverage, on you California car insurance policy, it may pay for funeral charges. Please see your policy or ask your agent for exact details as to the extent of the medical coverage.

10. What is a Car Insurance Premium?

    The premium does not mean that this is the total amount of insurance that you pay for your policy term. There may be a State Charge, a Policy Fee, Service Charges, and more in addition to the premium.

    A car insurance premium is what the insurance company charges you, the insured, for the amount of coverage you have selected.

11. What is ACV?

    ACV stands for Actual Cash Value. The actual cast value is determined by subtracting depreciation from the determined replacement cost of your car. More than likely, your California auto insurance policy will use actual cash value to replace you car in an event of a total loss.

12. What does 15/30/5 mean?

    This is the California State Minimum insurance requirement. If you choose your financial responsibility filing to be insurance, the state of California will require you to have a minimum of at least 15/30/5; in other words, $15,000 / $30,000 / $5,000.

    It's broken up into three parts, because it has three different meanings, yet the first two parts $15,000 / $30,000 are in relation to each other while the other $5,000 is not. In other words, the first two parts 15/30 is in relation to liability, and the third part, 5, is in relation to property damage.

    The first part, $15,000 is the maximum limit the insurance company will pay per person in the event of bodily injury.

13. What is Full Coverage?

    If you have full coverage with the California State minimum requirements, are you fully covered? Can you have full coverage, but not be fully covered? Actually, what is full coverage?

    The truth is, full coverage is not an actual coverage at all, nor is there an exact universal meaning for the phrase full coverage either. To some, I have found, it means having the minimum requirement that satisfies California's state minimum requirements. Yet, to others, I have found it means having comprehensive and collision coverage along with the California state minimum requirements. But, if there are other optional coverages beyond having comprehensive, collision, and California State minimum requirements, what then? The truth is, full coverage seems to be ever relevant in change in accordance to individual user's intended meaning.

    Getting back to my point earlier, if you have full coverage with the California State minimum requirements, are you fully covered? If your chance of using your insurance was an absolute zero, this would be the case. But since most of us live in reality, regardless of what optional coverages you have, if you carry only state minimums, you are more than likely not fully covered.

Del Dios Insurance Services
Provides Insurance For The Listed Zip Codes, Cities, and Area Code

We insure but are not limited to the following commercial insurance:

DEL DIOS INSURANCE SERVICES
Protection & Wealth Accumulation
7330 Engineer Road Suite B
San Diego, CA 92111
Office: 760.975.9554 or 858.740.6640
Fax: 866.800.6327
Email: info@fast2insure.com