Text UsPERSONAL AUTO INSURANCE
Street Smart Insurance Solutions is a Buena Park insurance brokerage. We help California drivers compare available auto insurance, understand liability limits and deductibles, and start a no-obligation quote in English or Spanish.
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Liability-only from $65/mo Rates vary by driving record and vehicle.
Serving California since 2011. 340+ five-star Google reviews. Street Smart Insurance Solutions, Inc., CA License #0H58320. Call or text (714) 736-9048.
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Text Street SmartCalifornia requires financial responsibility for vehicles that are driven or parked on public roads. Most drivers meet that rule with a motor vehicle liability policy. The California DMV also accepts certain approved alternatives, such as a cash deposit or a surety bond.
For a standard auto policy issued or renewed on or after January 1, 2025, the current minimum liability limits are:
These limits are commonly written as 30/60/15. They replaced the older 15/30/5 minimums ($15,000 / $30,000 / $5,000) on that date, under Senate Bill 1107.
Liability insurance may help pay covered injury or property-damage claims you are legally responsible for causing to other people. It generally does not repair your own car or pay for your own injuries. Comprehensive or collision coverage, by itself, does not satisfy California’s financial-responsibility requirement.
You should carry evidence of insurance in the vehicle and be ready to show it to law enforcement, when you renew registration, or if you are in a collision. If the DMV does not receive proof of insurance for a vehicle, it may suspend the registration. The DMV says the vehicle may not be operated or parked on public roadways until proof is submitted.
The legal minimum is a floor, not a promise that it will cover the full cost of a serious accident. If covered damages are higher than the policy limits, you may be personally responsible for the unpaid amount. For a plain-language walkthrough, see California DMV auto insurance requirements, what liability insurance covers, and how much car insurance you may need.
A coverage name is only a starting point. The declarations page, policy language, limits, deductibles, endorsements, and the facts of a loss control what may apply. We can help you compare the options that may be available for your situation.
May help pay covered claims when an insured driver is legally responsible for injuring another person or damaging someone else’s property. It may also provide a legal defense for a covered claim, subject to the policy. It generally does not repair your own vehicle.
May help when an at-fault driver has no liability insurance, or not enough insurance, to pay covered injury damages. In California, a bodily-injury liability policy generally must include this coverage unless you and the insurer agree in writing to delete it or to carry a lower amount, subject to the rules in the Insurance Code. Review the coverage and limits before you decide. See uninsured motorist coverage in California.
May help pay for covered crash damage to your insured vehicle, usually after a deductible. It is commonly used for damage to your own car, including an accident you cause, subject to the policy.
Sometimes called “other than collision.” May help pay for certain non-crash losses to your insured vehicle — such as theft, fire, vandalism, hail, falling objects, or contact with an animal — usually after a deductible.
Optional coverage that may help pay certain medical expenses for you or your passengers after a covered accident, subject to the limit and the policy terms. It is not a substitute for health insurance, and Street Smart does not sell health insurance.
Optional coverage that some insurers offer. It may help pay for a temporary replacement vehicle while your insured car is unavailable because of a covered loss, usually with a daily and total limit. Availability and terms vary.
Optional: not included automatically, so ask us to add it.“Full coverage” is informal shorthand. People often use it to mean liability plus comprehensive and collision. It is not a standardized California coverage, and it does not mean every loss is covered.
If you finance or lease a vehicle, the lender or leasing company commonly requires comprehensive and collision, and may set a maximum deductible. Street Smart does not offer gap coverage. If you have questions about what a lender is asking for, we can help you read the request and point you to our financed-car and full-coverage on a financed car guides. A fuller glossary is in California auto insurance terms.
An SR-22 is not a special kind of insurance policy. It is a California Insurance Proof Certificate. When the DMV requires one, your insurer files it to show that you have qualifying liability coverage and that the company will report if that coverage ends.
Not every ticket or suspension requires an SR-22. Follow the official DMV notice for your case. Filing the certificate may be only one part of reinstatement; other requirements, fees, or waiting periods may also apply. Buying a policy or filing an SR-22 does not, by itself, restore a driving privilege. Confirm your status directly with the DMV before you drive.
If you do not own a car, a non-owner policy with an SR-22 filing may be an option when the DMV requires proof and you do not own or regularly use a vehicle. Tell us about every vehicle you own, store, borrow, or use, because regular access can affect eligibility.
How long the filing must stay in place depends on why it was required and on the instructions on your DMV record or notice. In some insurance-related DMV actions, proof must be maintained for three years, and a lapse can lead to a new suspension. That is not a universal rule for every case. Do not cancel or change coverage based only on a general timeline. Confirm the end date with the California DMV and your insurer.
We can help you look at owner or non-owner options that may be available, including after a DUI, a lapse, or a canceled policy. Availability and price depend on underwriting. Start with SR-22 insurance in California or read what an SR-22 is and non-owner SR-22 insurance. If you are dealing with a DUI, see insurance after a DUI.
We do not advertise a list of guaranteed discounts. What an insurer may credit, and whether you qualify, depends on that company’s approved rating plan.
In California, insurers must give the greatest weight to your driving record, then to annual mileage, then to years of driving experience. Other approved factors, the vehicle, where it is kept, the coverage you choose, and the deductible can also affect the price. Compare quotes that use the same limits and deductibles. See what determines your car insurance rate.
Practical steps that may help, depending on the insurer and your situation:
You can start with what you know and add the rest later, with your representative if needed. It usually helps to have:
Street Smart works with a range of driving records and situations, but no agency can promise that a particular policy, price, or start date will be issued. What is available depends on complete information, insurer underwriting, payment, and the markets we can access.
We are based at 6881 Stanton Ave, Suite C-2, Buena Park, CA 90621, and we help drivers throughout California. Start here if you are in or near Buena Park, or see auto insurance in Buena Park. Nearby city pages include Fullerton, Garden Grove, Stanton, La Habra, La Mirada, Whittier, Santa Ana, Norwalk, Downey, and Los Angeles. Browse all locations from California insurance.
Usually your contact information, the drivers, the vehicles (year, make, model, and VIN if you have it), the address where the car is kept, and the coverage you want. You can start with what you know and complete other details later.
For standard auto policies issued or renewed on or after January 1, 2025, the minimum is 30/60/15: $30,000 for injury or death to one person, $60,000 for more than one person, and $15,000 for property damage. Those limits replaced the older 15/30/5 minimums. Liability may help pay covered harm you cause to others; it generally does not repair your own car.
No. California requires financial responsibility, which most drivers meet with liability insurance. “Full coverage” is informal shorthand, often meaning liability plus comprehensive and collision. A lender or lease contract may separately require comprehensive and collision.
Only if the California DMV (or, in some cases, a court) requires the filing. An SR-22 is a proof certificate, not a separate policy. The required period depends on your official notice. If you do not own a car, ask about a non-owner policy.
Yes. Requesting a quote has no cost and no obligation to buy a policy.
Some companies may consider other valid forms of identification. Availability depends on the company, the driver, the vehicle, and underwriting rules.
In many cases, some companies may offer a same-day effective date after receiving a complete application, the required documents, underwriting approval, and the applicable payment. Availability is not guaranteed and varies by company, product, and the applicant’s circumstances.
Tell us. A personal auto policy often does not cover that use. We can help you look at the options that may be available. See our rideshare and delivery guide.