In California, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded.

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and budget.

Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for discounts based on safety features on your vehicle. Farmers also offers an Annual Policy which keeps your rates stable for the entire year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore, with the FarmersFlex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you insure additional cars or your home with Farmers you can save on all your premiums. For further information, contact the O. Jones Agency.

The O. Jones Agency can offer you insurance coverage to meet your auto, home, life and small business insurance needs, simplifying your life and enabling you to save with multi-line discounts. Our agency can talk to you about which discounts you may be eligible for. Farmers is committed to serving the needs of its customers, with unparalleled customer and claims service.

In California, you are eligible for a variety of auto insurance discounts. To find out what's available, contact O. Jones Agency.

Farmers currently offers discounts for:

• Professional Groups (e.g. Police, Firefighters, Doctors, Teachers, etc.)
• Retired Professionals
• Homeowners
• New Parents
• Good Students
• Teens with Y.E.S. Driver Training
• Alternative Fuel vehicles (e.g. Hybrids)
• Air Bags
• Two or More Automobiles
• And more!

Liability insurance coverage helps you to protect you and your family against financial loss arising from legal liability associated with bodily injury or property damage of another due to an accident you cause. Most states require you to carry a minimum amount of liability insurance coverage, or post a bond, before you can register your vehicle or obtain a driver's licensee.

• Bodily Injury
  Bodily Injury coverage covers the expenses associated with other people's injuries or death for which you are legally responsible. Coverage includes medical expenses, loss of income and pain and suffering. These coverages are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage.


• Property Damage
  Following an accident for which you are legally responsible, Property Damage covers your liability for damaging another person's personal property, such as an automobile, house or fence.

Collision coverage covers the damage to your vehicle resulting from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible you select. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

Comprehensive coverage protects your investment in your vehicle by covering losses to the car resulting from fire, theft, falling objects, riots, storms, earthquakes, floods, collision with a bird or animal and other natural occurrences. Like Collision coverage, Comprehensive coverage generally includes a deductible which you select. Comprehensive coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

Under the Comprehensive and Collision portion of your car insurance policy, optional equipment (a CD player or navigation system) is automatically covered if it is permanently installed in the opening of the dash where the manufacturer would normally install such equipment.

This coverage pays medical bills and funeral expenses for you or a passenger injured in an accident while riding in your vehicle. Coverage extends to you or a family member when riding as a passenger in someone else's vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy.

California is a no-fault state and your own insurance company indemnifies you for any loss or injuries to you, no matter who causes the accident. In general, no-fault can limit your right to sue to recover damages. Also, Personal Injury Protection (PIP) is required in California. PIP covers a broader range of medical costs than standard Medical Payments coverage. It covers lost wages and the replacement of the services of someone injured in a covered accident.

Uninsured Motorist coverage covers you, insured members of your household and your passengers in an accident with a motorist who has no insurance or is underinsured. It also provides coverage if you're hit by a hit-and-run driver and applies to you and the insured members of your household, even as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. It is required in many states. This coverage typically covers any difference between what the other at fault driver's insurance covers and the costs of your bodily injuries, up to the limits of the policy.