Car insurance is not just about fulfilling legal requirements—it’s about protecting your future. Whether you’re commuting daily, running errands around town, or heading out for a road trip, the right coverage can save you from major financial setbacks in case of an accident or unexpected event.
We believe in making car insurance straightforward. We offer a wide range of coverage options designed to meet California’s legal requirements while giving drivers real peace of mind. Below are six essential types of car insurance coverage we offer—each tailored to match your unique lifestyle and driving needs.
As of January 1, 2025, California’s new minimum auto insurance requirements are:
This coverage pays for injuries or damage you cause to others in an accident. However, minimum limits are just that—minimum. In serious accidents, they may not go far.
At Circadian, we educate our clients about liability risk and help them assess whether higher limits make sense, especially if they have assets to protect. For residents searching for Auto Insurance in Brentwood CA, understanding liability limits is critical, not just for compliance, but for protection.
While liability covers damage you cause to others, collision coverage protects your own vehicle, regardless of who’s at fault.
If you collide with another car, hit a pole, or even roll your vehicle, this coverage kicks in to pay for repairs or replacement (after your deductible). It’s particularly valuable if:
At Circadian Insurance Brokers, we work with top carriers to secure collision policies that don’t break your budget, making sure your investment stays protected.
Comprehensive insurance covers vehicle damage from non-collision events, including:
Given California’s wildfire risks, especially in areas like Brentwood, having comprehensive coverage can be a game-changer. We help clients tailor comprehensive policies to include affordable deductibles and add-ons like glass repair or replacement.
This is one of the most commonly bundled options alongside collision, especially for newer or higher-value vehicles.
What happens if someone hits you and doesn’t have enough (or any) insurance? In California, roughly 16% of drivers are uninsured. Even more are underinsured.
UM/UIM coverage ensures you and your passengers are financially protected if:
Circadian strongly recommends this coverage to every client, especially those in areas with higher accident rates or uninsured driving, like certain parts of Contra Costa County.
It’s not required by law, but not having it can leave you exposed to out-of-pocket medical costs and vehicle repairs.
Even minor accidents can result in costly emergency room visits. Medical Payments coverage, also known as MedPay, helps cover:
This coverage applies regardless of who is at fault and is especially valuable if:
Circadian includes MedPay in many auto insurance packages as a low-cost layer of extra protection, often for just a few dollars per month.
While not part of the standard auto insurance policy, add-ons like roadside assistance and rental reimbursement can make a big difference in everyday life
For drivers in Brentwood and surrounding areas, where public transportation options may be limited, having a rental car available through insurance can be a lifesaver. Circadian helps drivers build packages that include these budget-friendly extras, so you’re never left stranded.
Let’s say you rear-end another driver at a stoplight. Without collision coverage, you’re on the hook for your own car repairs. If the driver you hit files a claim for neck injuries, the minimum liability limits might not be enough, potentially exposing you to personal lawsuits.
Now imagine a fire damages your parked car during a summer wildfire. If you only have liability insurance, you’re not covered. But with comprehensive coverage through Circadian, you’re protected.
So what makes us different?
For anyone looking for auto insurance in Brentwood, CA, we are the top brokers for personalized service and smart coverage.
There’s no one-size-fits-all when it comes to car insurance. Your needs may differ based on your car’s value, how often you drive, your risk tolerance, and your financial situation.
We make sure you don’t overpay—but also that you’re not underprotected. From legally required liability coverage to optional extras like rental car reimbursement, we guide you every step of the way.
If you’re unsure which types of coverage you need, or how much is enough, we’re here to help—no pressure, just real guidance.
