Who is Advice Insurance?
Advice Insurance is your go-to independent insurance agency. We work with a variety of trusted carriers to find the right coverage for your needs — whether it’s auto, home, or more. Once you purchase a policy through us, we act as your agent, handling everything from setting up your policy to assisting with changes, payments, and even cancellation warnings. You won’t have to deal directly with the carrier — we do that for you.
What happens after I purchase a policy?
Once your policy is set up, you'll immediately receive proof of insurance from our office. We then submit your application to the insurance carrier, who will mail your official policy documents and insurance ID cards within 7–10 business days.
You’ll also receive the carrier’s contact information, including:
- Their website
- Payment portal
- Claims hotline
We recommend bookmarking their site so you can download new ID cards, make payments, or file a claim whenever needed.
What is “full coverage” auto insurance?
"Full coverage" is a common phrase, but it doesn’t have a legal definition. It usually refers to a policy that includes:
- Liability coverage (required by law)
- Comprehensive and collision (to protect your own vehicle)
It can also include helpful optional coverages like rental reimbursement, uninsured motorist, roadside assistance, or medical payments. Be sure to review your quote or talk to your agent to understand exactly what’s included.
What’s required to legally drive in California?
California law requires all drivers to carry liability insurance with minimum limits of:
- $30,000 for bodily injury per accident
- $15,000 for property damage
If your car is financed or leased, your lender will also require comprehensive and collision coverage. Everything else — like roadside assistance or rental coverage — is optional.
What are optional auto insurance coverages?
Optional coverages enhance your protection and convenience. These include:
- Medical Payments
- Uninsured/Underinsured Motorist
- Rental Car Reimbursement
- Roadside Assistance
Some quotes include these, and some don’t. We’ll help you review the options so you can make an informed decision.
How do I make a change to my policy?
Need to add a driver, replace a vehicle, update your address, or make another change? No problem — you can take care of most updates online in minutes.
Just head over to our Customer Service page and select the change you need. One of our licensed agents will process it and email you updated documents right away.
Will my rate go up if I file a claim?
It depends on the type of claim:
- At-fault accidents over $1,000 will usually raise your premium at the next renewal.
- Not-at-fault accidents, parked vehicle damage, or comprehensive claims typically don’t affect your rate.
When in doubt, call us before filing — we’ll help you understand the impact.
Have another question?
We’ve got answers. Chat with our AI assistant or contact us anytime — we’re happy to help.