Insuring an electric vehicle (EV) involves different considerations that extend beyond those of a traditional gas-powered car. If you’re one of the many California drivers who now have an electric vehicle, you’ll need an auto insurance policy that takes into account the different considerations that EVs present. Here’s how to go about finding such a policy.

Use an Independent Insurance Agent

Seek the assistance of an independent auto insurance agent. Independent agents can compare policy types and premiums from multiple insurance companies to find the best options for their clients. While this is a good practice anytime you’re getting insurance, it’s especially important when insuring an EV.

EVs continue to evolve, and insurance companies are adjusting their policies accordingly. Not all insurers are making the same coverage or premium adjustments, however. Working with an independent agency like us, Crown Reinas Insurance Agency, makes it easy to compare what different insurers are offering.

Consider Full Coverage

While state law in California only requires basic liability-only auto coverage, the high repair costs of EVs make full coverage highly advisable. Full coverage includes collision and comprehensive coverage, which helps pay for damage to your EV, something that liability-only doesn’t do. EVs are packed with sensitive sensors, cameras, and specialized glass that can be expensive to replace after a minor accident or a non-collision event, such as theft, vandalism, earthquakes or floods.

Make Sure the Battery Is Covered

One of the most expensive components of an EV is its battery. When selecting a policy, verify that battery replacement is covered in the event of an accident. This is a feature that many, but not necessarily all, insurance companies provide as standard protection. We regularly check this when helping EV drivers with their auto insurance purchase.

Work With a Knowledgeable Insurance Agent

If you have a new-to-you EV, reach out to Crown Reinas Insurance Agency for assistance with finding an auto insurance policy that protects your investment. We’ll explain coverages, compare rates, and help you make an informed decision.