Do I need to have auto insurance if my vehicle is paid off?
Yes, it is the State law for all owners of a vehicle to have auto insurance. It is your choice if you wish to insure for physical damage if there is not a lender involved.
What is broad form collision and can I choose something different?
Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident. There are also options to choose “regular” and “limited”. These options should be discussed with your agent.
CA Dept of Insurance 0659943