Some people believe that auto insurance is just a commodity - it isn’t.
All too often, drivers do not discover the importance of having adequate limits in place until after they have an accident. We all want to save money where we can, but trying to cut corners on your insurance coverage will cost you much more in the long run if you have an accident and the other person sues you for more than your insurance limits.
Don't think for a minute that the other person's lawyer will only try to cash in on your limits or believe for a second that "you can't get blood out of a turnip. Many people are making monthly payments - for the rest of their lives - to people that a court says they have harmed.
Thankfully, there are still some good ways to keep costs down; many factors such as your driving record, type of vehicle and vehicle use may provide discounts. Most auto insurance carriers also offer many other discounts. Depending on the carrier, this could include a discount for owning a home or a discount for payment in full. As your agent, we will seek out these discounts because it is our job to make sure you have the best possible protection at the lowest premium available.
Another way for us to ensure that you have the best protection at the lowest premium available is to examine your necessary coverage levels. There are several different levels of coverage that make up an auto policy:
- Bodily Injury Liability: Provides coverage to an accident victim in the event of a law suit and is required by the State of California
- Property Damage Liability: This covers the cost of any damage that your vehicle causes to another person’s property. While this usually refers to the other vehicle involved in an accident, it can also include damages to houses, garages, and anything else that counts as property.
- Uninsured / Underinsured Motorist: This pays for the damages that result from an accident caused by an uninsured motorist. This also pays for damages which cost more than an underinsured motorist’s coverage can pay for. Typically, this is a medical and financial loss.
- Collision: Covers damage done to your vehicle when it collides with another vehicle or object.
- Comprehensive: Covers damage to your vehicle resulting from something other than a collision. Examples for this would be hitting a deer, broken windshields, theft or flood.
- Other Miscellaneous Coverage: This varies depending on the insurance provider and your state of residence.
As independent agents we can provide you with literally hundreds of combination's of coverage from several different insurance carriers. We are not limited to just one insurance company or one State, so, please: Contact us today! As your insurance agent, we will provide you with a free, written analysis of the best coverage at the lowest possible premium.