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Auto Insurance isn’t just a good thing to have to protect you financially in the case of an accident – in many states it’s required.
All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.
Make sure you understand what these terms mean and how much coverage is right for you.
Picture it: the red and blue lights flash in your rearview mirror. Maybe you’re pulled over for speeding. Perhaps you’ve just been in a fender bender. No matter what state you’re in, the police officer asks for the same things: license and registration. Whether it is your fault or not, you need to have auto insurance. Not just because it’s a good idea. And not just because it will save you a ton of money in the end. But because it is the law. In every state.
There are major consequences when it comes to being uninsured. Penalties can range anywhere from fines and license suspension to vehicle impoundment and even jail time. In the state of California, you can pay up to $200 in fees as well as have your license suspended if you are caught without auto insurance. You will also have higher insurance rates and premiums if, for example, you wreck while uninsured. But beyond the legality of auto insurance, it’s important that you have the right coverage for your needs. This will help save you a ton of money down the road.
For example, auto insurance not only covers you in the case of a collision, but it can also help cover costs in case the other driver doesn’t have insurance. That’s called uninsured/underinsured motorist coverage. You can also choose coverage based on what is important to you. For example, you can save money with a good general liability coverage. You can also choose personal injury protection which would help cover medical expenses in the case of a crash.
But no matter what, all auto owners must have a form of auto insurance. Choosing the right coverage depends on a number of things including the assets you want to protect and how much your vehicle is worth. You’ll want to work with an insurance provider that has a wide variety of coverage and who can walk you through the right kind of coverage for your needs.
Number 1 Insurance is an auto insurance provider working within the Huntington Beach area. We can walk you through auto insurance laws in California as well as discuss the pros and cons of each plan, so you feel good about the coverage you choose.
Need basic auto insurance? Interested in more protection? Give Number 1Insurance a call today and we can help you figure out the right auto insurance plan for you!
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.