If your car is damaged on the road or destroyed due to theft, weather, or another incident, the right San Diego auto insurance policy gets you driving and on the road again in no time at all. Additionally, auto insurance policies provide protection against legal and medical expenses that happen when your car is involved in an accident.
In California, if you operate a motor vehicle, you must have auto insurance. The premium you pay determines the coverage you get and keeps your road legally drivable. Many people think they know everything there is to know about auto insurance, but there’s always more to learn. When your auto insurance policy is up for renewal, get in touch with California Brokerage Insurance Associates to find the best vehicle insurance.
The amount of coverage each person needs for California car insurance varies based on certain variables. Auto insurance requirements vary by state, but in general, you must have liability insurance to pay for any damage you do to another car while driving. Additionally, drivers need no-fault coverage. Having liability and no-fault coverage is non-negotiable.
While the minimum coverage keeps premiums low, we encourage drivers to consider adding coverage that protects assets and helps replace a vehicle should it become damaged during an accident. Full coverage insurance protection includes the following:
Collision Insurance: This coverage pays to repair your vehicle if it’s involved in an auto accident. With standard collision coverage, the insurance company pays for repairs that don’t exceed the fair market value of the car. When you have collision insurance, you have a deductible that you must pay before the insurance coverage kicks in. This is in addition to your yearly premium. The lower the deductible, the more collision coverage costs.
Comprehensive Insurance (non-collision): When you have comprehensive coverage, you are protected from theft, vandalism, and acts of nature. Comprehensive car insurance is not required, but it does help you repair your vehicle with the only out-of-pocket cost to you being the deductible. If you finance your vehicle, comprehensive insurance is usually required.
All drivers have unique insurance needs. To find the best deals on San Diego car insurance, get in touch with our insurance professionals today. Let our team go to work for you.