Driving is such a normal part of daily life that a lot of people don't think twice before hitting the road. That being said, it's important to have the best auto insurance in San Diego, CA. Whether you've just purchased a new car or you're looking at getting a cheaper rate on your monthly insurance payments, it's a good idea to research your options and look at all the details before deciding. Sometimes it may seem like the easiest and cheapest solution to just buy the minimum coverage, but there's actually a lot more that goes into it. Here are a few reasons why minimum coverage auto insurance isn't necessarily your smartest option, and why paying a bit more could save you in the long run.
Unexpected Accidents
One of the major concerns for any driver on the road is unanticipated accidents. You never set out with a plan to get in an accident, but these things can happen when you least expect them. If you only have minimum coverage, you may not be protected in the event of an at-fault collision. That means you have to pay out-of-pocket for all those repair costs, which could be a huge dent in your budget. You may be better off choosing a plan with adequate collision coverage, even if it costs a bit more every month. A lot of drivers feel that it's money well spent. It's certainly nice to know thousands of dollars in repairs are taken care of by insurance, rather than coming out of your own pocket for something that may not have been your fault.
Uninsured Drivers
Choosing the minimum coverage may seem appealing if you're a safe driver who has a clean record, but you never know who is in the car next to you. Some minimum coverage policies don't offer reliable uninsured motorist coverage. That means a minor fender-bender with an uncovered driver could end up being your responsibility. It's a smart plan to look for a slightly higher level of coverage that protects against the risks of running into uninsured drivers or being hit by a vehicle that's without proper insurance coverage. Plus, not only are there the costs of fixing car damage, but there's also the cost of medical bills if the accident is serious enough for someone to go to the hospital. Their nonexistent coverage isn't going to do you any favors, and it's best to have a policy you can rely on in the event of an unfortunate incident on the road. The saying "rather be safe than sorry" rings very true for auto insurance.
Comprehensive Coverage
At the end of the day, auto insurance is there to protect you in case of an emergency. Hopefully, nothing will happen when you're behind the wheel, but you can never be too sure, and your auto coverage should back you up. The minimum level doesn't include the comprehensive coverage that so many drivers trust. This coverage offers protection in case of car theft, storm damage, or striking animals while driving. The basic coverage may seem okay until you end up in a sticky situation and are liable for a lot of repair costs. That's why more and more drivers are turning to an auto insurance policy that's comprehensive without being super expensive. Now that's the best of both worlds for drivers.
Contact California Brokerage Associates today to discuss your best options for low-cost auto insurance in San Diego, CA.