We are your San Diego, California Auto
Insurance experts. We shop dozens of auto insurance
partners to find you the best combination of coverage
and price. So you never have to sacrifice one for the
other. Because we are an independent agent appointed
to represent over 30 carriers including Mercury,
Allstate, Progressive, MetLife, Travelers, Safeco, The
Hartford, and more, you can be assured that we are
going to provide the highest level of coverage at the
most competitive rates.
Bodily Injury and Property Damage Liability:
Liability coverage pays for bodily injury and property
damage that you cause in an accident. Don't get caught
short by reducing your liability limits to the state
minimum (CA 15/30/5). Buying more coverage might seem
like an odd way to save, but the benefit comes if you
have a costly claim, which can put your personal assets
at risk. Buy standard 100/300/100 coverage, which pays
for bodily injury up to $100,000 per person and $300,000
per accident, and property damage up to $100,000. If
you have a high net worth, boost your bodily injury
to $250,000 per person and $500,000 per accident, you
should also talk to your agent about adding an Umbrella
policy to supplement your liability coverage.
Uninsured Motorist Bodily Injury &
Property Damage Coverage:
The recession has prompted unemployed consumers to go
without insurance. One of every six drivers today may
be uninsured according to the Insurance Research Council.
Without this coverage, if you are hit by an at-fault
uninsured driver you will have to pay for repairs to
your vehicle out of your own pocket and sue the at-fault
driver for damages. Protect yourself by buying uninsured/underinsured
motorist protection with the same limits as your liability
Think carefully about medical coverage. You may not
need it if you have good health insurance, but keep
or add it if you don't or if your usual passengers might
not be well insured.
A higher deductible reduces your premium because you
pay more out of pocket if you have a claim. Raising
your deductible from $250 to $500 can cut your premium
on collision by 15 to 30 percent. Go up to $1,000 and
you could save as much as 40 percent. If you have a
good driving record and haven't had an at-fault accident
in years, if ever, opting for a higher deductible on
collision might be a good bet. Just make sure you can
afford to pay it if your luck runs out.
When is it time to delete your Comprehensive
& Collision coverage?
You can probably cancel your collision and/or comprehensive
coverage when the annual cost of the vehicle's insurance
equals or exceeds 10 percent of your car's book value.
Otherwise, you could end up paying more over time than
you would recoup for repair or replacement of your damaged,
stolen, or totaled vehicle.
Rental-Reimbursement: In the event
of an accident or theft of your vehicle. If you have
another car that you can use while your vehicle is being
repaired or searched for, you don't need to pay for
rental-reimbursement coverage. But take these events
into consideration if you do not have another car readily
available. For a minimal fee per year, rental-reimbursement
coverage may be much more convenient then public transportation
or borrowing a friend's car.
Towing & Roadside Assistance:
If you have an auto-club or another similar membership,
you shouldn't double pay by purchasing towing and/or
roadside assistance. Towing and roadside assistance
are different and vary by carrier. Purchasing towing-reimbursement
will normally reimburse you up to $75 for towing related
fees. Roadside Assistance can cover Emergency Towing
to the nearest qualified repair facility, Flat Tire,
Lock out, Dead Battery, and even Essential Fluids (running
out of fuel). Roadside assistance is worth its weight
in gold when the unexpected strikes.
Ask about Discounts:
Discounts are designed to attract the business of lower
risk drivers. Those drivers include students with good
grades, new drivers who have taken a driver-training
course, older drivers who have taken a refresher course,
and members of AAA, or affinity groups such as college
graduates and alumni, credit union members, and for
certain occupations and professions. Antitheft and safety
equipment can also get you a discount. Insurers also
offer discounts if you buy your homeowners, renters,
life insurance or specialty lines policy (Motorcycle/ATV,
Boat, RV) from them. But be sure you check out the total
costs both ways. Check your premiums from different
insurers combined compared with single insurer packages.
for more information