Auto Insurance
Auto Insurance – Los Angeles, California
Auto Insurance Coverage and Details
Your Personal Auto Premium depends on several important factors, including your age and marital status, where you live, what you drive and your driving record. Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify.
What is your car insurance actually covering? Although you are buying a single insurance policy covering a specific vehicle, a number of components make up the final cost.
Here are some things that could be covered by California Auto insurance:
- Bodily Injury Liabilty: This coverage pays for third-party personal injury and death-related claims, as well as any damage to another person’s property that occurs as a result of your automobile accident.
- Property Damage Liability: Covers damages to property that your car made in an accident.
- Medical Payments: Pays for injuries to yourself and others in your vehicle.
- Uninsured Motorist Protection: Covers injuries caused to you and others in your vehicle by uninsured drivers or hit and runs. (Almost 30% of drivers are uninsured)
- Collision Coverage: Covers damages to your car up to its value at the time. Collision coverage has a deductible, which is the amount per claim you have to pay out of pocket before the insurance takes effect. The higher the deductible, the lower the premium.
- Comprehensive: Secures damage to your car from vandalism, theft, and natural disasters.
Make sure that you review and understand your policy as it is a legal contract. If you have any questions about your policy, do not be afraid to ask your agent about its contents. If you plan well, you will be happy with the results, if you ever find the need to put your policy to the test by making a claim.
