The following may help you make more informed decisions in choosing the right auto insurance coverage:

Liability Coverage is required by state law for all registered autos; however, the minimum required liability limits depend on your State's laws.  For example, California requires that your liability coverage includes a minimum of $15,000 of bodily injury coverage per person, $30,000 bodily injury coverage as a total per accident, and $5,000 of property damage coverage. 

Keep in mind that the minimum liability coverage may satisfy state laws, but may not be suitable for your needs.  You must be aware that any injury or property damage as a result of an accident in excess of your liability coverage limits may not be covered and may leave you responsible.  Raising liability limits can help you protect your assets against liability lawsuits.

Keep in mind that you can request higher limits of liability such as:

$15,000 bodily injury coverage per person / $30,000 bodily injury coverage per accident and
$10,000 property damage (abbreviated as 15/30/10)

or even

$100,000 bodily injury coverage per person / $300,000 bodily injury coverage per accident and
$50,000 property damage (abbreviated as 100/300/50)

Or anywhere in between.  We suggest contacting a licensed insurance agent for an auto insurance coverage consultation. (909) 868-0394.

Learn more about "Liability Coverage".

Medical payments portion of a car insurance policy is designed to pay some of the medical consequences that may result from an accident such as medical bills and/or funeral expenses up to the policy limit.

Most insurance policies do not provide large amounts of medical payments since most people carry health insurance either through private purchase or provided through work.

Most insurance policies provide medical payments in the range of $500 to $5,000.  The cost for this coverage in California may be in the range of $8 per month.

Learn more about "Medical Payments Coverage".

Uninsured motorists coverage not only insures against the "Uninsured motorist" but also protects policy owners against the "Under insured motorist".  Uninsured motorist is optional; However, it is recommended that it be added to a policy in the best interest of the insured.  The limits of Uninsured Motorist Coverage can vary, however; usually cannot exceed your liability insurance limits.

Cost for this coverage may be fairly inexpensive and is a good idea to quote for comparison purposes.

Learn more about "Uninsured Motorist Coverage".

If you want coverage to your vehicles in case of theft, fire, vandalism, collision with animals, windstorms, flying objects, hail, broken windows, and at fault auto accidents, then you want Comprehensive and Collision Coverage.

If you are financing your vehicle, your finance company may require Comprehensive and Collision Coverage.

Cost for this coverage varies depending on your vehicle.  Some vehicle makes may be have a higher replacement cost and may lead to higher insurance premiums.

Learn more about "Comprehensive and Collision" coverage and about choosing auto insurance deductibles.

Most insurance companies offer rental car reimbursement. Some insurance companies offer rental car coverage for as little as $2 per month.  There are limitations as to how much money per day they will reimburse and how many consecutive days.  This coverage is fairly inexpensive, feel free to quote it. 

Learn more about "Rental Car Coverage"

Who wants to be stuck in the middle of the road with no one to assist you?  Road Side assistance can range from $30-$100 per year.  It will be worth it in case of breakdown, lockout, flat tire, etc.

Learn  more about "Road Side Assistance"