Online Auto Insurance

What's the recommended auto insurance coverage?

• Personal Bodily Injuries - the best way to protect your injuries is to purchase a medical or health insurance policy. Better yet, if you already have one for you and your family through your employer. Auto insurance policies usually do not provide much medical coverage for the policyholders, for example, $5,000 max for the policyholder; not to be confused with liability coverage - provides (up to the policy limits) bodily injury coverage for injuries to others for which the policyholder is found liable as a result of an automobile accident. Keep in mind that you may suffer injuries from uninsured or underinsured people, in that case consider uninsured motorist for increased protection in a situation such as being hit by a driver who does not have an active auto insurance policy.
• Liabilities - in order to be protected in case you were to be found liable for someone else's injuries or property damage, you should consider purchasing liability protection as described above with limits suitable to your needs. Keep in mind that you may be able to raise the coverage limits for a small additional premium.
• Property damage or theft to your vehicle - consider purchasing comprehensive and collision coverage to protect against theft, vandalism, accidents, and other damages to your cars from a variety of perils.
• Transportation problems - when your vehicle is involved in an accident and inoperable or in repairs, having rental car coverage to help with the costs associated with renting an automobile.

An auto insurance policy cannot prevent automobile accidents from happening, but it sure can help offset some of the financial loss or burden that might result from an accident.  Another question to ask is: How much can I afford? Although the more protection the better, budget should also be a factor to consider. Be sure to be knowledgeable to make an informed decision.

Get quotes on auto insurance coverage:

Study the following to help answer the question: "What type of coverage do I need?"

Liability 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 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 Motorist 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".

Comprehensive and Collision 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.

Rental Car Coverage

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"

Road Side Assistance

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"