San Leandro, CA Oakland, CA San Mateo, CA Hayward, CA Car Insurance Basics

 Have you ever seen a Car Insurance advertisement on TV?  Really?  Only about 50 a day!  What do these ads preach? Give us a call and save money on your car insurance.  Okay, let’s do it!  Yep, it gets people’s attention.  The problem with buying insurance based on the price is that most of the time, you get what you pay for – but what does that mean?  It means to get a lower price coverage may not be included that you want or need!

Let’s go over the basics, then you can decide what coverage you want or need.  THEN it’s okay to shop for the best price!

Limit of Liability – this the amount of insurance you buy in case you are considered to be at-fault in an accident.  It covers the cost of bodily injury and property damage to others.

Collision Coverage – This covers your vehicle for damage that occurs while your vehicle is being driven.  If you have a loan on your vehicle, you will likely need to carry this coverage.

Comprehensive Coverage – This covers theft or damage to your vehicle at all other times than when it is being driven.  If your vehicle is vandalized, broken into, hit by a falling tree, or stolen it will be covered if you have Comprehensive on your policy.

Deductible – there is a deductible on your comprehensive and collision coverage.  The deductible is the amount you pay toward the loss.  So, if your car is broken into and you have a $250 deductible, the insurance company will pay for repairs exceeding $250.

All of these items affect your premium, so we recommend you decide the limit of liability and whether or not to purchase comprehensive and collision coverage at deductibles that you are comfortable with before looking for the lowest price.   Call us today and we will be glad to help!