Tap to call

Your Local, Independent Insurance Agency

Company News

Are You Cruising The Roads Underinsured?

Little & Sons Insurance Group / Personal Insurance  / Are You Cruising The Roads Underinsured?

Are You Cruising The Roads Underinsured?

auto insurance redlands ca

Tips For Choosing Appropriate Auto Insurance Limits

One of the hardest decisions when purchasing auto insurance is determining an appropriate level of coverage that will not only provide you with adequate protection, but keep your bank account stable as well.

One important area to understand is state limits. Each state within the United States has a required amount of auto insurance that one must hold in order to legally cruise the roads. However, just because you have purchased the minimum amount of auto insurance that is required in your state does not mean that you are protected to the fullest.

This is a common misconception amongst motorists as they assume that the best way to seek coverage is to obtain the state’s required limits, which unfortunately are not the most recommended. For example, in California, the minimum liability insurance includes $15,000 for injury/death of one person in an accident, $30,000 for injury/death of multiple individuals, and $5,000 for property damage. However, if you were involved in a serious accident involving multiple cars and injuries, the costs would likely far exceed these limits.

To combat this possibility of being underinsured, it is important that you sit down with an experienced independent insurance agent, such as the knowledgeable professionals at Little & Sons Insurance Group so that you can discuss all the various limit options. It may be worth it to invest in an umbrella insurance policy, which extends liability limits to $1 million or more. These unique policies ensure that you will be fully protected from the litigious society we currently live in.

Serving Beaumont, Banning, Calimesa, and Redlands, contact Little & Sons Insurance Group for all of your California auto insurance needs. We will help you determine the appropriate coverage limits so that you can feel 100 percent confident in your level of coverage. There is no reason to hold auto insurance that does not give you peace of mind!

Little & Sons Insurance Services

[email protected]

Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

No Comments

Sorry, the comment form is closed at this time.

After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

 Holiday Hours

President's Day  – Closed

Good Friday - Closing at 1pm

Memorial Day – Closed

Independence Day – Closed

Labor Day – Closed

 

 

 

 

 

Little & Sons observes the following holidays:

Veterans Day – Closed

Day before Thanksgiving – 8:30 – 1pm

Thanksgiving – Closed

Day after Thanksgiving – Closed

Christmas Eve – New Year's Day– Closed