California Auto Insurance: An Ultimate Guide for Auto Insurance Near You
We all know that we need the right car insurance to protect us when behind the wheel. As a mandatory coverage in California, it’s essential to ensure that you have sufficient car insurance that will protect you if the worst happens. When looking for auto insurance in Banning, CA, you may be wondering what you should do and how to find suitable auto insurance near you. Take a look at our handy guide for more information on how to get started.
Different Types of Car Insurance
One of the reasons that car insurance can at first seem complicated is that it includes several different types of coverage. California has the following minimum coverage requirements:
- $15,000 bodily injury/death liability per person
- $30,000 bodily injury/death liability to more than one person
- $5,000 property damage liability per accident
That means every motorist must at least hold the above coverage. They can then choose to add on additional coverage to help cover costs in more situations. Unfortunately, California is ranked twelfth in the nation for having such a high percentage of drivers choosing to ignore the minimum required auto insurance laws.
You will see the different types of coverage in auto insurance policies – be sure you understand how they help and what they cover.
Your liability coverage encompasses bodily injury liability and property damage liability. If you are found to be at fault in an accident, the liability coverage in your insurance will help to cover the costs incurred by the other party. Bodily injury liability coverage helps to cover medical bills for the other party if they are injured in the accident you caused. Bodily injury liability insurance helps to cover damage to the other party’s vehicle or structures that your vehicle hit and damage. Remember, this coverage doesn’t help with the costs to repair your vehicle or medical bills. It will only cover the other party if you are found to be at fault.
- Personal Injury Protection
Personal injury protection (PIP) provides more comprehensive protection for you and your passengers in the event of a car accident. It will help to pay for medical costs, lost wages, and rehabilitation expenses if you or your passengers need any of these services after the accident.
- Uninsured/Underinsured Motorist
While you have the right insurance, many other drivers out there do not. This insurance is essential if you are a victim of a hit-and-run or if you get into an accident with a driver who has too little insurance to cover the associated expenses or no insurance at all. When the worst happens, this coverage can step in to help repair your vehicle.
Collision coverage helps to pay for damage to your car if you’re not found to be at fault in an accident. You can rely on your collision coverage if your vehicle is moving and hits an object, such as a mailbox, guardrail, or another vehicle. This protection helps to get you back on the road as soon as possible when your vehicle has been damaged.
Comprehensive coverage steps in to help where collision coverage stops. It pays for a wide range of damage to your vehicle – as long as it isn’t from a collision. Generally, policies cover damage from floods, hail, fire, theft, vandalism, and damage from falling objects.
- Roadside Assistance
Roadside assistance is an add-on coverage that drivers can choose to select or not. It tends to be incredibly affordable and very valuable, so it is worth considering. If your car breaks down, you can rely on your roadside assistance coverage to help pay for a tow truck to a local service facility. It will also help deliver emergency fuel, change a tire, call out a locksmith if you get locked out, and many other situations that can leave you stranded. This coverage is a few bucks a month for highly valuable protection and peace of mind.
When getting car insurance, the insurer will ask you for some specific and personal questions. The insurer will build up a profile of your risk. Essentially, this is where they decide how much your premium should be according to the risk you pose on the insurer. If you have a higher risk, there’s a higher chance that you will file a claim. As a result, the insurance agency may offer you slightly higher premiums to offset this cost. Every insurer will have their own formula and risk factors, which is why you get a different rate from one company to the next.
Some factors count more than others. Here just a few of them:
- Driving history
- Your vehicle
- Credit history
- How far you drive (annual mileage)
- Marital status
- Deductibles chosen
These factors will impact the price you pay for coverage. However, you can always ask your insurance provider if you are eligible for discounts. Most insurance companies offer a variety of discounts, and it doesn’t hurt to ask if any apply to you. A good rule of thumb is to keep all of your insurance policies with one insurance carrier to maximize discounts.
How to Shop for Car Insurance
When looking for auto insurance in Banning, CA, the first step to take is to get multiple quotes. Look for an independent insurance agency that works with you to cover your needs and stay within your budget. Once you have found an insurance provider, you can work with them to narrow down coverage and ask them any questions you may have about your policy and exclusions. He or she can also walk you through how to pick a deductible, how to decide how much coverage to acquire, and when to review your policy again.
It is important to periodically review your coverage to ensure it is still meeting your needs. It’s good practice to review your coverage at least once a year. You may always want to look for new coverage if your insurance agency does not review your policy.
Talk to your home insurance agent today to learn more about finding the right, suitable California auto insurance for all your needs. For all of your auto insurance you deserve, talk to the professionals at Little & Sons Insurance Services, serving Banning and neighboring cities in California, Arizona, and Texas. We look forward to getting to know you and your vehicle needs so that we can offer tailored solutions to give you peace of mind.