How Much Car Insurance is Enough?
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.
California Auto Insurance Needs
Every person is unique. To determine your car insurance needs, consider:
- Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose so if you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
- Collisioncovers damage to your car from an accident. Kessler Alair can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage. Asking about the specific premium for this coverage can help you make this decision.
- Comprehensivecoverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. In this type of situation you will most likely be happy that you have some sort of coverage.
- Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Keep in mind that California requires certain minimum levels of coverage. The right California car insurance coverage for you is unique - you will want to talk to us today to find out how to get the best price and value on California car insurance for you. We have three locations in Rancho Cucamonga at the Victoria Gardens mall as well as Upland, and our newest office at the Newport Corporate Tower in Newport Beach. For your convenience most policies can be completed via email so although we would love to meet you in person, we can provide service in the way that meets your needs and is most convenient to you.