When making a selection for auto insurance, you need to review your state’s minimum requirements for coverage. In California, you need to purchase at least $15,000 bodily injury insurance per person and $30,000 for everyone involved in an accident. You also must buy at least $5,000 in property damage insurance.
However, experts recommend that your raise your coverage limits on car insurance in Santa Cruz if you can afford to do so. You should also buy collision and comprehensive insurance protection if you own a newer car or are financing your vehicle.
Collision and Comprehensive Insurance Plans
Collision and comprehensive protection covers you if your car is damaged as the result of an accident or another mishap. For example, if you buy comprehensive insurance, it will protect your car if it is hit by hail or vandalized in some manner. The protection covers vehicles if they are stolen as well.
Never Drive without Insurance
Every state in the U.S. requires that you buy car insurance to pay for any injuries or damages to other parties in an accident. If you are pulled over and are driving without insurance, you can get in a good deal of trouble. Not only can you get your car impounded, you can also face jail time, lose your driving privileges, or have to pay excessive fines.
How to Determine Coverage
When checking the prices on car insurance, make sure the coverage you buy is equal to the total amount of your assets. To keep your premiums reduced, select collision insurance with a higher deductible. Plan to pay for any repairs with more of your own money.
To begin the process of applying for insurance coverage and making comparisons, contact an insurance provider, such as Coast Auto Insurance in California. You can reduce your premium payments further by combining your auto insurance with your home insurance coverage. You can also buy commercial insurance or renters insurance through the same company.
