Each auto insurance company we represent offers a broad range of benefits for every budget. And the cost of your premium could be even less if you qualify for discounts. When you apply for auto insurance, you’ll be asked a series of questions including if you want collision or comprehensive coverage, or both. You will also be asked about which liability limits you prefer and how much of a deductible you want. With the range of options available, it can be confusing to decide which is best for you. That’s where we come in.
At American Tri-Star Insurance, we have a team of experts ready to answer all of your auto insurance questions. We can help you decide what level of coverage you need to make sure that you choose the best policy to suit your needs.
Collision and Comprehensive Coverages
Collision and comprehensive coverages pay for damage to your vehicle following a crash. These are separate forms of coverage that may be purchased individually or together as a bundle.
- Collision coverage pays for any damage caused to your vehicle during an accident. That can include harm caused by another car, a person, or an object.
- Comprehensive coverage insures you against any other physical damage to your vehicle. That can include damage caused by fire, flood, vandalism, or theft.
In the State of California, Collision and comprehensive coverage are optional according to the DMV. But do keep in mind that auto lenders may require you to purchase this type of “full coverage’’ insurance policy before you’re able to get a new auto lease or a loan.
Your Options for Auto Insurance Coverage in California, Arizona, Nevada, and Oregon
There are several options for auto insurance coverage and we’re here to help guide you through all of them.
When you have liability coverage, it pays for the cost of injuries to other people. It also covers the cost of damage caused to the personal property of others when the accident was your fault.
Personal Injury Protection
Also known as no-fault coverage, this pays for various expenses, including the cost of medical and rehabilitation services. It will also cover the cost of replacement services, funeral expenses, and loss of income if you are too injured from the accident to return to work.
Medical Payment Coverage
This coverage pays for medical expenses, up to a specified amount, for the policyholder and other passengers inside your car, regardless of who is at fault. However, if you and your passengers already have health insurance, you may not need to take out medical payment coverage.
Uninsured/Underinsured Motorist Coverage
This auto insurance coverage is beneficial if you are injured in an accident by another driver who is uninsured or underinsured. That means they do not have enough liability coverage to pay for your injuries. It can also protect you if you are injured in a hit-and-run accident.
Optional Coverage for Auto Insurance
There are additional unique coverage options available that include benefits like rental car reimbursement, roadside assistance, and payment for towing. These coverage options are not required, but they can save you lots of stress during your time of need.
How Much Auto Insurance Coverage Do I Need?
Deciding how much car insurance coverage you need depends on several factors. You need to consider what assets you’ll want to be protected as well as the overall value of your vehicle, and the amount you can afford to pay for your deductible. You should also consider your tolerance for risk when weighing additional coverage options.
Our team has experienced auto insurance agents throughout the San Diego area and surrounding cities, including Los Angeles, Riverside, and San Francisco. Get in touch with us today to learn more.
Looking for motorcycle insurance? American Tri-Star can provide a quote for that as well.