Auto Insurance…Knowledge May Save You More than 15%

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more! Clovis Insurance Agency can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!

California  – How much auto insurance is right for you? Based in Clovis, CA, our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

  • Liability coverage – to pay for losses you cause others, or:
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage.

We write insurance in California and would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. However there are several other coverages that may be important to you when you suffer an accident regardless of who is at fault.

Uninsured Motorist Coverage

Probably one of the most important coverages most often overlooked is for you and your passengers, Uninsured Motorist Coverage in California covers bodily injury losses suffered at the hands of an uninsured or underinsured driver who hits your car. Unfortunately, California law only requires motorists to carry a minimum amount of liability coverage based on a July 1, 1967 law and without Uninsured Motorist Coverage, you and/or your passenger could suffer financial hardship due to an accident that was not your fault.

Uninsured Motorist Property Damage/Collision Deductible Waiver

This coverage may be as important to you as Uninsured Motorist because it will either pay up to $3500 (some companies may have a higher limit) or the Actual Cash Value of your car, whichever is less or Waive Your Collision Deductible if you are hit by an Uninsured Motorist.

Medical Payments

Medical Payments coverage is available in a range of limits from $1,000 per person and up. This coverage will help pay medical costs not covered by health insurance for you and your passengers regardless of fault for an accident. With today’s health insurance deductibles reaching as high $6,350 for one person, it might be wise to protect yourself from such an expense for yourself or by a suit brought against you by a passenger of your vehicle.

When you finance a car, it is usually necessary to have insurance which covers damage to your vehicle or you may simply want to insure a newer car that you own as well: This includes:

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

There are many other bells and whistles that you can buy when it comes to auto insurance as: Roadside Assistance, Rental Reimbursement, Replacement Cost, Gap Coverage, etc.

Every person is uniquetalk to us today to find out how to get the best price and value on auto insurance for you.

Clovis Insurance Agency, CA License 0D26852, ph. 559-298-0881

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