San Diego Auto Insurance

Carrying auto insurance is a crucial decision for anyone on the road today. With so many drivers on cell phones, eating fast food, and even watching TV while at the wheel, it is not unusual to find yourself in a “fender bender” or serious wreck. Having car insurance can make such an ordeal a lot less stressful for you and your family.

Auto insurance protects you and your family financially if you ever have an accident in your car. You have a contractual agreement with your car insurance company. Car insurance is typically made up of these three specific types of coverage: property coverage, liability coverage, and medical coverage.

San Diego auto insurance is something you need to put into your budget every year. When you get an auto insurance policy, it will generally cover you and your vehicle for six months to a year. You will find that your car insurance company will remind you whenever you need to renew your policy or if a premium payment is due.

How To Reduce Your Auto Premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  2. Encourage your student drivers to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, a more expensive  car can mean higher premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  6. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts, and more.

How Much Auto Liability Insurance Is Enough?

We often get asked the question, “How much auto liability insurance do I need?” The answer to that question is different for everyone. We do recommend that everyone carry at least $500,000 auto and personal liability limits.

Auto liability coverage provides protection in the event you injure a third party while driving. Serious injury or death from a car accident is devastating to the injured person or deceased person’s family, both emotionally and financially.

You should consider higher limits if you have any of these risks:

  • Own a boat, ATV, or RV
  • Have teen drivers
  • Have a high net worth
  • Own a vacation home or rentals
  • Own your own business
  • Have other financial assets you may want to protect

Umbrella insurance can be added to your personal insurance program for as little as $150 to $200 per year, depending on your individual circumstances.

Auto Insurance Coverage Perks You May Want To Consider

Everyone needs a good auto insurance policy. We have access to many markets that can offer special coverage or perks. These may not be for every driver, but you may want to consider these. These options can be quoted for an additional premium with your regular auto insurance coverage. These are subject to actual policy terms and conditions.

Roadside Assistance

Some auto insurance companies offer roadside assistance; in the event, you need to be towed after an accident. This coverage often also means the insurer will send someone with extra fuel if you run out or jumper cables if your battery is dead.

Vanishing Deductibles

This coverage is offered to drivers who have better than average driving records over a period of time. Each year that you go accident-free, your deductible will decrease a certain amount. Eventually, you may end up having no deductible at all. If you do have a safe driving record, it could be worth the cost of enrollment not to have to worry about coming up with a large deductible payment if you have an auto accident. 

These kinds of auto insurance coverage perks do come with terms and conditions that must be met. Each policy is unique, and we are happy to provide an auto insurance coverage analysis with options.

Not sure how much car insurance you need? Overwhelmed by tons of coverage options? No worries. At McCormick Insurance, Wayne McCormick makes shopping for car insurance easy. We’ll help you find the right California auto insurance rates you can afford because we can write both preferred auto insurance for drivers with clean records and Non-Standard car insurance for those waiting for their driving records to improve.