It seems like you can’t get through a TV show or read a magazine without seeing an auto insurance ad. Big insurance companies spend billions to get your business. But are they giving you the best coverage designed specifically for you?
Here are a few auto insurance myths we have seen that you need to know about:
Myth – Buying online is better. Would you go to a web page to diagnose your illness and then select from a drop-down list for your treatment? That is what on-line insurance buying is like. Call an independent agent so we can help design the right combination of coverage and price. We have access to multiple markets, not just one. Cheap insurance seems great until you have a loss.
Myth – Bright-colored cars cost more to insure. Wrong. Premiums are based on the type of vehicle you have, its value, where you live, and other factors.
Myth – One ticket or accident will cause my company to cancel my insurance. Most insurance companies do not penalize you this way. They are more concerned with patterns of driving.
Myth – Older drivers pay more. This is not true. Many of our companies give discounts to older drivers.
Myth – The TV commercial said it was covered. All claims are subject to your individual policy terms and conditions. That is why an independent agent is important. We can provide information about what is covered and what is not.
Myth – Mexico? No problem. If you travel to Mexico, we recommend special Mexico coverage.
Myth – If I get hit by someone else, the other party will pay. That is true if they have insurance. Even though many states have mandatory auto insurance requirements, almost one-fifth of all drivers don’t have insurance. And if you don’t have the right coverage, you will not be covered.
San Diego Auto Insurance Facts
All drivers in California are required by state law to have a certain amount of liability insurance. Liability insurance compensates a person other than the policy holder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements. If you reside in San Diego and are buying insurance, it must contain:
- Per person bodily harm liability coverage of $15,000
- Bodily injury liability protection of $30,000 per accident
San Diego Auto Insurance
Auto insurance is offered by insurance companies based on a number of variables. The two most important variables are your age and the zip code of the city where you reside. Your premium costs will also be influenced by other factors, including average household income, population, local accident records, and crime rates. Your rate may also be influenced by the typical makes and models of vehicles in the neighborhood. Younger drivers will have to pay more for insurance than those who have a lot of driving experience. Younger, inexperienced drivers are seen as high-risk motorists who may commit more traffic infractions or accidents.
We believe that car insurance is only as good as the features that are included with it. That’s why we pride ourselves on providing policyholders in San Diego, CA., and across the country with great features that are available 24/7/365. Learn more about our car insurance features below:
- Car insurance discounts
- Quick & Easy Claims reporting
- Local Agent with local connections
- We represent multiple carriers, so you always have the best rates.
You need to have proof of car insurance if you drive a vehicle in San Diego, CA. Residents of San Diego, CA., have many choices when it comes to getting car insurance, but no one compares to our agency when it comes to the right balance of competitive rates, great service, and ultimate convenience in auto insurance premiums.
Lower Your Rate on Auto Insurance in San Diego
It’s easy to save on car insurance in San Diego. Just call (619) 276-0492 or request an ONLINE insurance quote and Wayne McCormick will provide you:
- Rate quotes from up to 40 nationally known auto insurance carriers (e.g., Mercury, Travelers, Safeco, etc.) with A.M. Best ratings of “A” or better
- Online access to your car insurance policy
- Access to insurance savings for your home or rental property—even life insurance and wedding insurance!
- Personalized help via phone anytime you need it via (619) 276-0492
- In-person consultations at our San Diego Bay Park office (across from Mission Bay Park)
- Ability to buy Mexico auto insurance and print your policy before heading south of the border