How Do I Choose What Deductible To Carry On My Auto Insurance ?
Pick your coverage wisely.When you are shopping your auto insurance policy make sure that you put together a package that you can easily afford. In many cases the most expensive coverage on a policy will be the collision coverage. The comprehensive coverage generally is half as much premium as the collision coverage. When you are getting quotes on your policy your agent should be happy to spend the time to check many different variations of coverage for you. Weigh your options carefully and ask your agent to explain the different rates for coverage that you are looking for. Make sure that you purchase adequate coverage to protect your financial security on your California auto insurance.
An agent at our company recently reviewed a client’s auto insurance policy in California, purchased with another agency. He found their coverage left them in a position of unnecessary exposure. These clients chose not to get uninsured motorist, meanwhile maintaining a $500 deductible in order to keep a monthly premium that they are satisfied with. Our agent explained that they could actually elect to have uninsured motorist protection on their policy and have a $1000 collision deductible for a substantially lower premium. Their exposure with the higher deductible was $500 but without uninsured motorist it was at least $15000. Whatever options you choose make sure that the premium is something that is financially reasonable for you to maintain continuously. You can also read more by looking on our auto insurance page at www.bainsandwoodward.com/california-auto-insurance.html Get your quote online today or call 530.421.8111 License 0G13612.
