How will buying auto insurance help you

Depending on your situation and the lifestyle you live, auto insurance can help you in various ways. Beyond just protecting your vehicle if you’re involved in an accident, car insurance can have its added perks when it comes to receiving discounts toward other policies. Ask one of our wonderful agents about bundling your policies to save money.

Often times the easiest way to save money when you have multiple insurance policies is to bundle them for a more convenient payment, at a lower premium. If you’re interested in find out more information about saving on your auto insurance, give us a call. Our agents are experts at getting drivers the car insurance policy that best fits their individual needs.

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When it comes to talking about all the reasons why you have to have car insurance, it’s easy. Especially when the majority of states within the U.S. have it down as a requirement to drive legally. But, how does auto insurance help you and your family? Below we go over some of the ways car insurance can benefit you;

Accidents happen everyday

Car accidents are a very common occurrence. They happen in cities across the states daily. To be exact 6,438 accidents occur daily within the United States. This accounts for roughly 101 deaths per day in the U.S.. Those numbers are alarming, aren’t they? Make sure to buckle up, and it’s probably a good idea to get auto insurance as well.

Financial protection

The main benefit of auto insurance is the finical protection it provides if you were to get into an accident. Depending on the cost of repairs and the value of your vehicle, the benefit of having a good policy to cover you can save you thousands in out of pocket costs you may have had to pay otherwise.

Knowing you’re covered brings confidence

Knowing you’re covered with a good auto insurance policy can bring you great peace of mind. Say for example you live in a high risk area. Knowing your car is covered can help you sleep at night. No one wants to worry about their car at night.

You may also live in a traffic congested city. In areas like these risks are high due to there being more drivers and accidents daily. Getting to and from work can be a little easier on your stress levels when you have great auto insurance.

It’s a Mandatory requirement in California

Almost every state has set laws on auto liability coverage limits that drivers are required to purchase. The maximum amount that your auto insurance company will pay toward your claim, is a limit. Often we choose to increase our coverage limits to an amount necessary to cover our total claim if the worst was to happen. This will prevent us from encountering out of pocket expenses, that would have otherwise been included in our auto insurance claim.

You may have an auto loan and the lender requires car insurance

When financing or leasing your vehicle, you have to play by the rules of the lender. If you financed your vehicle your lender will require you to carry liability insurance, collision insurance, & comprehensive insurance. Basically you will be asked to carry “full coverage” auto insurance. These two coverages are in place to potentially protect the lenders investment.

Car insurance will reduce the amount you pay out of pocket

Car insurance is going to help you avoid unwanted costs from very unfortunate events. A small monthly premium could save you thousands of dollars. If we break it down even more we’re looking at a couple dollars a day. Less than what you would spend on a cup of coffee.

With the amount that you pay monthly for the protection you get in return it’s almost a no brainer. Even if it wasn’t a requirement it’s a smart move to protect your investments. Vehicles are expensive, and having good coverage for them is important.

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Car insurance protects who’s in your vehicle

Often when we think of our auto insurance coverage we think of how it covers us personally. Medical payments and personal injury protection. But what about the passengers in our vehicle. Depending on the type of coverage you have the passengers in your vehicle may be covered if you’re involved in an accident as well.

Your passengers expenses due to the accident could potentially be covered in your auto insurance policy. This type of auto insurance coverage could potentially pay for hospital care, doctor costs or surgery for the passengers that were in your vehicle at the time of the accident.

Car insurance protects you from uninsured drivers

Liability is something almost everyone needs to carry if they want to drive. But what about the protection you need from irresponsible drivers? Uninsured motorist coverage can help cover the costs of your medical bills if you are hit by a driver that doesn’t have insurance. Although this particular type of insurance is required in some states, it is optional in others.

In my humble opinion, auto insurance is a must if you want to drive protected on the California highways. The best way to get a great auto insurance quote is to go through a reputable broker like Eugene C Yates Insurance Agency. Not only are their agents incredibly nice, they also have amazing auto insurance rates! All you have to do is give them a call.

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