When you’re shopping for auto insurance in San Diego, it is important to make sure that you have enough coverage for yourself and your vehicle. This will vary depending on the type and year that the car was made. The coverage type can also be affected by the purpose that the vehicle will serve.
Car insurance for an older vehicle will require less coverage than a newer one. If you do have a newer vehicle, you should carry full coverage on it. Full coverage will pay for the cost of your vehicle if it is totaled and cover any medical costs that you may incur from injuries due to a wreck. Liability coverage, which is commonly carried on older cars, only pays the costs due to another driver if you are responsible for an accident. It does not pay expenses to have your car repaired or replaced.
When considering coverage, you should also think about adding additional protection such as uninsured driver coverage and roadside assistance. Uninsured motorist coverage pays for damages and bills related to an accident caused by a driver who hits you and does not have car insurance. This is a lifesaver if the wreck is a serious one. Roadside assistance is essential for drivers who travel quite a bit. It covers problems such as having a flat tire, getting towed and related services.
Business owners who use their vehicle for work need to have extra liability coverage. This protects the business in case an employee is in an accident. Bills can quickly accrue and there may be litigation brought by the other driver. Having the right amount of coverage can protect a company from this type of situation. Click here to learn more about commercial or business insurance in San Diego.
Adding rental car coverage is also smart to do. If your car has to go in for repairs, you won’t have to foot the bill for a rental car while yours is in the shop. Your agent can help you to determine if you have the right coverage for your car and make suggestions to ensure that you and your family are protected. You should also review your policy periodically to see if you need to make any changes.
For more information about comprehensive, yet affordable car insurance in San Diego, CA, call 619-272-2100 and speak with one of our professional and experienced car insurance agents for a free, instant quote.