Common types of auto insurance policiesYou will have a few choices to consider which will affect the final cost of your auto insurance policy:  The coverage limits and the amount you choose for deductibles vary the cost of the insurance company policy you choose. List of coverage’s briefly explained.

Common Auto Insurance Coverage:

  • Collision Insurance
    Property Damage (PD) Insurance When you are at fault. Covers damage to your vehicle caused by a collision with another vehicle or with any other object, regardless of fault. Collision insurance does not cover bodily injury (BI) or property damage (PD) liability. Covers damage to another person’s property(vehicle or other objects) caused by a collision with your vehicle.
  • Bodily Injury (BI) Insurance
    Pays for the injuries of others when you are at fault.
  • Medical Payments Insurance
    Provides for the payment of medical and similar expenses without regard for legal liability.
  • Comprehensive Insurance
    Covers damage or cost of repairs to your car caused by reason other than collisions, such as fire, theft, windstorm, flood, or vandalism.
  • Uninsured and Under-insured
    Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or has sufficient liability limits to pay for damages.
  • Endorsements/Riders
    Covers special equipment such as wheels, tires, premium electronics not installed at the factory, and reimbursement for towing and rental.

These are just a few of the decisions that you’ll have to make when purchasing auto insurance coverage. We are here to assist you through the process. We have access to most California auto insurance companies. We will compare prices, coverages, deductibles, and other items to help you get the most value.

Online quoters and large companies’ advertisers continually promise significant costs but at what fewer coverages or lower limits. Proper coverage must take your assets and earnings potential into consideration. This is a real risk.  We can individualize the parts of the policy to your specific needs.

Call me first or call me last, but do yourself the best, call me.


For more information on Auto Insurance Coverage Explained – click hereCalifornia Automobile Insurance Guide.