Call Us (800) 494-7200 ☰ ˟
Logo
Call Us Today (800) 494-7200
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto Quote Form (short)
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Renters
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
  • Blog
  • Resources
    • Refer a Friend
    • Insurance Glossary
  • About Us
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > We Help You Manage Your Auto Insurance
WEDNESDAY, MARCH 2, 2022

We Help You Manage Your Auto Insurance

insurance

Using an agent is the best way to shop for auto insurance. San Diego Auto Insurance is the perfect solution to protect yourself and your family.  Auto insurance can also protect you from car theft, accidents, and more. 

Auto Insurance Provides:

·         Bodily Injury Liability– covers injuries to others caused by the policyholder while operating a vehicle.

·         Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.

·         Collision – insures the policyholder from loss during a collision with another vehicle or object.

·         Comprehensive – covers you if your car is damaged by anything other than collision (example fire, theft, or vandalism).

·         Medical Payments – if you need to pay for an injury for yourself or a passenger.

·         Uninsured Motorist Protection – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

Some auto insurance policies offer a number of standard benefits, while other benefits are available as optional coverage in return for an extra premium.  Here are a few coverages’ you might consider when reviewing your auto insurance. You may not get these options if you shop online.

·         Rental car coverage

·         Driving other cars

·         Loss of use

·         Special equipment

·         Personal effects

·         New car benefits

 

We Help You Save Money

When it comes to purchasing auto insurance, having options can be a very important way to save money.  We know and understand the auto insurance market.

This allows us to provide you with the best possible combination of pricing, coverage, and service—which is our goal.  

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance.  Some markets offer better rates for trucks, RV’s, or campers, while others can offer better rates for motorcycles.

How to Reduce Your Auto Premium

There are many things you can do to keep your auto rates at the lowest level possible.

·         Review your deductibles.

·         Have your student get good grades.  Most major insurance companies offer a discount for students in good academic standing.

·         Select a safe car. The more expensive the car, the higher the premiums. Check out which cars are popular with thieves.

·         Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.

·         Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.

·         Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts, and more.

Who Can Drive Your Car?

A permissive user would be a third party; someone you give permission to use your car, such as a co-worker.  Auto insurance policies are not equal, and you should be aware that some auto insurance coverage may limit permissive users. The hidden danger occurs when the person you permitted to use your car then allows another person to use the car without your knowledge.

Before you lend your car to anyone, you should review your coverage or contact our office and have us provide an analysis for you. The following claim involved an accident involving a non-permissive user. Please note this was not one of our clients.

The case concerned two vehicles involved in an auto accident. The driver of one of the vehicles was the teenage boyfriend of the insured’s daughter.  He was driving the insured’s vehicle without the insured’s permission.  In addition, the teenage male did not have any automobile insurance coverage of his own.  The driver of the other vehicle was injured, and the investigation revealed that the teenage male was at fault.  As a result, the owner’s insurance company was attempting to deny the claim, stating the responsible driver did not have permission to drive, therefore limiting coverage.  Fortunately, the courts ruled against the insurance company and the claim was eventually paid.

Just Who Is Covered to Drive Your Vehicle?

The driver must either be specifically listed by name on the automobile insurance policy, listed by category on the policy (i.e., household member), or fall under the category of a permissive user.  A permissive user is someone you give permission to drive your vehicle.  Some examples might be:

·            A family member not living in the household

·            A Mechanic

·            Your Neighbor

·            Someone who is test driving the vehicle prior to purchase

Again, the issue comes into play when someone to whom you give permission to use the car, in turn, allows another person to use the car (see above example).  In most cases, that person is not permitted to drive, and coverage could be reduced or limited in the event of an accident.  It is possible that if your friend borrows your car and gets into an accident, your friend’s insurance policy might cover some of the damages, but that is not guaranteed either.

Posted 11:23 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018

  • personal insurance(27)
  • auto insurance(24)
  • home insurance(21)
  • business insurance(15)
  • commercial insurance(10)
  • rental cars insurance(8)
  • insurance(5)
  • vacation safety(4)
  • watercraft insurance(3)
  • cyber risk(2)
  • holiday safety(2)
  • motorcycle insurance(1)
  • boating safety(1)
  • water safety(1)
  • boat insurance(1)
  • safety(1)
  • identity theft(1)

View Mobile Version
Logo

6300 Storkson Dr #1B
Clinton, WA 98236
Ph: (800) 494-7200
Email Us

Social Icon
© Copyright. All rights reserved | Powered by Insurance Website Builder