Auto insurance in Wildomar is the same no matter what city you live in, but you need a licensed agent to help you choose the coverage that is right for you and your family. Here are some questions and answers to common questions I get every day:
1. How high should the auto liability coverage limits be on my car insurance? Answer: No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your liability coverage limits are, the more likely your auto insurance policy will be able to pay all of the damages and nothing will come out of your pocket. The State only requires $15,000 per person Bodily injury, and if that is what you are carrying anything above that you would be responsible for. If you have a good driving record, you will find that increasing your limit to $100,000 per person will have an insignificant cost increase on your policy and will give you much better coverage.
2. How high or low should my collision auto insurance and comprehensive deductibles be? Answer: Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing and able to pay on short notice in order to save on your premium. If you have several cars the cost savings on increasing them all to higher deductibles is often enough to cover the increase in the deductible if you need to pay out on a claim. And if you have no claims, you keep the money in your pocket!
3. Should my auto insurance include collision and comprehensive coverage? Answer: You may be required to carry collision or comprehensive coverage if your vehicle is leased or financed. Once you have paid off your car and its value decreases, you might consider dropping these coverage’s or increasing the deductibles to save money on your auto insurance.
Call us today at 951-678-8111. We will be glad to help you find the coverage that is right for you!
Andy Morris, Agent