How much should you pay for car insurance?
There are so many factors that can affect automobile insurance premiums:
- driver’s age, sex, marital status, academic record, and driving record
- vehicle’s model, age, mileage, and safety features
- where and how much the vehicle is driven per day/year
- state laws
- insurance markets within specific geographic areas
- insurance type and deductible amounts
- good driver discounts, defensive driving classes
Any of these factors can raise or lower premium costs, so there’s no magic formula for determining how much you should spend on car insurance per month. You must first determine the types and amounts of coverage you want, and the deductible amounts (your out-of-pocket costs) you’re willing to pay in the event of an accident. Daniel Fraisse can help you determine what you need for coverage, and then find the best car insurance premium for you.
Make sure you’ve got enough coverage
California law only requires you to purchase liability auto insurance. Liability insurance pays for damages and injury to other persons if you have a car accident. But what about your own damages and injuries? That’s where the other types of automobile insurance come in:
- Medical: pays for medical costs for you and your passengers
- Collision: pays for damage to your vehicle in the event of a collision with another car or object
- Comprehensive: pays for damage to your vehicle from things like, fire, theft, vandalism, and weather-related damage.
- Uninsured Motorist: pays for damage and injuries to your vehicle, yourself, and your passengers in the event your accident involves an uninsured driver.
For each type of car insurance, you’ll need to choose a level of coverage, meaning the maximum amounts your car insurance company will pay for damage or injury. Daniel Fraisse will make sure you get the right types of insurance at levels that meet your needs and your budget.
Need help? Call us for a straight answer
Call us today and let Daniel use his impressive knowledge and experience to find the best car insurance policy for you, at the best price.