Auto insurance: What you need to know

Choosing an auto insurance policy is a big decision, so it’s important that you understand the basics — Auto Insurance 101. In general, auto insurance is a type of contract between an insurance company and you. You pay premiums in exchange for financial protection in the event of an accident. Most states require that you have a minimum amount of liability coverage.

A typical auto insurance policy may include any or all of the following coverages:

  • bodily injury liability
  • property damage liability
  • personal injury protection
  • collision
  • comprehensive
  • uninsured and underinsured motorist coverage

What is the right amount of coverage?

When purchasing an auto insurance policy, you need to choose a policy that fits your individual circumstances. Auto insurance is not a “one size fits all” proposition! There are many factors to take into consideration such as how much you can budget to pay your premiums, the age of your car, and the amount of deductible or out-of-pocket expenses that you’re willing to pay. Sound confusing? It can be, and it takes up a lot of your valuable time, researching all of the different insurance companies.

Independent insurance broker and agent, Daniel Fraisse, can save you the hassle of deciding on the coverage and insurance company that gives you the most for your money. As an independent broker, Dan represents many insurers, but does not work for any one company. His top priority is his clients.

In business for over 30 years, Dan Fraisse is very familiar with all of the ins and outs of the various insurance carriers, the different policy options, and insurance laws. Working together with you, he will determine the type and amount coverage you need, and will then shop around to find the best deal.

Getting the plan that’s right for you

California law only requires a licensed driver to purchase liability auto insurance. If you’re involved in an accident, liability insurance only pays for vehicle damages and injuries to the other driver. What about medical costs or damage to your vehicle? What if you’re involved in accident with a uninsured or underinsured driver? Are you covered if your car is stolen?

It’s important to have other types of coverage in addition to liability. That’s why a broker like Dan Fraisse is so important. He’ll put together a customized insurance package that fits you needs and budget.

Call or click and let Daniel Fraisse find the best car insurance for you.