Three Things to Consider When Buying Auto Insurance in San Jose

by | Jul 15, 2016 | Insurance

Before buying Auto Insurance in San Jose, there are several important things to think about. Auto insurance is far from being a “one size fits all” solution. The policy differences from one driver to the next can be huge, and so can the policy price differences. The driver is ultimately the one who is in control of their policy. While the state of California does require all drivers to have a minimum level of coverage, there are many ways to customize a policy for the individual.

Liability Isn’t Enough

The first thing to know about auto insurance in the state of California is that liability coverage is usually not enough. This type of insurance only covers the other people on the road. If the insured driver is responsible for injuries or vehicle damage to other drivers, liability will pay for that. However, if the driver themselves sustains injuries liability won’t pay.

Collision Covers More Than Just Wrecks

Many people may think of collision coverage as the “wreck insurance” but in fact, it covers all kinds of collisions. For example, if a driver who holds collision coverage were to swerve off the road and drive directly into a telephone pole, damaging their vehicle, that collision would normally be covered. Collisions can be with anything from another vehicle to a deer to an inanimate object.

Comprehensive is Essential For Nearly Everyone

Some drivers feel that they can skip the comprehensive coverage because it doesn’t involve actual driving damages. However, the important thing to be aware of is that comprehensive insurance spans virtually everything except collision. If the car is stolen, comprehensive coverage pays for it. If the car is vandalized, comprehensive coverage pays for it. Even in the case of natural disasters, comprehensive coverage will typically pay for the damage to the vehicle. Essentially, if a driver is looking for any coverage at all aside from roadway coverage, comprehensive insurance is essential.

If you are ready to buy Auto Insurance in San Jose, consider talking to the agents at Coast Auto Insurance. Find their website at on the Internet to learn more now.

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