subject: Save Money On San Diego Auto Insurance [print this page] As in other states in the U.S. the State of California has minimum liability insurance requirements to legally own and operate a vehicle in the state. The minimum amount of liability insurance that covers a person other than the person holding the policy is as follows: $15,000 for the injury or death of any one person; $30,000 for more than one person in any single accident; and $5,000 for property damage in any one accident. Though it is not required by California law, it is highly recommended that Uninsured/Underinsured Motorists (UM/UIM) coverage also be purchased in the highest amount you can afford.
Most will choose to protect themselves with Comprehensive insurance policies of greater amounts to cover all occurrences. Liability insurance alone doesn't cover any of your expenses should you be at fault in an accident - they only pay for injuries and damages for the other party. If you are not at fault, your costs will be covered only as far as the other driver's insurance goes, which is why you want to have as much UM/UIM insurance as possible to be fully protected. There are also other add-ons that can be very valuable such as coverage for a rental car should yours be disabled and coverage for road service and towing.
It can be wise to get quotes for San Diego auto insurance at least every couple of years even if you are generally happy with the company you are currently covered by. It doesn't mean you have to change companies, but it can help to ensure that you don't pay too much for the same amount of coverage. Some companies offer great value added services and discounts or loyalty rewards that can save you money now or in the future. You never know about them unless you check around periodically.
To save a lot of time and get the best deals, call an independent insurance broker who represents a number of reputable providers. This gives you much broader choices than calling a specific insurance company that will only sell you their particular products. An independent broker works for you, not for a specific company so you can get unbiased advice and the best insurance at the best price for your individual needs.
When you're getting a quote for your San Diego auto insurance from an independent broker, you might also ask about insurance for your home, life, business, or any other type of insurance that you may need. You may find that you can pay less for more coverage and have only one phone number to remember for all of your insurance needs,
by: Art Gib
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