subject: Auto Insurance - Three Parts to This Story [print this page] Auto Insurance - Three Parts to This Story
Personal insurance products from Pacific Way Insurance Services provide our customers with protection for their homes, autos and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
Auto Insurancecoveragealways coversthree parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
What factors can affect the cost of my auto insurance?
A number of factors can affect the cost of your automobile insurance - some of which you can control and some which are beyond your control. The type of car you drive, the purpose the car serves, your driving record, and where you live can all affect how much your automobile insurance will cost you.
Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.
Pacific Way was established in 2004 to serve individuals and businesses by shopping for the best auto insurance coverage at the lowest price. Our most valuable asset is our staff - a group of experienced professionals committed to making your insurance buying experience easy and rewarding.
After a 20 year career in the risk management, Roobik Galoosian established Alpha Risk & Insurance Services and purchased the assets of Pacific Way Insurance Services creating a one-stop shop for insurance and risk management focused on businesses, individuals, and families.
During his career Roobik managed the risk and insurance functions of large companies. He earned his masters degree in mathematics at UC Berkeley and holds the Associate in Risk Management designation.
Roobik and his wife are devout animal lovers and spend their free time with their dogs and goats.
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