Here are some of the things that first-time auto insurance shoppers need to know.
If it's your first time shopping for
auto insurance in Ventura, California, you might be overwhelmed by all the carriers and coverage options out there. However, understanding key pieces of information can actually make the process of securing car coverage a bit easier.
Here are some of the things you should know when shopping for car insurance for the first time.
State Minimums
Every state requires their drivers to carry some minimum amount of auto insurance. It's important to know these legal minimums so you can ensure that your policy is offering you the coverage you need. For a breakdown of California's car insurance requirements, please click
here.
Essential Coverages
While state minimums offer a good starting point, all drivers are recommended to carry coverage that extends beyond state requirements. For the comprehensive protection you need, you should secure these essential coverages:
- Bodily injury and property damage liability
- Collision
- Comprehensive
- Underinsured/uninsured motorist
- Medical payments
Savings Opportunities
Finally, when you start receiving your auto insurance quotes, you might feel that your insurance rates are set in stone. However, you do have some opportunities to save. For starters, make sure that your insurer is applying any discounts that you qualify for. You can also save some money by bundling your auto insurance with your other existing insurance policies. Finally, you can also save on your premiums by raising your insurance deductibles. However, if you want to do this, make sure that you do not set your deductibles too high, as this could prevent you from accessing your coverage when you need it the most.
These are some of the things you should know to make shopping for car insurance a little easier. Do you have additional questions regarding your
auto insurance in Ventura, California? If so, contact the experts at John E. Peakes Insurance Agency. We are ready to assist you with all your coverage needs today.
