Auto Insurance Mistakes Every Driver Should Avoid

Whether you’re purchasing auto insurance for the first time or updating your policy, it’s important to research your options to avoid mistakes that can cost you money. By working with a reputable insurer, you can avoid paying more than necessary for your policy or losing out on valuable coverage. The following tips from Neff & Associates Insurance Services Inc in Pismo Beach, CA can help you make wise auto insurance choices.

Not Shopping Around

Auto insurance is an extremely competitive business. If you don’t shop around and compare what different insurers have to offer, you could end up overpaying for your coverage. Shopping around enables you to find the coverage you need at a reasonable cost.   

Choosing the Cheapest Price  

Going with the cheapest insurer isn’t always the best. It’s better to work with a reputable insurer who will provide you with quality coverage and services you can trust. Before choosing an insurance company, check reviews from their customers to see how the company fares in coverage, price and customer service.

Getting Inadequate Coverage

Don’t compromise on coverage to reduce insurance costs. Make sure you have the coverage you need to protect yourself, others and your vehicle. Your policy should cover minimum auto insurance requirements for your state. In California, minimum liability and uninsured/underinsured motorist coverage are mandatory.

Not Checking for Discounts on Coverage

Most insurers offer discounts on auto insurance coverage. By not checking to see if you qualify for discounts, you may pay more than you have to. You could pay less if you complete a driver’s safety course, are a senior, have a good driving record, have certain safety features in your vehicle or bundle your auto and home policies together.  

For quality auto insurance coverage at affordable costs, contact Neff & Associates Insurance Services Inc in Pismo Beach, CA.

The Main Benefits of Commercial Umbrella Insurance

Neff & Associates Insurance Services Inc is proud to serve the commercial insurance needs of the greater Pismo Beach, CA community. If you are a business owner in the area, it makes sense to take a look at the umbrella insurance options that are available. Primary commercial policies are often insufficient to cover all of your needs should a catastrophic event happen. A commercial umbrella policy can bridge any gaps that there may be in your current policy and help you prepare for the unexpected.

Benefits of a Commercial Umbrella Policy

A primary policy has limits, and once you reach that level for a claim, your coverage can end. If you have a major covered event that taps out your primary policy, an umbrella policy will help you fill the gaps. 

Business owners often have frivolous lawsuits brought against them, and a successful slip and fall claim, for one example, can be enough to exhaust your primary insurance coverage. Umbrella policies kick into action to cover any shortfall from your primary policy, thus minimizing the potential for personal financial responsibility. No one wants their business to be adversely affected by an event when there is protection available.

Don’t get caught with insufficient insurance coverage! The success of your business can be negatively affected if you don’t have the proper coverage. Take a look at your current insurance portfolio and determine if an umbrella insurance policy makes sense for you and your company!

If you are a business owner in the greater Pismo Beach, CA area, now is a great time to review your commercial insurance. The team at Neff & Associates Insurance Services Inc is here to ensure that your commercial insurance portfolio is sufficient. Don’t leave your business unprotected, find out more about commercial umbrella insurance today!