Three questions to ask when buying auto insurance in California

The more research you put into finding your auto insurance policy, the better suited your policy will be to your needs. We offer auto insurance to drivers in Pismo Beach, CA at Neff & Associates Insurance Services Inc.

The following are three questions to ask when you’re buying an auto insurance policy in California.

What are my deductible options?

You should explore the various deductible options of a policy. The deductible is the amount you pay out of pocket for a claim. The lower your deductible, the less you have to pay in the event of a claim. However, lower deductibles also generally mean higher monthly premiums.

Consider different deductible options to find a premium amount that fits into your budget. 

Will my auto policy cover other drivers in my vehicle?

It’s a pretty common scenario that a vehicle owner wants to have another individual use his or her vehicle. Perhaps you will need to loan your vehicle to a friend in the future.

If it’s possible that you’ll be letting another individual drive your vehicle, you may want to discuss this possibility with your insurance provider. Make sure that your insurance policy will still provide coverage to avoid problems if another driver gets in an accident in your vehicle. 

Does the policy in question include rental coverage and roadside assistance?

Two really helpful features of an auto insurance policy are rental coverage and roadside assistance. Rental coverage covers the costs of a rental vehicle while your own vehicle is in the shop being repaired after an accident. Roadside coverage means your insurance company will arrange for towing and other roadside services if you break down. 

Feel free to get in touch with us to learn about our auto insurance policies in Pismo Beach, CA. We’re here to answer all our questions. Visit our website or give us a call at Neff & Associates Insurance Services Inc to get in touch. 

When is it a good idea to get umbrella insurance in Pismo Beach?

Anyone that resides in the Pismo Beach, CA area will find that they have a variety of insurance needs. One type of insurance that should be taken seriously is umbrella insurance. A full umbrella insurance policy will offer a range of benefits and types of coverage that will make it a good investment for you. 

When Looking to Protect Against the Unexpected

A reason that getting umbrella insurance is a good idea is that it will give you protection against the unexpected. There is always going to be a risk of car accidents or incidents in your home that could lead to a liability claim. Fortunately, you can offset this risk with insurance. However, there are also always going to be risks of other situations arising that you may not be able to predict. The best way to mitigate these unexpected claims is through umbrella insurance, which offers blanket protection.

When Looking for More Coverage

While you can get good coverage through home and auto policies, a very bad accident could result in damages that exceed your policy limit. In these situations, an umbrella insurance policy would come in handy. When you get an umbrella insurance policy, it is going to give the additional coverage you need to pay for claims that exceed your other policies.

There are always going to be great reasons to get an umbrella insurance policy if you are in the Pismo Beach, CA area. When you are looking for your next policy here, you should speak with the team at Neff & Associates Insurance Services Inc. The insurance team with Neff & Associates Insurance Services Inc can answer your questions and get you into the best policy possible that will meet your needs.