When obtaining an Insurance Quote in Santa Cruz, drivers need to know what they are purchasing. The state has put certain requirements into place for all drivers, thus every policy will contain these elements. However, drivers need to look into purchasing additional coverage to make certain they are protected in the event they are involved in an accident. One accident can wipe a person out financially, thus this is one area where individuals should never cut corners.
Required Insurance
The state of California requires that every driver have enough insurance to cover injuries or damages incurred in a car accident deemed to be the driver’s fault. When purchasing liability insurance, individuals need to have a minimum of $15,000 coverage for the death or injury of another person and $30,000 worth of coverage when more than one person is injured or killed in the accident. Furthermore, the policy must include $5,000 coverage to handle any property damage that occurred as part of the accident.
Optional Coverage
Additional coverage may be purchased for an added price. Comprehensive coverage covers any damage to the vehicle not related to an auto accident, while collision coverage pays for any damage to the vehicle sustained during an accident that is deemed the fault of the vehicle owner. However, if the vehicle is leased or financed, lenders require this type of insurance to protect their financial interest in the car. Uninsured/underinsured driver coverage is beneficial in the event a person is injured or a vehicle is damaged in a collision with a driver who doesn’t have insurance or lacks the amount needed to cover the injuries or damage.
Coast Auto Insurance offers insurance for drivers in the state of California. Anyone in need of an Insurance Quote in Santa Cruz may contact this company for assistance. Never drive without the proper insurance, as what may appear to be a minor fender bender could have long-term financial consequences for the driver who is uninsured. Although auto insurance may seem like a burden when the bill comes due, it is of great assistance in the long run. With the help of this provider, drivers find they can pay less for car insurance while still getting great insurance. Check them out today.
