How to choose the best insurance for you: A guide for choosing car insurance

holding hands inside car

Things to consider when insuring your car:

Liability coverage: This covers you in the event that you cause injury or damage to another party. In California, the minimum insurance is $15,000 per person and $30,000 per accident. For a minimal additional cost, you will very likely be able to secure much higher limits—ask your insurance agent for more information.

Collision coverage: This will cover you for damages to your vehicle if you are at fault in an accident. If you have a car loan, most lenders will require that you purchase this type of coverage.

Uninsured/Under-insured Motorists coverage: This will cover you if you are hit by someone who is uninsured or underinsured. We highly recommend that you get this and make the limit as high as you can.

Medical Payments coverage: This covers additional medical treatment and widens your options for medical care. Again, we recommend that you get this and make the limit as high as you can.

Umbrella policy: This will cover you once you have reached the limit of your regular policy. These are typically inexpensive and will cover you in the event of a very serious accident.

Family member coverage: Make sure you purchase a policy that covers all members of your family as well as anyone who may borrow your car with permission.

Lowering premiums: There are many ways to lower your insurance premium, including having a clean driving record, bundling your home and car insurance, insuring multiple cars in your household with the same company, increasing your deductibles, paying on time, and signing up for automatic payments.

Who you’ll call if you are in an accident: Contact Kauffman and Associates for a complimentary consultation. No case is too big or small. We can help ensure you obtain proper medical care and receive the maximum financial settlement for your pain and suffering.