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Auto Insurance Information
Auto Insurance in Half Moon Bay, CA and San Mateo County
Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car.
Looking for the right auto insurance coverage for the right price? Let Kevin O'Brien Insurance Agency help. Contact us today to get started on your free quote.
What is auto insurance?
Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses.
What do auto policies cover?
Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b):
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage.
Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage.
Contact your agent about including these protections in your coverage.
Why do you need car insurance?
In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself.
Questions to ask your agent
We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.
Here are some things to consider as you select your coverage:
1. How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
2. What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
3. What discounts are available? (Ask about good driver, multiple policy and student discounts.)
4. What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Contact us today
Don’t sell yourself short. Contact us at 650-726-6328 or request an online quote to figure out the best auto insurance policy for yourself.