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Auto Insurance Information
Blake Elliott Insurance is Tuolumne’s trusted agency for personalized insurance policies. Our agency, unlike most large ones, has agents that will listen to your every insurance need and will go out of their way in assisting you with choosing the right coverage. We make it a priority to assure the customer they have the best plan for the future.
When it comes to insurance policies, auto insurance is one that most people need. Auto insurance policies can differ greatly among car owners, though, so it’s important to know that our agency will help you determine the best policy for your specific situation.
Understanding Auto Insurance
Whether you're a seasoned driver or have just passed your test, it's crucial to have appropriate auto insurance coverage. Different levels of coverage, legal requirements and the vast array of options available make choosing the right policy challenging. The Blake Elliot Insurance team is here to guide you through the maze of auto insurance options.
No two drivers are the same, so we provide a range of coverage options that can be adjusted to your specific needs and lifestyle. All California drivers must maintain minimum auto liability insurance coverage to comply with state laws. The lienholder may require full coverage insurance if you have an auto loan or lease your vehicle; this can help repair or replace the vehicle after a covered accident or incident.
What is auto insurance?
Auto insurance is, in many ways, a contract between a car owner and an insurance agency that states the insurer will help assist financially in the case of an accident to help alleviate significant damage costs. The amount the insurance agency provides depends on the type of policy the car owner has. The benefit of auto insurance is that the driver can feel safe knowing that they’ll have financial assistance in the unfortunate case of an accident.
How does auto insurance work?
Costs tend to get very high for car accidents. Auto insurance is a guarantee that you will be assisted financially, in some type of way, to keep out-of-pocket costs down. Following an accident, you will file a claim and, depending on what you are responsible for, you’ll be given a certain amount of money to assist with damage costs. It’s important to have proper coverage to avoid paying hefty out-of-pocket costs.
What does auto insurance cover?
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
Rental car reimbursement
Is auto insurance required?
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, and $5,000 for damage to property. Liability insurance compensates a person other than the policy holder for personal injury or property damage.
Collision, comprehensive and gap coverage policies might also be required for car owners who decided to finance their vehicles.
Settling for the bare minimum coverage is something you will want to avoid, and our agency will assist you in picking the right coverage for you and your vehicle.
What does auto insurance cost?
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
Your history of claims on other auto policies
Where you live
Although there are some car owners who pay different prices for the same auto insurance policy, we assure you that we will use our knowledge and experience to assist you in finding the best, most reasonable coverage.
What Are the Insurance Costs for Electric Cars?
Insurance premiums for electric vehicles (EVs) may be higher than insurance for gasoline-powered vehicles. EVs have higher purchase prices than gasoline-powered cars, cost more to repair and are more easily damaged.
When it’s time to insure your EV, be sure to shop around for the best possible rates. Your agent can help you identify reputable insurers offering the best EV insurance policies.
How Can You Save When Insuring an Electric Car?
While EVs are more financially accessible now than they were just a few years ago, they are still more expensive to insure than gasoline-powered cars. You may be able to reduce your auto insurance costs by talking with your agent about potential discounts.
When shopping for an EV, talk with your accountant to learn about current local, state and federal tax incentives that may also reduce your total cost of ownership.
Call us at 209-928-3471 or request your free quote to figure out the best auto insurance policy for you and your vehicle.
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