Category: Insurance

Have you ever reviewed your auto insurance paperwork and found some of the terminology confusing? At QuoteBroker Insurance Services in Santa Clarita, CA, we are here to help you understand your coverages and how they benefit you.

Have you ever purchased a new car at a dealership, and they mentioned that you were required to carry "full coverage" on your car insurance? When you hear those terms, they are referring to comprehensive and collision coverages. Typically, these coverages are needed to satisfy a finance company that will hold the lien on the vehicle you are purchasing. They want assurance that you can get your car fixed and back on the road if you are in any incident or accident. Finance companies and dealerships believe that if a person cannot get a car repaired after a wreck, they are less likely to pay for the vehicle. Therefore, the dealer or financier could lose money on that car.

What is collision coverage?

If you have collision coverage on your auto insurance policy, it will pay for repairs or replace your car, minus a deductible, when you collide with another vehicle or stationary object and are at fault. If you are not at fault, you can likely get compensation to repair or replace your car from the other party’s insurance policy.

What is comprehensive coverage?

Comprehensive coverage on your auto policy compensates you for repairing or replacing your vehicle if you are at fault in any incident "other than a collision," unless otherwise listed in your policy exclusions section. With comprehensive coverage, you can get compensated for cracked windshields, theft, fire, flood, hail, or damage from hitting an animal in the road. You are required to pay your auto insurance deductible first.

Give us a call today!

For more information about your auto insurance policy and how comprehensive and collision coverages benefit you, call us at QuoteBroker Insurance Services in Santa Clarita, CA, today at (661) 702-1755.

Being a car owner in Santa Clarita, CA is quite common. As such an owner, ensuring you have a right and comprehensive insurance plan is crucial. Multiple benefits and value additions come with a full auto insurance policy in this area.

Vehicle Coverage

One of the significant benefits of auto coverage is that it offers assured protection for your car. With a collision and comprehensive plan, you get coverage for an array of risks. This scheme includes support for repairing or replacing your vehicle if it gets stolen or damaged in an accident. Such support can be beneficial in various situations.

Liability Support

Auto insurance is also beneficial for the liability support it provides. If you cause an accident, you would be responsible for the damages that result. In severe accidents involving significant injuries and extensive damage to the other vehicle, these costs can quickly add up. However, a full auto insurance plan ensures coverage and will reimburse these costs.

If you are considering building an auto insurance plan in Santa Clarita, CA or nearby, seeking reliable assistance is advisable. Our team at QuoteBroker Insurance Services understands the needs of vehicle owners in California and can help you construct the perfect plan. We at QuoteBroker Insurance Services ensure to provide the necessary guidance to create a comprehensive insurance plan tailored to your needs.

California and Mandatory Auto Liability Coverage

While auto liability coverage is obligatory in California, the option for additional protective layers, such as roadside assistance, remains on the table. Ideal for regular or long-distance drivers, roadside assistance can be a lifesaver during unplanned vehicle breakdowns. Understand this critical component of auto insurance coverage with QuoteBroker Insurance Services in Santa Clarita, CA.

The Cover Extended by Roadside Assist

Roadside assist hosts a slew of services aimed at aiding recovery from road breakdowns. The coverage varies, so checking its benefits with your current insurer is critical. In general terms, roadside assist typically includes:

• Towing services in case your vehicle is not drivable due to an accident or breakdown.
• Jump-start services
• Flat tire changes
• Fuel delivery when you run out of gas
• Lockout services help you regain access to your vehicle if you misplace your keys or lock them in.
• Extrication services to pull your vehicle out of a ditch or any other tight spot near a public road.

Why Choose Roadside Assist?

Can you imagine being stranded far away due to an unexpected breakdown and lack of necessary assistance? Roadside assist provides the peace of mind of having help when you need it most. With roadside assistance, you can’t necessarily predict when your car will encounter problems. Still, you can be prepared by having coverage to pay for basic necessities, which will help you get back safely on the road.

Ready for Roadside Assistance?

Is roadside assistance the missing piece in your auto policy? Contact QuoteBroker Insurance Services in Santa Clarita, CA, today, and we will help you add this beneficial coverage.

Many Santa Clarita, CA drivers choose to carry only the minimum amount of auto insurance coverage in an effort to save money. Some of them don’t realize how limited minimal insurance actually is. 

Liability Coverage

If you only carry basic liability insurance, you are basically protecting anyone you might injure during an accident. If you are found to be at fault in an auto accident, your insurance will pay for the victim’s damages and medical bills up to your policy limits.

Your own injuries will not be covered unless you have additional coverage. Your own passengers are not usually covered under your liability policy. At QuoteBroker Insurance Services, we can help you find coverage to protect yourself too.

Protecting Yourself and Your Passengers

There are several options for paying your own medical bills in an accident. If you are not at fault, or if you were only partially at fault, the other driver’s insurance may pay for all or part of your bills.

Sometimes your own insurance will pay for your medical bills, but there are also times when your personal health insurance will argue that it is not responsible for certain injuries sustained as part of an auto accident.

Med Pay or Medical Payments Coverage is a special kind of insurance you can purchase that will pay medical bills and funeral expenses for you and your passengers. This special coverage can also be used if you or your family member is an injured passenger in someone else’s car or a pedestrian.

We Are Here To Help

Santa Clarita, CA drivers have a lot of options. After you decide what kind of coverage you want, you can choose your level of coverage and deductible. If you have any questions or would like to discuss your policy, please call QuoteBroker Insurance Services today.

The agents at QuoteBroker Insurance Services serving the Santa Clarita, CA area are touting the importance of having an adequate amount of auto insurance in place.

In the state of California, all drivers must have a minimum amount of auto liability insurance in place to be able to legally drive a motor vehicle.

Auto Liability Insurance

An auto liability insurance policy will provide protection for any injuries or damage that you cause to other people or their property if an accident occurs that is your fault.

Collision Coverage

This type of insurance coverage provides protection if your vehicle is damaged because you had a collision with another vehicle or a stationary object. This type of coverage can help you pay for repairs or even the replacement of your vehicle.

Comprehensive Coverage

This type of coverage provides protection against damage to your vehicle caused by certain events, including a theft incident, an act of vandalism, a fire, or some sort of natural disaster.

Uninsured/Underinsured Motorist Coverage

This type of auto insurance coverage provides protection if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages and medical bills.

Other Options

From personal injury protection and rental car coverage to roadside assistance and so many more, there are other auto insurance coverage options you can choose from.

Contact Us Today

To create the very best auto insurance policy, you can connect with the experienced and trusted auto insurance agents at QuoteBroker Insurance Services serving the Santa Clarita, CA area. Call today for a quote and to get your policy started.

Choosing the right car insurance is a vital decision. Buying a policy for your car, truck, or SUV in Santa Clarita, CA can be a challenge with the many options available. You want to ensure that you are getting the best coverage for your needs and following the law.

Car Insurance is a Requirement in California

All drivers in California are required to have car insurance. This includes liability insurance, which covers damages you may cause to others in an accident. When you go to register your vehicle, the DMV will require proof of insurance.

If you don’t have it, they will not register your car. You are also required to have uninsured motorist protection, which covers you if you are in an accident with someone who does not have insurance or if you are the victim of a hit-and-run driver.

What if You’re Caught Driving Without Insurance?

Driving any vehicle without insurance is a crime in California. If you’re caught, you’ll be fined and may have to pay a higher premium for future coverage. You may also have your license suspended. The best way to avoid these penalties is to make sure you have insurance before you drive.

Even if you’ve had a previous suspension or a not-so-stellar driving record, your QuoteBroker Insurance Services representative can help you get the best car insurance policy for your needs.

Advantages of Full Coverage Car Insurance

Most people in Santa Clarita, CA choose to buy full coverage car insurance. This type of policy covers you for damages to your car caused by an accident, theft, or vandalism. It also covers you if you cause an accident and someone is injured. If you have a loan on your vehicle, your lender will require full coverage.

Contact QuoteBroker Insurance Services for a quote today.

Purchasing a classic car is satisfying and an excellent way of adding something unique and classy to your collection of vehicles. That is why you need to get classic car insurance for the accompanying protection. With that said, QuoteBroker Insurance Services takes the residents of Santa Clarita, CA through some of the benefits they can enjoy if they purchase car insurance.

It is Affordable

You may be surprised at how affordable classic car insurance is. One of the requirements of classic car insurance is that the car is not used as your daily means to commute to work or run errands. In addition, most classic car owners drive carefully and only once in a while. This is what makes the coverage affordable compared to traditional auto insurance.

Protects the Value of the Car

Another reason to get classic car insurance is that it helps preserve value. Unlike other cars that depreciate in value as they are used, a classic car either preserves value or adds value with time. When you purchase classic car insurance, you enter an agreement with the insurance company on the replacement value of the car, which is a guarantee when your car is either stolen or totaled.

Liability Coverage

Another benefit of classic car insurance is the liability coverage it provides. Just like you need liability insurance to operate the type of car, it also applies to a classic car. This not only ensures you are complying with the law, but it ensures you are covered as well in case there is an accident.

There are many benefits you can enjoy when you purchase classic car insurance in Santa Clarita, CA area. Since this type of insurance is somewhat complex compared to traditional auto insurance, it is suitable to work with a great team like QuoteBroker Insurance Services. Our team is ready to help you acquire the right policy that meets your needs.