Category: Insurance

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.

Those that are in the Santa Clarita, CA area are going to want to enjoy this area of California as much as they can. One way that you can do this is by getting a recreational vehicle, which will allow you to enjoy all the local parks and recreational activities in the area. If you decide to get a recreational vehicle, you will want to have the right insurance for it. You need to have this coverage for a few reasons. 

Covers the Vehicle

A reason to have a recreational insurance plan is so you can protect your vehicle. Any type of recreational vehicle will come with an investment that will include the purchase and maintenance of the vehicle. To ensure that this investment pays off, you will want to have insurance to protect it. Proper recreational coverage will give the support needed to replace or fix the asset in a variety of situations.

Liability Support

Recreational vehicle owners should be aware of the liability risk that they take on. If they operate one of these vehicles, they can be held liable if they cause an accident that results in damages or injuries. Fortunately, this risk can be mitigated by getting the right coverage. A full recreational insurance plan will give the appropriate liability support to help mitigate this risk. 

Anyone that lives in the Santa Clarita, CA area and would like to get a recreational vehicle should ensure they carry the right insurance for it. The team with QuoteBroker Insurance Services can help you assess your different insurance needs and coverage options. QuoteBroker Insurance Services will offer the support needed to build a plan that will ensure that you and your recreational vehicle continue to be properly covered with an insurance plan. 

The Santa Clarita, CA area is a great place for people to move to. The nice weather, local amenities, and other advantages can offer a great quality of life. If you move to this area, you may consider renting before committing to a home purchase and mortgage. If you do rent here, you will likely be required to have renters insurance. There are a few reasons why landlords in this area typically require that their tenants carry this coverage.

Provides Liability Protection

A key reason that the landlord will want you to have renters insurance is it offers liability protection. If you are renting an apartment from a landlord and you make a mistake that causes damage to your unit or another property, your renter’s insurance plan will offer coverage to pay for the damages. This will ensure that you have the capacity to make repairs and pay for damages that could arise.

Protects Tenant Assets

Your landlord will also want you to have renters insurance to ensure that your personal assets are protected. If there is ever a fire, theft, bad weather, or other situation that results in you losing your personal assets, you will want to be reimbursed for your loss. If you are covered with renters insurance, it will ensure that you can work with your insurance provider for reimbursement. 

A Santa Clarita, CA renter will almost always need to have renters insurance when moving into a new home. If you are shopping for a new insurance plan in this area, it would be wise to call QuoteBroker Insurance Services. The team with QuoteBroker Insurance Services can answer your questions and ensure that you have the support you need to choose a new plan. 

If you are a resident of the city of Santa Clarita, CA and want to know more about boat insurance in your area, there are places you can go for this information. One is QuoteBroker Insurance Services.

In the state of California, boat insurance is not required legally. However, it would be a brilliant idea to get boat insurance since having a boat will come with certain risks. If you experience damage to your boat or yourself while you are on it because of an event such as a collision, it would be good to have certain boat insurance coverage types. These include the following:

• Liability
• Collision
• Comprehensive
• Emergency
• Medical
• On-water towing and labor

Even though you don’t technically need boat insurance in the state of California, it would be a good idea to have it as long as you have a boat or some other type of personal watercraft. You never know when a mishap could happen, and it is always good to be prepared in the event of one.

You are not required to have boat insurance or a boater’s license in the state of California, but it is a good idea to know all of the necessary rules when it comes to operating a boat and to be insured anyway. One rule that is good to know is that if your watercraft is longer than eight feet in length, you will generally need to have it registered with the California DMV.

If you live in Santa Clarita, CA and are interested in learning more about boat insurance in the state of California, you should feel free to contact the professionals at QuoteBroker Insurance Services. They will be able to answer any questions that you might have and potentially point you in the right direction when choosing a policy of your own.