Jump to navigation

How Much Auto Insurance Do I Need?

from Philip B. Robinson Insurance

How Much Auto Insurance is Enough

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

Laguna Hills Auto Insurance Needs

Every person is unique. To determine your car insurance needs, consider:

  • Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
  • Collision covers damage to your car from an accident. Philip B. Robinson Insurance can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
  • Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
  • Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that California requires certain minimum levels of coverage. The right California car insurance coverage for you is unique - talk to us today to find out how to get the best price and value on Laguna Hills auto insurance for you.

Want to find out more about your Auto Insurance options?

Get an Auto quote And start saving money today!

We can find discounts on auto insurance you may not find on your own. Give us a call, or get an auto insurance quote online today.

Laguna Hills Auto insurance

Umbrella policies Get additional loss protection

Your current insurance may not cover you fully in the event of a catastrophic loss. Learn more.

Bookmark our mobile site visit m.pbrinsurance.com

Information you need, when and where you need it most. More »

Philip B. Robinson Insurance

Jump to navigation

949-474-9300

Mon-Fri 9AM-5PM

Our location

Laguna Hills office

23185 La Cadena Drive, Suite 101
Laguna Hills, California 92653

Additional navigation:

Home page | Contact | About | Companies | Service | Privacy | Search

© 2024 Philip B. Robinson Insurance