Auto Insurance in Cerritos, CA
Auto insurance can be crucial to a sound financial plan, as it may help cover your accident-related liability. Depending on your coverage, car insurance may also help replace or repair your vehicle after a covered incident or accident.
Contact Mikel's Insurance Services in Cerritos, CA, to get an auto insurance policy that complies with state laws and provides the financial protection you need most.
How Much Does Auto Insurance Cost?
Auto insurance premiums are influenced by various factors that typically include the driver’s age, claims history, driving record, location, coverage level, deductible amount and information about the insured vehicle.
Your agent can help you get the best possible auto insurance rates without sacrificing coverage.
What Is Comprehensive Auto Insurance?
Comprehensive auto insurance may help cover damage to the insured vehicle due to noncollision events, which typically include the following:
- Natural disasters
- Falling objects
What Auto Insurance Is Required by Law in California?
Each state has specific auto insurance requirements. In California, drivers are typically required to maintain minimum amounts of auto liability coverage, which may help cover third-party bodily injury and property damage claims in the event of an accident.
Your insurance agent can help you understand California’s minimum auto policy requirements. They may recommend purchasing more than the minimum required amount of liability coverage to ensure adequate financial protection.
How Do Auto Insurance Deductibles Work?
An auto insurance deductible is the amount you pay before insurance coverage kicks in to help repair or replace your vehicle after an accident. Deductibles commonly range from $250 to $1,000 but may vary depending on your specific policy and insurer. Opting for a higher deductible often results in lower car insurance premiums. However, it is crucial to consider the affordability of the deductibles in your auto policy.
How Do Auto Insurance Claims Work?
When an incident occurs, the policyholder immediately files a claim with their insurance company.
During the claims process, the insurer reviews the details provided, such as police reports, photographs and witness statements, to determine fault and liability. Once the investigation is complete, the insurer calculates the appropriate compensation amount based on the policy terms and coverage limits.
The policyholder is typically responsible for paying any applicable deductible before receiving compensation.
Contact Mikel's Insurance Services today to compare car insurance quotes from reputable insurers.