Do I Need Full Coverage Auto Insurance for My Electric Car?

Congratulations! You’ve finally done it. You took the plunge and bought an electric car. Now that you’ve made this major purchase, you must protect your investment with full coverage auto insurance. This blog post will discuss three key benefits of full coverage auto insurance for electric car owners in Pomona, CA.

Security

When you have full auto insurance coverage, your car is fully protected in an accident or other covered incident. With comprehensive collision coverage, you won’t have to worry about footing the entire bill if your car is damaged or totaled in an accident. Instead, your insurance company will pick up the tab (up to your policy limits, of course). A THINK Insurance & Financial Services representative can help you select the proper coverage limits for your needs.

Lower Repair Costs

If you only have liability insurance, you’ll pay 100% of the repair costs if your car is damaged in an accident deemed to be your fault. However, if you have full coverage auto insurance, your insurance company will foot a portion of the repair bill (again, up to your policy limits). This can save you considerable money over time, especially if you’re involved in multiple accidents.

Coverage for Non-Accidents

Full coverage auto insurance also protects your car in the event of non-accident damages, such as hail damage, theft, and vandalism. If one of these perils damages your vehicle, you’ll be glad to have comprehensive and collision coverage to fall back on.

There are many benefits to having full coverage auto insurance for your electric car. To learn more about coverage in Pomona, CA, contact your THINK Insurance & Financial Services representative.

Tips to Help Prevent Accidents When the Roads Are Wet

At THINK Insurance & Financial Services, we provide auto insurance to residents in the greater Pomona, CA area. We have seen our fair share of accidents caused by rain and slick roads, and we want to help our customers stay safe if they travel when the roads are wet. Here are a few tips that may help prevent accidents when the roads are wet. 

Ensure Your Tires Have Enough Tread on Them

One of the best tips to keep you safe when driving on slick terrain is ensuring your tires have enough treads. If your tires are worn down, they cannot grip the road either, leading to slipping and sliding. If your tires are nearing the end of their lifespan, replace them before the rainy season. 

Slow Down and Drive Properly For the Conditions

Another tip to help prevent accidents while driving when the roads are wet is to slow down and drive appropriately for the conditions. Never speed in the rain, as this can lead to an accident. If you have trouble seeing or navigating in the rain, drive slower than the suggested speed limits. 

Keep More Distance Between Cars and Avoid Heavy Braking

Lastly, when driving in the rain or on slick roads, ensure you keep enough distance between cars and avoid heavy braking. You need more space to brake on slick roads, and heavy braking can lead to your vehicle sliding on wet roads. 

One of the best ways to stay safe when the roads are wet is to avoid driving unless you have to. If you have to drive on slick roads, always follow the above tips to help you stay safe. If an accident does occur, having excellent auto insurance is important. The staff at THINK Insurance & Financial Services, serving the greater Pomona, CA area, can help you with the best auto insurance for your needs. Call or email us today to learn more. 

Things to do to get your vehicle ready for summer

With more than 24,000,000 licensed drivers in California, chances are you will have plenty of company when you decide to hit the road. Pamona, CA is located in densely populated Los Angeles County.

At THINK Insurance & Financial Services, we are one of California’s largest independently owned insurance agencies. We are committed to providing our customers with the service and prices they are looking for. 

With summer just around the corner, it is time to start preparing for all the driving that comes with summer. You want your car to be at its best and, most of all, to be safe. 

Check your tires

If you plan on enjoying the road during the summer, it’s vital that you make sure that your tires have enough tread to get you safely through your trips. If your tires show signs of wear, make an appointment to get new ones installed. Make sure that you have a tire pressure gauge, a pump, and a can of Fix a Flat in your trunk. Check to make sure you have a spare tire and a jack. 

Get the air conditioner checked

Making sure that your A/C is working well will keep you from having some very uncomfortable trips. You should get your unit checked yearly. 

Replace your windshield wipers

Nothing is worse than being caught in a rainstorm with faulty wipers. It can be hazardous. 

Check all your fluids.

Ensure that your radiator is filled and that your oil, transmission, and steering fluids are all topped off.  This should all be taken care of as part of a visit to your local oil-changing business or auto dealership. 

Contact THINK Insurance & Financial Services in Pamona, CA if you want the benefits that only an independent insurance agent can provide.

The Different Types of Auto Insurance Coverage

There are a few different types of coverage you can choose from when it comes to car insurance. Understanding the differences between these types is essential, as it can help you make the best decision for your needs. Below is an overview of each type of coverage.

1. Collision Coverage

This type of coverage helps pay for damages to your vehicle that a collision with another object has caused. This can include hitting a guardrail, another car, or even a tree. It’s essential to have this type of coverage if you want to be able to repair your vehicle after an accident.

2. Comprehensive Coverage

Are you worried about the damage to your car from things other than a collision? Then comprehensive coverage may be a good option for you. This type of coverage can help pay for repairs or replacement if your car is damaged by events such as fire, theft, or vandalism. If you have a loan on your vehicle, the lender often requires this type of coverage.

3. Liability Coverage

Liability coverage helps to protect you from financial damages if you are found liable for an accident. This can include things like medical expenses and property damage. It’s important to have this type of coverage if you don’t want to be responsible for paying these costs out of your own pocket.

4. Medical Payments Coverage

This coverage helps to pay for your medical expenses after an accident. This can include X-rays, hospital stays, surgery, and more. It’s a good idea to have this type of coverage if you want to be sure your medical expenses are covered.

5. Uninsured/Underinsured

The coverage protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover the damage. This can be a valuable type of coverage, as it can help protect you financially if you are involved in an accident with an uninsured driver.

Need Auto Insurance in Pomona, CA?

Now that you know more about the different types of auto insurance coverage, it’s time to decide which one is right for you. THINK Insurance & Financial Services can help you choose and find the best policy for your needs. Contact us today to get started!

Types of Automobile Insurance You Should Consider

It can be quite confusing when you decide to get a car and then have to find the right insurance for your budget. There are so many different things to consider, that you may not even know where to start.

Here are some of the types of automobile insurance that you may want to consider. 

The basic insurance plan is liability only. This plan is usually not enough because it will only cover medical bills. It will not help you fix your vehicle or replace it if needed. 

For that reason, you may want to look into collision insurance. This will pay for damage to your car if you were in an accident. If it is totaled, they will give you money to help you find a replacement. 

Comprehensive coverage, though expensive, will cover a lot of damage.  It will help you fix your vehicle if it gets damaged due to the weather or a fire. It will also help you recoup your costs if it is broken into. Furthermore, it covers vandalism, floods, and even theft.  

You may also want to get uninsured and underinsured motorist coverage. This will cover your losses if you get into an accident with someone who doesn’t have enough insurance. 

Some people want rental reimbursement coverage in case they need to use a rental at any point. This is optional, but it may be something to consider. 

Though you may want to stick to the minimum amount of insurance, you have to remember that you will only have liability, which will cover medical bills, but that may be about it. If you want to make sure that you get enough insurance, contact us today at THINK Insurance & Financial Services in Pomona, CA. 

California Auto Insurance: Why Comprehensive Insurance is Important

When it comes to auto insurance in California, the minimum requirement is liability insurance. You need to have bodily injury per person and per accident insurance, and property damage liability coverage. You also need uninsured and underinsured motorist coverage. 

There are other risks when you drive on California roads that you may want to consider additional insurance for. Comprehensive auto insurance is one of those additional coverages.

At THINK Insurance & Financial Services, we want Pomona, CA drivers to be fully protected when they are driving.

What is Comprehensive Insurance

Comprehensive insurance is coverage that protects you against your losses when something happens to your vehicle that is not collision-related.

When your vehicle is vandalized or broken into, comprehensive insurance will cover those losses. It will also cover some damages such as if something were to fall on your car. 

Benefits of Comprehensive Insurance

The benefits of comprehensive insurance are that it will repair or replace your vehicle for its actual cash value if something happens to it. If you only have the minimum requirements of auto insurance on your car, liability insurance will not cover you for theft, vandalism, or damages caused by other events such as falling or flying objects.

If you do not have an older car, then comprehensive insurance offers the benefit of covering you for the many risks of driving on California roads.

Get a Quote

The best auto insurance is insurance that covers you for many perils. If you want a more thorough coverage, consider adding comprehensive insurance to your policy. At THINK Insurance & Financial Services, we help Pomona, CA get the auto insurance policy that is best for their needs. Call us for a quote today.

Do I need auto insurance in Pomona?

People in the Pomona, CA area will find there are a lot of great activities to enjoy at any time. When you are looking to maximize your experience in this area, a great option is to get a car. If you are a vehicle owner here, you can find that it will be easier to get around the community. When you want to get a car, you also need to have auto insurance. This is needed for a few reasons.

Coverage Protects Vehicle Owner

A great reason to have auto insurance is to protect you and your vehicle. When you are going to invest in a car, it will be something that you want to enjoy for a long time. A proper auto insurance plan can help ensure this happens. With this coverage, you will have the support needed to repair or replace your vehicle if you incur a loss. 

Insurance is Required by Law

You also should get auto insurance as it is a legal requirement. When you buy a car and drive it on a public road, you are required to carry liability insurance. This form of coverage offers support if you are at fault in an accident. As it ultimately protects all other motorists as well, the state requires all vehicle owners to carry auto insurance. 

If you are a vehicle owner in the Pomona, CA area, you will want to know that you have the right insurance in place. A great way to ensure you have proper protection is by calling THINK Insurance & Financial Services. There are a lot of choices to make and THINK Insurance & Financial Services can help you evaluate your needs and options. With this support, you will be able to select a plan that is ideal for your situation. 

Is State-required Auto Insurance Adequate?

Everyone wants to save. And when it comes to auto insurance, it isn’t uncommon for motorists to buy the state-required minimum auto insurance. But is it adequate? Hang on as THINK Insurance & Financial Services of Pomona, CA advises whether you need more than the state’s minimum car insurance. 

State-required auto insurance in California

Like many states, California requires drivers to carry auto insurance. Here are coverages that car owners are expected to maintain:

  • Bodily injury liability: Covers you when you are legally liable for an accident that causes physical harm to other people. The minimum required is $15,000 per person and twice the amount for accidents relating to more than one person.
  • Property damage liability: Pays for damages that you cause to other people’s property. The minimum amount required in California is $5,000.
  • Uninsured motorist coverage: Provides bodily injury and property damage coverage when you collide with a motorist with no insurance. In California, this insurance is optional, but it’s highly recommended.

As you can see, the minimum coverage limits may not protect you when involved in a severe accident. To avoid sliding into a financial mess, talk to your insurance agent to increase your liability limit. Alternatively, you can consider umbrella insurance to offer you extra liability protection when faced with significant liability claims.

Are the minimum-required auto insurance coverages sufficient?

While observing the state-required minimums is essential, most drivers consider other insurance coverages for optimal coverage. You see, the required auto insurance coverages cover other people but not you and your vehicle. That said, if you need well-rounded protection, consider the below optional coverages:

  • Collision coverage: To cover physical damage to your car when you collide with other motorists.
  • Comprehensive coverage: Protects your vehicle against non-collision-related perils like theft and vandalism.
  • Medical payments coverage: Pays for medical expenses for you and your passengers when involved in an accident. 

Are you looking for auto insurance coverage in Pomona, CA? Please contact THINK Insurance & Financial Services for a competitive quote.

Auto Insurance: Expectations vs. Reality

When most of us shop for auto insurance, we expect to get all the coverage we want for an affordable price. When reality doesn’t materialize, we are often left confused and disappointed. There are many factors and variables that go into determining how much you will pay for your auto insurance. It’s a good idea to explore the realities of the different factors that affect how much you’ll pay for car insurance so that you’ll know what to expect and how to navigate your choices. 

Factors that Affect Insurance Rates…

Yes, this is true. The team at THINK Insurance & Financial Services of Pomona, CA understands this. However, they understand what variables affect how much a diver will pay. If you’re a driver under twenty-five, have numerous traffic violations, live in an urban area, or drive a luxury car, what you pay for car insurance will more than likely be impacted by these factors. 

Why Do These Factors Matter?

As you explore the reasons for a great increase, it becomes clear that certain things may raise risk factors. For example, living in an urban area increases the likelihood of car accidents and theft.  Drivers under twenty-five are typically more inexperienced drivers, which typically puts them more at risk for potential car accidents. Motorists who own and drive luxury cars usually pay higher insurance rates than people who drive cars that have higher safety ratings and lower replacement or repair costs. logically speaking, most of us understand that numerous tickets and traffic violations make us an obvious risk, and as a result, often affect what we’ll pay for car insurance. If you’re a motorist that has questions about what factors may affect your insurance rates, give us a call. Were here to help. Our team at THINK Insurance & Financial Services is committed to helping motorists navigate car insurance and find the best rates and the best types of coverage for their unique situation. 

Required Auto Insurance in California

California requires all drivers to have a way to pay for any accidents that they are liable for. This can be done in any of several ways, but the most common is for drivers to have auto insurance on their vehicles. If you need an auto insurance policy, call us at THINK Insurance & Financial Services in Pomona, CA  for more information or to check out an auto policy.

Minimum Liability Coverages

If you choose to get auto insurance to cover your liability in case of an accident, you’re not alone. While there are other ways, insurance is the easiest way to get this taken care of and to make sure that you are able to handle the costs of an accident that you are at fault for. There is a minimum amount of coverage that you have to have for injury liability. This is one amount for each person who is injured or killed as well as for the injury or death of more than one person in the accident. There is also a minimum amount required for any damage that you do to someone else’s property. 

Other Insurance

While it isn’t a mandatory type of insurance in California, there is also collision or comprehensive insurance. This covers your own injuries and property damage if you have an accident. However, having this type of coverage does not make you a legal driver. Everyone who proves their financial strength through insurance must have the liability types on their vehicles. 

Get Your Auto Insurance

If you need auto insurance on your vehicle, call us at THINK Insurance & Financial Services in Pomona, CA. Make an appointment to talk to a licensed agent who can tell you more about each part of your mandatory coverage.