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. 

Safe Driving Tips for California Roads

California has some long stretches of highways. It’s dominated by more than 500,000 miles of roads. It’s the perfect contender for a road trip. No matter how you travel, whether you’re taking the expressway to work or just going for a weekend sightseeing trip, you need to stay safe on the road. THINK Insurance & Financial Services in Pomona, CA would like to share a few driving tips to keep you safe when riding on California roadways.

What You Can Do

  • Following too close. Don’t get too close behind a vehicle. If you need to use the 2-second rule. When the car in front of you passes an object count 2 seconds before you pass that object. The rule increases to 4 seconds in incrementally bad weather.
  • Be defensive. Don’t just watch what’s going on directly in front of you. Keep an eye on the surrounding drivers, so you can act quickly if an unexpected event occurs.
  • Cell phone usage. Nowadays, you can use voice commands to control actions on your phone. It’s not necessary to hold your phone and text in the car. Pulling your eyes away from the road for a second could risk you endangering your life or someone else’s.
  • Don’t drink and drive. Alcohol impairs your vision, judgment, and reaction time. Have a sober friend drive or get a ride service to pick you up if you’re going to drink alcohol.

Insurance Protection

Another way to keep yourself safe on the road is to have quality auto insurance. You should go over your insurance policy each year to add or change coverage based on your situation. The insurance agents in Pomona, CA at THINK Insurance & Financial Services can help you get on the road with auto insurance. While you’re there ask about home, life, and commercial insurance.

How can an auto insurance policy in California protect me?

Anyone that lives in the Pomona, CA area should consider getting a car as it will make it much easier for you to get around town. If you do purchase a car here, it is important that you fully consider all of your insurance needs. Getting auto insurance is a great idea for anyone here as it can protect someone in many different ways. 

Protects Vehicle

One of the reasons to get auto insurance is that it can protect your vehicle. If you purchase a car, you are going to be making a very big investment. If you were to get into an accident or the car is stolen, you will need to spend a lot of money to repair or replace the vehicle. Fortunately, your auto insurance policy will give you the protection you need to cover this expense.

Gives Liability Coverage

Another advantage of auto insurance is it will give you liability coverage. Anyone in California should be aware of the liability risk that they take on at all times. With an auto insurance policy, you will receive protection for this risk. If you were to cause an accident and damages, your auto insurance policy will give the coverage you need. 

If you are going to purchase a car in the Pomona, CA area, it is very important that you get auto insurance as it will protect you in several ways. When you are looking for your next policy, picking the right one can be complicated. Due to this, you should reach out to THINK Insurance & Financial Services to get all of the assistance and support that you need. The team at THINK Insurance & Financial Services can help you to choose a policy that is right for your situation.

How Often Can My Friend Drive My Car Before I Need To Add Them To My Policy?

Most insurance companies that serve Pomona, CA will have no problem with you lending your car to a friend or family member every now and then, whether or not they’re on the policy. You’ll want to read your policy to be sure, but it’s rare that an insurer will deny a valid claim for an accident that happened while your friend was driving the car. This is, of course, assuming that your friend is fully licensed and not doing anything illegal. But it’s generally not a big deal.

The complications arise when your friend is driving your car so frequently that it’s basically their car, too, at this point, and when someone who works for you is driving the car.

If you have, say, a babysitter who drives your car to pick the kids up, then you need to call your insurance provider and find out what their rules are regarding people in your employ borrowing the car to perform paid tasks for you. Likewise, if you have a friend or family member who borrows your car once a week, or even more frequently than that. At this point, that’s not one-off lending of the car, but a part of the car’s regular routine.

As usual, the best policy is to let your insurer know. Your insurer can be more flexible than you realize when it comes to this sort of thing, but they need to know what they’re covering if they’re going to cover it.

If you’re still shopping for insurance in Pomona, CA, get in touch with THINK Insurance & Financial Services. THINK Insurance & Financial Services can connect you with the policy you, and your friends, need to drive safely.

3 Reasons to Take a Defensive Driving Course

Defensive driving courses are not just for high school kids and new drivers. In fact, many people are choosing to sign up for the online classes for several different reasons. At THINK Insurance & Financial Services, the agents are available to Pomona, CA residents if they have questions about taking a defensive driving class.

Refresh Your Knowledge

Defensive driving courses are designed to not only teach new drivers but also refresh what experienced drivers may sometimes forget. Taking a refresher course is a great way to review your existing information and make sure you remember some of the more important things that tend to go by the wayside.

Find Out What’s New

Defensive driving courses are continually being updated to provide users with the most accurate information. Taking a course every two or three years will ensure you know what changes have been made to existing laws and how they will affect you.

Discounts on Insurance

Defensive driving courses can also help you get a discount on your auto insurance. Insurance providers encourage their customers to take these classes so they know they are trying to be the best driver they can be. Once you have completed the course make sure your agent gets a copy of the certificate to put with your file.

The agents at THINK Insurance & Financial Services work diligently to help keep their clients safe on the road. They recommend that their customers in Pomona, CA take defensive driving courses to keep up to speed on new laws and safety measures. Speak to an agent today to find out where you can find the best class online.