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.

How Do Tickets for Using a Cell Phone Impact Your Auto Insurance?

In the state of California, you can receive a ticket for talking, texting or using your cell phone while you are driving. While most drivers in the state are aware of this law, many people are unaware of how your auto insurance may be impacted if you use a cell phone while you are driving. At THINK Insurance & Financial Services, serving the greater Pomona, CA area, we want to help you better understand how using a cell phone can impact your auto insurance in California. Here is more information. 

Using a Cell Phone is Not a Moving Violation

In some states, using your cell phone while driving is a moving violation. This means that the violation will most likely impact your auto insurance rates. In the state of California, using your cell phone while driving is not considered a moving violation. 

Each Insurance Company Has Different Policies

While using your cell phone while driving is not a moving violation, insurance companies can see the violation. The way they decide to handle it is up to them. Some companies will only increase your rates for moving violations, while other companies can view you as more of a risk or liability due to the infraction. If you have received this type of ticket, there is no way to predict how it will impact your auto insurance in California. 

The way a cell phone ticket is handled varies from company to company in the state of California. The best way to keep yourself safe and prevent your insurance rates from increasing is to not use your cell phone while you are driving. Are you looking to purchase a new auto insurance policy in the greater Pomona, CA area? THINK Insurance & Financial Services can help you find the policy that is best for you. Visit our website now to obtain an estimate. 

What Affects Car Insurance Prices the Most?

Living in Pomona, CA, most people need a car. There are a lot of things that will help you determine what car you want and ultimately purchase, but too many people overlook insurance when they make these decisions. You can think of your premium as an extension of your car payment. Fortunately, THINK Insurance & Financial Services has this list of things that impact insurance rates. When you understand how prices are set, you have more control over how much you have to pay.

Financial Risk

Insurance, in general, is built on the concept of risk assessment. There are a lot of things that make a particular car policy higher or lower risk. Where you live, even down to the exact block in Pomona, CA, impacts risk (rate of accidents and theft are calculated). Your age, gender, and job all play a role in assessing your risk of causing an accident. Topping all of this is your credit score. It can be frustrating, but it plays a big role in determining your rates.

Not all of this is easily controlled. If you’re in an accident-prone neighborhood, you might have to look at other ways to keep your rates down. That’s where the second assessment comes into play.

The Car

The car itself has more say in the cost of your policy than anything else. Insuring a Lamborghini is more expensive than insuring a used Civic, even if you only purchase minimum liability. The vehicle’s safety rating, seating capacity, age and theft protection all add into these calculations. When you’re thinking about insurance, the most control you have over the rates is in your vehicle selection.

There are other things that will change your prices in Pomona, CA, but they hold less impact than financial risk and vehicle choice. Still, if you have any questions, you can always reach out to THINK Insurance & Financial Services.