Loan / Lease Gap Coverage

Auto Insurance Imagine the following scenario: You are spending a Saturday afternoon looking for a vehicle to purchase or lease. You drive to the dealership, find the car you want, negotiate price, make a down-payment, and sign some paperwork. Those keys are yours now. You drive the...

Vehicle Discounts

Auto Insurance How much are you paying for auto insurance? Whether you’ve had prior coverage OR you’re insuring a vehicle for the first time, you may be eligible for vehicle discounts. Insurance companies generally offer discounts to students, doctors, nurses, teachers,...

Auto Violations

Auto Insurance Will auto violations affect my insurance? Insurance companies typically permit 1 minor violation every 3-5 years. Examples of minor violations include disobeying a traffic light, making an illegal U-Turn, not wearing a seat belt, driving with illegal tint or a carpool...

Auto Liability

Auto Insurance How much auto liability is necessary?   California has minimum liability limits of 15/30/5. This means $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident and $5,000 of property damage liability.  These limits are...

Medical Payments Coverage

Auto Insurance What is this mysterious auto coverage? Medical payments coverage is primarily for your passengers if they are ever injured while you are driving. The coverage can also be used if you are injured as a passenger in someone else’s vehicle. It serves purpose if you...

Uninsured / Under-insured Motorist Coverage

Auto Insurance Understanding the coverage 1/7 California drivers are uninsured OR under-insured. It is illegal in California to operate a vehicle without auto liability. With that said, California requires 15/3/5 liability limits as a minimum requirement. This means $15,000 of...