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What You Need to Know About California Car Insurance

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Before you go with the first quote online, be sure to know about California car insurance.

Most California motorists purchase their auto insurance directly from carriers or through agents. If you purchase liability insurance, your coverage must meet the following requirements:

  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.

It is advised that you purchase additional coverage. For example, you can buy comprehensive coverage which protects you if your car is damaged from incidents such as storms, thefts, and falling objects.

Luckily, there are multiple ways to save money on car insurance!

Good Driver Discount
A good driver in California is eligible for a 20 percent discount of their insurance premium. The California DMV website notes what qualifies as a good driver.

Insurance Program for Low-Income Drivers
To qualify for a discount, you must be single with an income below $28,725, or a family of four living on less than $58,875. Which county you reside in will determine the discount of your premium.

Good Student Discount
If you, or your child, attend school or college and are averaging good grades, then you can be eligible for a discount on your premium!

Car Features
More often than not, if you park your car in a garage over night, drive less than the average amount of miles per year, or have updated safety features such as day-time running headlights and automatic seatbelts, you can receive a discount on your auto insurance policy!

Personalized Car Insurance in California
Specializing in auto insurance, Cappuccino Insurance Agency, finds our clients the best coverage policies at competitive rates. We are conveniently located in Westlake Village, California, so stop by our office or give us a call today for a personalized quote!

Understanding Your Auto Insurance Coverage

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Auto Insurance Terms

When deciding how much auto insurance coverage you need, it can be a difficult and even confusing decision. With all the special terms in auto insurance policies, it can be hard to make sure that you are getting the coverage that you deserve. To ensure that you choose the right policy, make sure that you know what these confusing car insurance terms mean.

  • Bodily injury liability – as a required coverage in California, bodily injury liability will cover any medical bills if you injure another person during an accident that you are found to be at fault for. Keep in mind that this coverage will not provide any protection for injuries that you or your passengers sustain.
  • Comprehensive coverage – sometimes known as “other than collision coverage,” comprehensive coverage will pay for any damages to your vehicle that occur in an incident other than an accident, such as damage incurred during theft or fire. Keep in mind that any damage that is caused outside of an accident will be your responsibility to pay for if you skip out on comprehensive coverage.
  • Property damage liability – if you hit another person’s car or property, property damage liability will cover the cost of the repairs.
  • Personal injury protection – also known as PIP, this coverage will pay your own medical bills if you are injured during a car accident. PIP will also cover any lost wages and funeral expenses after a car accident. In most cases, it will also provide coverage for any passengers that are injured during the accident.

For all of your auto insurance needs and to ensure that you have the right amount of protection, contact the insurance professionals at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to make sure that you fully understand your auto insurance coverage.

Properly Protecting Your Business From a Disaster

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Business Insurance For Disasters

When you own a business, you do all you can to protect it from a disaster, including investing in the right insurance policies. However, if you are relying on just your business owner’s policy to provide coverage, you may not have enough protection. Make sure to consider these business insurance policies to ensure that you are not left paying for repairs out of your own pocket.

  • Insurance for your structure – your commercial property insurance policy will provide protection if the structure of your building is damaged during a disaster. As an added bonus, your commercial property insurance policy will also provide coverage for your equipment that is damaged. If you have any specialty equipment that is valuable, you may want to invest in extra coverage. Talking with your insurance agent will give you a better idea of how much coverage you need.
  • Insurance for your commercial vehicles – your existing commercial vehicle insurance policy will provide coverage for any damage that is done to your company cars during a disaster, as long as you have comprehensive coverage. Comprehensive coverage will provide protection for any damage that is done by a disaster other than a car crash.
  • Insurance for flooding – the only way to protect your business from damage that is done by a flood is to invest in a specific flood insurance policy. If you are relying on your property insurance policy, you will be left paying for all the damages that are done during the flood.

For all of your business insurance needs, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of protection for any disaster, all at the right price to fit your budget.