Auto Insurance in Carmel, CA
Many states require a certain amount of liability coverage for bodily injury and property damage. Your agent may recommend that you also have collision, comprehensive and underinsured/uninsured motorist coverage. Contact Monroe-Kelly Insurance Services Inc in Carmel, CA, for a personalized car insurance quote.
What Factors Affect the Cost of Auto Insurance?
Depending on your state and insurer, the cost of auto insurance may be influenced by several factors, such as the driver’s age, claims history, driving history and location. Other factors that may impact insurance premiums include the level of coverage, deductible amounts, vehicle age and type and discounts available.
What Is Comprehensive Auto Insurance and What Does it Cover?
Comprehensive auto insurance is a type of coverage that provides financial protection against non-collision events, such as theft, vandalism and natural disasters. This type of insurance typically helps cover damages to the insured vehicle minus the deductible.
Is Collision Insurance Necessary If I Have Comprehensive Coverage?
While comprehensive coverage financially protects against non-collision events, collision insurance is still necessary if you want coverage for vehicle damage from accidents with other vehicles or objects. Together, these two types of coverage provide more complete protection for your vehicle than just one or the other.
If you finance or lease a vehicle, the lienholder or leasing company may require full coverage auto insurance, including comprehensive and collision coverage.
Contact Monroe-Kelly Insurance Services Inc today to start building an auto insurance plan tailored to meet your needs.