Articles in “Auto”

Getting Your Online Auto Insurance Quote in California

Online Auto Insurance Quote in California

Online Auto Insurance Quote

Living in the modern world means that you have very little time to spare. The to-do list seems to grow bigger and bigger every day until finally, you can’t ignore it anymore. Is one of the things on that list getting an auto insurance quote? Well, obtaining an online auto insurance quote in California is easier than you think. There are independent insurance agencies out there who understand your schedule can be overwhelming at times, and make it their priority to minimize the hassles of securing auto insurance. Getting an auto insurance quote online is quick, easy, and allows you to move on with your day.

UNDERSTANDING YOUR INSURANCE:

It is not uncommon to feel like you are in the dark regarding the in’s and out’s of California auto insurance. It is not your job to know the details of every policy or understand all the fine print. Lack of knowledge, may, however, lead to you paying more for your premium than necessary. Basic knowledge can go a long way in obtaining an affordable online auto insurance quote that you understand.

Did you know the type of car you drive can affect your monthly payments? Insurance companies collect data on things like engine malfunctions, accident rates, theft rates and more. The way you use your car can also play into the construction of your quote. Be honest with your agent as to whether you are driving for business or for leisure, and it could end up saving you money. The point is, you want coverage that will benefit you and cover you in the event of an accident or emergency but won’t cripple you financially. We all have financial commitments, and there are agencies out there who understand that. Getting that online auto insurance quote will allow you to fully understand your financial responsibilities and let you breathe easily, knowing you are covered at an affordable rate.

YOUR OPTIONS:

You may think that getting insurance is not that big a problem and doing it yourself may save you some money. Calling, comparing, asking questions, understanding fine print; all of this is time-consuming and can sometimes make you, the customer, feel lost and confused. There are options available to you that don’t have to leave you feeling so frazzled. Contacting an independent insurance agency will optimize your experience and minimize the turmoil of dealing with multiple sources. Independent agencies pride themselves on working for one client and one client only: you.

Shopping around has never been easier, because well, you don’t have to be the one to do it. Let your agency contact their carriers to find customized auto insurance quotes that work for you, and are easy to understand. Or simply go online yourself and get an instant quote. The key is trusting in your insurance agency, and most people find it much easier to trust a family owned, an independent agency that works for the benefit of each individual customer. Truth be told, sometimes it is harder to trust a large corporation. We sometimes feel like a number in the ticket line, while listening to the hold music, and pressing “1” or “0” or whichever number will get you to a live agent to speak to. What a refreshing change it is, to put your trust in an agency that understands people, family and your precious time.

As an indeauto insurance quote online pendent, family-owned agency in California, Promax Insurance is so proud to be in operation for more than 50 years combined experience. The mission is to provide customized support for each and every one of their customers. Everyone is different, so your insurance should be as well. Understanding that most agencies only offer one brand of insurance, Promax is proud to be able to shop around many carriers and find the insurance that you can afford that will cover you accordingly. Now you can take your to-do list, draw a line through “get auto insurance” and enjoy the rest of your day!

Que es “Cobertura Total” (“Full Coverage”)?

Promax Insurance AgencyMucha gente me pregunta por un presupuesto con “cobertura total”. Una vez, tuve un señor solicitar un presupuesto por “básica cobertura total” pero deseaba estar “totalmente cubierto por lo que podría ocurrir” en caso de un accidente.

Le expliqué que es imposible tener ambos, básico e ilimitados, y que el seguro solo le cubre hasta el límite que el selecciona. La verdad es que no existe la cobertura ilimitada, pero trabajamos con nuestros clientes para obtener la cantidad de cobertura que desean. El verdadero problema aquí es que no hay ninguna definición consistente del término “cobertura total”. A una persona, esto podría significar límites mínimos con cobertura integral y colisión (comprehensive y collision) añadida, mientras que a otra persona, “cobertura total” puede ser definida como todo esto, mas remolque, coche de alquiler y pagos médicos.

Como es tan confuso, evitamos usar el término “cobertura total” aquí en Promax Insurance Agency, Inc. Usted puede oír la terminología de “cobertura total” por el público en general y podría ser engañoso. No hay manera que “todos los escenarios” de riesgo de auto que son posibles, siempre estén cubiertos.

Cuando nos llame por un presupuesto, nos gusta empezar por determinar exactamente que cobertura va a comprar, a continuación, hacemos un “manzanas con manzanas” comparación de presupuestos para ver si le podemos ahorrar dinero con una variedad de compañías que ofrecemos. Asegúrese de tener su póliza actual para referencia para que el nuevo presupuesto incluya la misma cobertura y límites de su póliza actual. Y siempre asegure de obtener todos los presupuestos por escrito para hacer absolutamente seguro de que la cobertura citada cumple con sus necesidades.

Top 2 Ways for Families with New Drivers to Save Money

money saving tips

A teenager in your household can cost you a lot of money. Here are Promax Insurance Agency’s top two money saving tips for parents of new drivers.

Money Saving Tip #1 – PLAN AHEAD.

Most insurance companies will offer a significant discount if your child has a 3.0 GPA or greater and maintains a full-time status of class load (12 units or more for college).

Talk to your teenager now about how their grades might impact the affordability of car insurance when they are ready to drive.

Money Saving Tip #2 – Purchase an older but reliable car with cash (no loan or financing)

Because of your minimal investment of your car, you will only need to purchase insurance that covers damage to the other cars you hit or other drivers. This will potentially cut your cost in half and can save you thousands of dollars over the first few years of driving.

A common misconception is that you will save money by adding your son/daughter as a “part time driver” on a parent’s vehicle. In reality, the rate is based on the newest driver, so the cost of the vehicle they are put on will increase significantly. Buying an old car will save you the most money, and depending on the insurance company, will allow your new driver to drive all policy vehicles.

It is possible to save money with new drivers and Promax Insurance Agency is available to help. Always remember, no cell phone use while driving. Be smart and be safe and save some money along the way!

 

What is “Full Coverage”?

full coverageMany people ask me for a car insurance quote with “full coverage”. I once had a gentleman request a quote for “basic minimum full coverage” requirements, but he also wanted to be “fully covered for whatever might happen” to him in an accident.

I explained to him that it is impossible to have it both ways (basic and unlimited) and that the policy will only cover him up to the policy limits that he selects. The truth is, there is no such thing as unlimited coverage, but we work with our clients to get the amount of coverage they want. The real problem here is that there is no consistent definition of the term “full coverage”. To one person this might mean minimum limits with comprehensive and collision coverage added, whereas to another person, “full coverage” may be defined as all that plus towing, rental car, and medical.

Because it is so confusing, we avoid using the term “full coverage” at Promax Insurance Agency, Inc. You may hear “Full coverage” terminology used by the general public and it could be misleading. There is no way that “all scenarios” of possible auto risk are always covered.

When you call us for a quote we like to start by determining what exact coverage you are shopping for, then we do an “apples to apples” quote comparison to see if we can save you money on identical coverage by shopping a variety of carriers. Be sure to have your current policy available for reference so that the new policy quotation includes the same coverage and limits as your current policy. And always be sure to get all quotes in writing to make absolutely sure the coverage quoted meets your needs.