Auto Insurance in Hayward, CA

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged.

An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming.

Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

• Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.

• Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including California, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
  • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
  • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

• Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
• Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

• Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Factors That Impact Your Rates in California

Auto insurance premiums can vary significantly depending on your unique circumstances. Carriers must weigh many factors when assessing your risk levels and providing an auto insurance quote. This process may often include an analysis of the following:

• Driving history—Your driving records are critical. If you’ve had a history of traffic violations and accidents, you can generally expect to pay more for coverage.

• Vehicle details—Newer and more valuable vehicles are typically more expensive to insure, although certain advanced safety features may also help garner savings.

• Location—Living in areas prone to natural disasters or higher traffic and crime rates may incur higher costs.

• Claims history—Going several years without filing a claim can earn you discounts. Conversely, if you’ve filed multiple claims in recent years, carriers may charge more.

• Policy details—Your policy’s coverage limits, deductible, endorsements and other specifications are critical aspects of determining costs. For example, a higher deductible may help you save on your premiums, but you’ll need to pay more out of pocket after a covered loss.

How to Get Auto Insurance

SaveGuard Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.