The Basics of Car Insurance in Santa Cruz

It can be hard to see the value in car insurance. After all, it’s merely something a driver is required to pay for unless they are in an unfortunate situation where they need to use it. Understanding the basics of Car Insurance in Santa Cruz can make the decision on the type of policy to buy a little easier.

Why Everyone Should Have It

By purchasing insurance, the driver gets a promise that the company will pay if a covered event happens to them. Depending on the type of policy a driver buys, they could be covered if they accidentally hit a pole in a parking lot, if someone steals their car or if they are involved in an accident with another driver who doesn’t have insurance. Without a car insurance policy, drivers in these situations would have to pay for the damages out of their own pocket.

What Type of Policy to Buy

Different types of Car Insurance in Santa Cruz cover different events. Generally, policies that cover more cost more. For example, the least expensive car insurance plans only cover the insured person’s liability. If they hit someone else’s car, the other driver will get reimbursed for damage or personal injures. However, a driver who only has liability coverage will have to pay for repairs to their own vehicle on their own if that happens.

The more expensive policies cover many things a driver may never use, but they offer more peace of mind. A comprehensive policy typically covers things like damage to a vehicle due to hitting an animal on the road. Although some people do suffer this type of damage, it doesn’t happen to everyone. It can also cover vandalism and damage to a car from natural disasters.

Car insurance is complex and buying a policy based on price alone might result in a driver paying for damage that might have been covered if they’d spent a little more money on policy. Coastautoinsurance.com is the best place to look for car insurance information in Santa Cruz. By starting with an online quote, drivers can compare different policies and get the best coverage they can afford.

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