Auto Insurance Tustin California
Verifying Your Coverage Limits
When it comes to taking a look at your current auto limits, you have to remember what those limits are actually for, as well as why you may want to increase (or decrease) them. One thing is for sure above all else, however: when you are looking at car insurance, keeping with state minimum limits does satisfy the law, but it is also very dangerous and could leave you exposed if you get into an accident or have a claim. You should speak with a professional from Rais Insurance about the best auto insurance Tustin has available.
Why Not Minimums?
The idea with accepting a plan that has minimum limits is scary. On the one hand, you have to be able to look into the level of risk that you are comfortable bearing, and premiums are oftentimes a factor. However, you also need to be aware of what a minimum limit is. For some states, it can be as low as below $20,000 dollars. In the state of California, you only have fifteen thousand dollars for injury liability to one person, thirty thousand for all injuries, and five thousand for property damage. If you are at fault for an accident, then you could easily use up the whole amount just on the first person if the accident caused severe injuries and damages to the other parties involved in the incident.
Understanding Additional Problems
You also do not need to go too high, either, because the higher your limits go, the more you will have to pay. However, from a rating point of view, you also want to be sure that you can actually be covered if the worst case scenario does occur and you wind up causing serious damage. What would you do if your car slams into the side of a home and causes massive damage? What if you cause a multiple car accident? What you need to do is to speak with a certified and licensed agent from Rais Insurance and inquire as to how to obtain quality auto insurance in Tustin so that you can be covered for all of your realistic exposure.