Responsabilidad ante terceros
Lesiones y daños que usted cause, con límites acordes a lo que tiene que perder.
Seguro de Auto
Responsabilidad civil que protege lo que tiene, y cobertura para el auto acorde a lo que vale. Comparamos aseguradoras y volvemos a cotizar cuando su situación cambia.
Protección para el camino y para todo lo que posee
La parte de responsabilidad protege sus ahorros tras un accidente donde usted tuvo la culpa. La parte del vehículo repara o reemplaza el auto. El equilibrio correcto lo es todo.
Su auto
Colisión y cobertura amplia para choques, robo, cristales, incendio y clima.
Conductores sin seguro
Sus lesiones cuando el otro conductor tiene poco o ningún seguro, algo común en California.
Para todo tipo de conductor en California
- Personas que viajan a diario y quieren límites acordes a su patrimonio
- Hogares agregando un conductor adolescente
- Dueños de autos antiguos haciendo las cuentas
- Cualquiera cuya tarifa sube año tras año
Qué cubre y qué no
Generalmente cubierto
- Liability to othersInjuries and property damage you cause driving, the part California law requires.
- Your carCollision covers crash damage. Comprehensive covers theft, glass, fire, and hitting an animal.
- Uninsured motoristsYour injuries when the at-fault driver has no insurance or not enough.
- Medical paymentsSmaller medical bills for you and your passengers regardless of fault.
No cubierto aquí
- Rideshare and delivery gapsPersonal policies generally exclude driving for an app. That window needs rideshare coverage.
- Business use of the vehicleA car used mainly for work may belong on a commercial auto policy.
- Wear and mechanical breakdownBrakes, transmissions, and maintenance are not insurance losses.
- Intentional damageDamage you cause on purpose is never covered.
Preguntas frecuentes
How much liability coverage should I carry?
California's legal minimums are low compared to what a serious accident actually costs. If you own a home or have savings to protect, higher limits usually cost less than people expect, and they are what stands between a bad accident and your assets. We quote a few limit levels so you can see the difference.
What deductible should I pick?
The deductible is the part of a claim you pay yourself. A higher one lowers your premium but means more out of pocket after a loss. The honest test is what you could comfortably pay tomorrow. We will show the premium at more than one deductible.
Do I need comprehensive and collision on an older car?
It depends on the car's value against the premium plus deductible. At some point the math stops working, and liability-only becomes reasonable. We will run that math with you rather than sell coverage you do not need.
Does my policy cover rental cars?
Your liability and, if you carry them, collision and comprehensive usually extend to a rental in the US. Gaps like loss-of-use charges exist, which is why the counter offers a damage waiver. We will explain what your specific policy does before you decline it.
Will a ticket or accident raise my price?
Usually yes, for a few years. Different carriers weigh driving history differently though, which is exactly where a broker helps: when your record changes, we re-shop the market for you.
Coberturas que combinan con esta
Obtenga una cotización de auto con límites a su medida
Bastan unos datos de conductores y vehículos. Nosotros hacemos la comparación por usted.