Auto Insurance in Albany, CA

Auto insurance is a crucial type of personal insurance that can be tailored to meet your needs. Since auto insurance premiums vary among insurers, it’s vital to work closely with your agent to get the best possible rates.

Contact Freeman Insurance Services in Albany, California, to get personalized auto insurance quotes.

What Is Auto Insurance?

Auto insurance is a contract between the policyholder and the insurance company. After choosing the policies, limits and endorsements you need to get appropriate coverage, you’ll make regular premium payments in exchange for the agreed-on coverage.

If you are in an accident and need to access your insurance coverage, you must contact your auto insurance company to file a claim. The company will assign an adjuster to review your policy documents and work out a settlement according to your agreement with the insurer.

Your auto policy is designed to help protect your financial stability after an accident or incident that causes third-party injuries or property damage. Many drivers customize their vehicle insurance coverage with endorsements and policies to help protect their vehicle and pay accident-related medical costs.

Your agent can help you understand your auto insurance options and tailor your coverage to meet your needs.

What Does Auto Insurance Cover?

Auto insurance helps pay for your legal liability for third-party bodily injury and property damage. California drivers must prove financial responsibility by purchasing minimum liability coverage, purchasing a surety bond or making a cash deposit with the Department of Motor Vehicles (DMV).

California’s liability coverage limits are low and may not cover your entire legal liability if you cause an accident. Your agent may recommend that you purchase more coverage than California requires.

In addition to liability coverage, many California drivers choose the following:

• Comprehensive and collision insurance may help repair or replace the covered vehicle if it’s in an accident or sustains damage from other incidents such as theft, natural disaster or vandalism.
• Medical payments (MedPay) may help cover accident-related medical bills for the driver and passengers.
• Uninsured/underinsured motorist coverage may help pay for your car repair expenses and medical bills if you are in an accident with a driver who does not have enough (or any) auto liability coverage.

If you finance or lease a vehicle, the lienholder requires full coverage insurance, including comprehensive and collision coverage.

Your agent may also recommend that you add the following:

• Rental reimbursement
• Roadside assistance
• Gap insurance
• Rideshare insurance
• How to Get Auto Insurance

Contact the auto insurance experts at Freeman Insurance Services today to get auto insurance that complies with California’s minimum liability requirements and provides the protection you need most.

Contact Freeman Insurance Services today to get your auto insurance coverage from reputable insurance companies at a great rate.