For most of us, our cars are our freedom and are worth protecting. At Salmon Bay Insurance, we do the research and insurance shopping for you, making sure you get the best auto insurance coverages in California, Oregon, and Washington State at the best value from trusted carriers.
Auto insurance is a requirement in most states for all types of vehicles such as cars, trucks, and other road vehicles that are used on public roads. The primary functions are to provide 3rd party liability coverage and financial protection to the policy holder against financial loss should you have an accident.
There are two main reasons that you need auto insurance. The first involves 3rd party coverage. If you are a resident of the state of California, Oregon, or Washington, each state requires that you carry a minimum amount of auto insurance. This coverage is to ensure that you have the minimum financial capability to handle the costs involved with either a) paying for damage to another’s property, or b) paying for any costs related to a 3rd party’s injuries.
The second reason you need auto insurance is for the protection of your own financial well-being. Auto insurance is there to protect you and your assets.
There are several types of auto insurance coverages to consider in choosing what is best for your individual circumstance. It’s good to be familiar with the following terms, although a licensed insurance agent will be able to explain them to you in an easy-to-understand fashion:
First and foremost, you’ll need to abide by state requirements for minimum insurance limits. Next you’ll need to determine how much can you afford to pay in case of an accident? In the case of liability insurance, how much you need depends on whether you have a lot of assets to protect. (You are personally responsible for any claims that exceed your coverage’s upper limit.) These are just a few things used to assess one’s insurance coverage needs.
As you can see, there are many factors that determine the best types of coverages for you. Each policy is unique to every individual’s specific needs. It’s wise to talk to a professional licensed insurance agent about your particular situation. We’ve been doing this for years and are honored that our clients rely on our knowledge and experience. Let us know how we can help you!
Give us a call at (888) 310-1027 or send us a message with any questions by using the form below.
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