Q: I recently relocated to San Diego, CA for work and was wondering if there was any way that I could get a discount on auto insurance in California? Coming from Pennsylvania, the premium increases really caught me off guard and I would really like to keep my costs down. Thanks.A: Thanks for your question, and congratulations on your new home in CA. While there are several ways to get discounts on your auto insurance in California, I am going to touch on one in this brief article.Most large insurance companies offer policy discounts to preferred customers, or customers who have multiple policies with them. Do you rent an apartment or are you a home owner? Adding a renters insurance policy or homeowners insurance to your auto coverage should get you a discount on your car insurance premiums.Now, this is not always the case so it is best to ask your agent or the company direct. However, most insurance providers will offer this type of discount.Hopefully this tip will help out when it comes to saving money on your auto insurance in California.Lastly, we encourage you to take a few minutes to compare car insurance quotes online from different companies. Comparison shopping is an extremely effective way to not only save money on coverage, but wind up with a higher quality policy as well. Many drivers skip over this all-important step when it comes to shopping for automotive coverage, and they end up overpaying for their policies as a result.
The Basics Surrounding Insurance Claims and Coverage for Car Fires
If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.Motor Vehicle AccidentsMotor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.Garage FiresIn the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.Engine FiresEngine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.ArsonThere’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.Sell a Totaled Car for CashIf your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!
Choose the Best Automotive Warranty Services
In order to keep vehicles in top operating conditions the vehicle owners prefer to purchase the automotive warranty services. This is because the warranty facilities help in providing repair facility to vehicle owners thereby greatly helping them. Automotive warranty services are provided by a number of companies. These providers not only provide warranty from the regional services but also on worldwide basis. The best thing about these service providers is that they provide warranties along with a number of offers at an affordable cost.In this present world there is no dearth of automotive warranty services but it is extremely important to choose the right type of warranty program which would suit both your vehicle and financial needs. Only after taking adequate information on these warranty services you should go ahead as the terms and conditions of these warranties greatly differ from each other. There are some useful tips following which people should choose an automotive warranty.The first thing is to check whether the automotive warranty service provider is well experienced or not. They should have a long experience in the auto industry and whether the products provided by them are fully insured or not. The warranty provider should also be registered with the local government which would prove their authenticity.If you zero on any service provider seems you should also get the quotes and details of the contract provided by them which should be compared with the quotes of other companies to be able to choose the best warranty. Your aim should be to get the best service provider for the profitable offers provided by these companies can greatly help you. Once you start profiting from their offers you can even think of renewing the contract. There are many online service providers who offer services at an affordable cost.