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Auto Insurance Information
Insurance for Drivers in San Luis Obispo, CA
Before you take to the streets behind the wheel of your vehicle, it is crucial to make sure that your auto insurance policy will cover you and everyone else both on and off the road. Not all auto insurance policies are the same, after all, and you will need a policy tailored to suit your needs.
At SLO Insurance Services, our dedicated and friendly insurance professionals will help you find the best auto insurance for your coverage needs.
What Does Auto Insurance Cover?
A full coverage auto insurance policy may include coverage such as:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents not involving collision.
Collision Coverage: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
How Much Auto Insurance Do I Need?
Liability: Liability insurance covers bodily injury and property damages you may caused to someone else while operating the insured vehicle.
Medical Payments Coverage: Medical payments coverage provides compensation for medical bills you and your passengers may face after an accident, no matter who caused the accident.
Uninsured/Underinsured Motorist: This insurance covers damages involved in an accident with another driver who is not carrying insurance.
Roadside Assistance:Roadside assistance covers expenses related to trip interruptions such as needing to be towed, flat tires, running out of gas and more.
Each state requires different limits when it comes to auto insurance. In California, all drivers must carry at least:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability
$15,000/$30,000 uninsured motorist coverage per person/per accident
These are only minimum requirements to drive legally in California, however, and don’t necessarily represent the amount of coverage you should have on your car. On its own, liability insurance does not cover damages to your car or injuries you and your passengers may suffer after an accident. In general, we recommend full coverage auto insurance to completely protect your vehicle and everyone in it.
Protect Your Vehicle
Call an experienced agent from SLO Insurance Services to find the best auto insurance policy for your vehicle and your wallet. Contact us at
or fill out a
to get started today.
Common Auto Insurance Questions
How Far Does Auto Insurance Look Back?
In general, car insurance providers look back around three to five years on your credit and driving record. Keep in mind that certain accidents remain on your record for three to five years while others can stick around for up to 10 years.
How Many Auto Claims Can You Have Per Year?
Although there is no set number of claims you can have in a year, filing more than one auto insurance claim within one year can raise red flags with your insurer. It can also make your auto insurance rates go up, as you will be viewed as more likely to file claims in the future.
How Much Does Auto Insurance Cost?
Auto insurance premiums vary depending on your location, age, gender, driving record, credit score, coverage limits and more. Fill out a
to find out how much you can save on auto insurance.
Why is Auto Insurance Important?
Not only is auto insurance required, but it is crucial for protecting everyone on the road including you and your passengers. Without insurance, you could face repairs to your vehicle and medical bills all out of pocket, which can be incredibly expensive without coverage.