Auto

Please use these tools to better help you understand your auto policy. As always, if you have any questions please give me a call at 858-277-9511
      
Liability and Medical Protection:
1. Liability Coverage
If you’re at fault in an accident that’s covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
2. Medical Payments Coverage
If you’re in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.
3. Underinsured / Uninsured Motorist Coverage
If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.
     
Vehicle Protection
1. Collision Coverage

This option helps protect you from repair costs to your car if you’re involved in a covered accident. Considering it’s a covered loss (that’s insurance-speak for an accident that’s specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.
2. Comprehensive Coverage
This option helps protect your car in covered situations that don’t necessarily involve other drivers or vehicles. If your car’s damaged by a storm, vandalism, or “passive object” (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.
    
Additional Protection 
1. Personal Injury Protection

Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)

Additional Coverage Options
Can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.

Our Bumper-to-Bumper Basics will show you how these unique options might be added to your Allstate auto insurance policy. And our quick and easy quote tool can show you how switching to Allstate might save you money. You can call me at 858-277-9511 to quote over the phone. 

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Five More Ways to Lower Your Rates

Saving on your auto insurance premiums is easier than you think, once you know what to look for. Here’s where to start:

1. Discover Your Discounts
We offer discounts for safe driving, owning a new car, or even insuring a teen driver with good grades. And we won’t limit you to only one discount.

2. Adjust Your Deductible
Raising your deductible can lower your premiums — sometimes significantly. Even a small adjustment can do the trick.

3. Revalue Your Vehicle
Your coverage might actually exceed the value of your car. If your Collision and Comprehensive equals 10 percent (or more) of your car’s value (for example, if you’re car’s worth $4,000 and you’re paying $400 or more in premiums), it’s probably time to reduce your Collision and/or Comprehensive deductible to save some cash.

4. Know Your History
Your credit score can affect your risk profile. And a high risk-profile means high premiums. So check your credit report regularly for errors, and remember that staying on top of bills can actually lower them in the long run.

5. Shop Smartly
Some cars actually cost less to insure — and the list might surprise you. So if you’re shopping for a new ride, why not consider a car that can lower your premiums?

Our quick and easy quote tool can show you how switching to Allstate might save you money. You can call ne at 858-277-9511 to quote over the phone. 
  
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Commonly Asked Questions
   
Will My Allstate Auto Insurance Policy Cover the Expense of a Rental Vehicle While My Vehicle Is Being Fixed?
If you purchased Rental Reimbursement Coverage, this expense would be covered up to the limits provided in your policy. You can rent a car from the rental agency of your choice, or you can ask your claim representative about renting a vehicle.

Is my roommate covered under my auto policy?
Most auto policies include a Permissive Use provision giving full or limited coverage to someone who drives your car with your permission. However, the terms of this provision can change if the driver resides in your household. Please contact our office for a specific answer.   

I’m driving to Mexico for the weekend; do I need to buy special coverage?
Yes. Auto accidents in Mexico are subject to the laws of Mexico, not the laws of the United States. As a result, Mexican law requires you to purchase liability insurance through a licensed Mexican insurance company if you are driving your vehicle into Mexico. 

What about Canada?
The coverage territory of your auto policy is defined as the United States of America, its territories or possessions, or Canada. Therefore, additional coverage is not required.

 
 
 
 
 
 

 

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