With a reputation as the third most liberal city in the United States, Berkeley's residents are noted for their activism. Berkeley is the home of the Free Speech Movement and the hippie lifestyle. Many chose to live a "green" life, as well. Those that chose to drive are required to carry liability insurance. Carrying liability insurance protects you financially against being sued by the other driver if you're at fault. Therefore, it's advisable that you carry more than the minimum amount of liability insurance as many vehicles today are worth more than the $15,000 property damage requirement.
When obtaining any Berkeley car insurance quotes then, you'll want to include at least the minimum state requirements for bodily injury liability insurance as well as property damage liability insurance in your portfolio. If you are the owner of a newer model vehicle, you may also want to include collision and comprehensive insurance as well to your auto insurance package. Many Berkeley car insurance companies can offer you several alternatives with respect to receiving full coverage or adding comprehensive and collision insurance to the liability coverage for your car. Much depends on the deductibles you choose and what you can afford overall. While comprehensive insurance covers vehicle damages brought about by theft, vandalism, fire or acts of nature, collision insurance protects you by paying for any damages sustained by your car when you're at fault in an accident. Of course, if you drive an older model vehicle, full coverage may not be necessary as collision coverage, for instance, pays only for the present book value of your automobile after the deductibles are met.
However, if you're still paying on a newer model car or leasing one, then full coverage is not only recommended but is mandated by lenders in certain instances. In addition, when obtaining any Berkeley auto insurance quotes, you may also want to consider uninsured motorist insurance or underinsured motorist coverage as well. Uninsured motorist insurance protects you if you or any members of your household are involved in an accident with a driver who doesn't possess insurance. Likewise, underinsured motorist insurance protects you if you're hit by a driver who isn't adequately insured. In addition, you may want to think about personal injury protection (PIP) insurance for yourself to cover any medical-related costs.
We specialize in finding Berkeley auto insurance quotes tailored to fit your needs. No matter what your situation may be we can help you save. Whether you are heading to the work or out on the town, we can help you have a safer journey. Simply enter your Berkeley zip code now to get started.