Huntington Beach Car Insurance
Huntington Beach, founded in 1909, started out as small agricultural community and has since flourished into a bustling city of 192,600 residents. To drive in Huntington Beach you must secure liability insurance for your vehicle. Liability insurance in the form of bodily injury liability insurance and property damage liability insurance is required by law. Liability insurance covers you if you’re at fault in an accident by paying for any vehicular damages or medical expenses sustained by the other party. In the state of California, the imposed minimum limits for coverage are 15,000/30,000/15,000. What this means is that any Huntington Beach car insurance quotes you obtain should contain at least $15,000 in bodily injury liability insurance per person or $30,000 per accident and $15,000 in property damage liability insurance coverage. Of course, depending on your budget, you may want to obtain more coverage as the minimum requirements may still not be enough to keep you from being sued. Therefore, your choice of coverage depends on how much time you spend driving and the amount you want to spend.
If, at present, you are making payments on a newer model car, then you should include total coverage in your insurance plan. Huntington Beach car insurance companies offer a number of options in this regard. Although it’s not a requirement legally to possess full coverage, many lenders prefer you take it out if you have a newer model car. While collision insurance will provide protection against any damages to your car, comprehensive insurance, also referred to as “OTC” insurance or “Other than Collision” insurance, protects you from outside threats to your vehicle such as vandalism, fire, theft and nature-related causes. Naturally, if you own an older vehicle that has been paid off, you don’t really need collision insurance as the insurance only pays up to the car’s book value after the deductibles are met. Instead, it’s better to forego the insurance and save the money you’ll reap from a lower premium by putting it into the bank.
Nonetheless, whether you’re car is newer or older, you may want to include uninsured motorist insurance and underinsured motorist insurance in any Huntington Beach auto insurance quotes you obtain for your vehicle. Uninsured motorist insurance protects you financially if you’re hit by a driver who doesn’t have insurance while underinsured motorist insurance provides the same type of coverage if you have an accident with a driver who isn’t adequately insured.
There are several Huntington Beach car insurance companies that can provide you with a number of plans for insuring your automobile. Enter your zip code now to obtain a “premium” rate for the car you drive.