Many questions arise when it’s time for teen drivers to begin hitting the road. Parents and guardians likely wonder which options best protect teen drivers on and off the road. Anyone in the Newport Beach, CA area can count on Murvay Insurance to provide the insight and recommendations necessary to get the ideal coverage.
Teen Driver Insurance
There are two basic options for choosing insurance coverage for teen drivers. Parents and guardians can put their teen on their own insurance policy, or they can purchase a separate teen driver insurance policy. There are several points to consider based on individual circumstances when selecting. It’s essential to understand that insurance coverage changes are significant when teen drivers are added to a policy. This change occurs because teen drivers have a much higher risk factor for collisions and other events than adult drivers. This consideration is why many parents and guardians have a separate policy for teen drivers. However, other households may add a teen driver to an existing policy.
For more information and insight, individuals can contact one of our helpful and knowledgeable insurance agents for more details. They can sit down with each client to individually assess their situation to understand all the factors. Based on their assessment, they can recommend certain options for clients to consider. Once a decision is reached, agents can help secure the policy or make amendments to an existing policy. Additionally, they can also provide support if there is a claim.
Reach Out Today
Residents of the Newport Beach, CA area can turn to Murvay Insurance to provide them with the customer support and insurance options they need to protect teen drivers. Call or stop by our office today to speak to one of our insurance agents and get started with coverage options that meet your specific situation.
When you contact Murvay Insurance for auto insurance, you’ll get the help you need to add to your auto policy to protect you while you drive. The insurance required by the state of California only protects the other drivers on the road and their vehicles; we can customize your coverage to add items like roadside assistance.
Adding Roadside Assistance to Your Policy
When you add items like roadside assistance, comprehensive, and collision coverage to your auto insurance, your policy will protect your vehicle and others on the road. In this case, roadside assistance coverage means your insurance coverage includes payment for a tow truck to assist you wherever your vehicle breaks down – whether you’re in Newport Beach, CA, or driving up the coast to Oregon. The coverage costs little and adds to the safety provided by your insurance policy.
What Kinds of Things Does Roadside Assistance Provide?
If you run out of gas while driving, you phone the toll-free number for the roadside assistance dispatcher, and a tow truck delivers a gallon of gas to you so you can make it to the gas station. Other common covered scenarios include roadside help changing a tire or a tow truck to haul your vehicle to a garage in cases of an accident or a flat that did axel damage. If you lock yourself out of your car, call the toll-free number, and dispatch sends a locksmith.
Contact Murvay Insurance
Contact Murvay Insurance for more information on adding roadside assistance to your auto insurance. You can add this helpful coverage to any auto policy.
The Newport Beach, CA area continues to offer many opportunities and fun amenities for people in the area to enjoy. Having a car will make it easier for anyone to enjoy all it offers. If you purchase a vehicle in this area, having insurance would be a good idea. Various benefits come when you do have an auto insurance plan.
Reduce Your Liability Risks
One important reason to get an auto insurance policy is to reduce liability risks. There is always a chance someone could cause an accident while driving a car. If this occurs, having an auto insurance plan will be helpful as it will give financial support if you are liable for accident damages.
Ensure Vehicle is Covered
You also will want to have an auto insurance plan to ensure your vehicle is covered. If you buy a car, you will want to know that it is protected. A great way that this can be done is by investing in an auto insurance plan. With this coverage, you will get the support you need to replace the car if you incur a loss due to theft or accident damage.
Car owners all over the Newport Beach, CA area must always carry auto insurance. As you are looking for a way to insure your vehicle, it would be helpful to call Murvay Insurance. Many choices come with picking an insurance plan, and Murvay Insurance will give you any guidance you need to build your next plan. This will comfort you knowing that you and your car are properly covered.
Most would agree that auto insurance has many benefits. Of course, auto liability coverage provides compensation for the damage you may cause to other people’s property and vehicles and personal injury coverage. Conversely, comprehensive and collision insurance covers damage to your vehicle. However, auto insurance doesn’t cover damage to your property. Our Newport Beach CA team at Murvay Insurance understands that all the elements of auto insurance may not be understood by many drivers and are committed to educating Newport Beach, CA drivers.
What’s Covered under a Standard Auto Insurance Policy?
A standard auto insurance policy provides medical, property, and liability coverage. Auto insurance falls into three basic categories: liability, comprehensive, and collision, although there are additional forms of auto insurance. Liability coverage pays for damage or injury you cause to someone else’s property, vehicle, or body. Comprehensive and collision insurance covers damage to your own vehicle. Every state sets its minimum limits when it comes to auto insurance. These are the auto insurance limits that every driver must maintain to drive in the state they reside in legally.
However, if you are a homeowner, damage caused to your property is covered under most homeowners’ insurance policies. If you don’t own a home or don’t have homeowners insurance, you don’t have coverage for damage to your property. However, one of our agents at Murvay Insurance may be able to help you find insurance that could be used to cover personal property damage. Our Newport Beach, CA team knows that drivers have questions regarding what’s covered under an auto insurance policy, and we’re here to answer those questions. Give us a call. We’d be happy to answer your questions.
In the state of California, you are required to have proof of insurance whenever you operate your vehicle. Acceptable forms of proof include a physical insurance card or a digital copy on your mobile phone. You should be able to produce proof of coverage on the spot anytime it is required by a law enforcement officer or when an accident occurs.
California’s Car Insurance Grace Period
California has a new car insurance grace period of 30 days, so you will not be required to provide proof of insurance as soon as you leave the car lot. This means that you have 30 days from the date of purchase to obtain auto insurance coverage for your new car and provide it to the state DMV. If your previous vehicle was covered under an existing policy, the grace period is extended to 45 days for coverage on your new car. The professionals at Murvay Insurance of Newport Beach CA are available for any questions you have regarding the California car insurance grace period.
Getting Car Insurance Before Buying A Car
However, it is important to note that you are not protected in the event of an accident during the grace period. If you are involved in an automobile accident during the grace period and you do not have insurance coverage, you may be held personally liable for any related costs to that accident. Therefore, you may want to consider buying insurance before you purchase your new car.
Purchasing car insurance before you buy a new car is just as simple as picking out your new car. All you have to do is contact an insurance company and pay for the new policy.
While you may be in a hurry, it is not in your best interest to make a spur-of-the-moment purchase. Obtaining the right coverage requires careful planning and comparison shopping. When you are ready to find the coverage you need, contact Murvay Insurance of Newport Beach, CA for more information.
If you are a driver you should understand how important auto insurance is. Driving without proper auto insurance is not only dangerous, but it is also illegal and in most states, including California, is considered a crime. Therefore, it is important to purchase a proper auto insurance policy before hitting the road in your car. Murvay Insurance serving clients in Newport Beach, CA and other surrounding towns prepared a list of threats of not having auto insurance.
Threats of Not Having Car Insurance You Should Know About
Here is a list of risks you take when you decide to drive without auto insurance:
- Suspension or removal of your driver’s license. If the police catch you driving without car insurance, your driver’s license may be suspended. As a result, you will not be able to drive, which makes it one of the most unwanted risks.
- You will have to pay for all the damages yourself in case of an accident. One of the purposes of auto insurance is to help a policyholder cover the expenses related to a car accident. However, if you do not have auto insurance, you will have to pay for everything yourself.
- You may face high-risk insurance rates in the future. If you were caught driving without auto insurance, it may be much more expensive for you to buy car insurance in the future.
If you live in Newport Beach, CA and you are looking for an insurance agency you can trust in order to buy an auto insurance policy, Murvay Insurance is exactly what you need. We specialize in all types of insurance and have years of experience. Do not hesitate to call us if you have any questions or thinking of getting a car insurance policy.
Buying an insurance policy means understanding the ins and outs of everything included. Understanding an insurance policy means asking questions and learning everything possible about your coverage from your Newport Beach, CA insurance agent. If you are unsure of something in the policy, including what the term deductible means in your auto insurance, do not hesitate to reach out and ask the experts at Murvay Insurance for additional information.
What Is an Auto Insurance Deductible?
When referring to your auto insurance, a deductible is the amount of money deducted from any car repairs resulting from an accident or other collision that your insurance company pays. Essentially, this is the amount you must pay out of pocket for repairs and replacement. Auto insurance deductibles are generally $500 or more, depending on the coverage options you select when buying your policy.
How Do Auto Insurance Deductibles Work?
Deductibles for auto insurance are different from deductibles used for health insurance. Each claim is treated independently with car insurance, and you must pay the deductible amount out of pocket for each claim.
Here is an example. If your deductible is $500, and you were in an accident with car repairs totaling $2000, then your out-of-pocket costs are $500, and your insurance company pays the remaining $1500 to your Newport Beach, CA repair shop. In the event the damage is not greater than the deductible amount, then you’re responsible for paying 100 percent of the costs.
How Do I Select the Right Deductible?
Figuring out how much your deductible should depend on your circumstances. It all depends on what you can afford. Selecting a higher deductible to save money on premiums only makes sense if you can afford to pay the deductible in the event of an accident. For example, if you have a $1000 deductible and get into an accident, the money you saved on your premiums no longer matters if you cannot pay it because you may have to take out a loan or use a high-interest credit card to pay your out-of-pocket costs.
Call the experts at Murvay Insurance to discuss auto insurance coverage options and which deductible is best for you.
When it comes to auto insurance you may be wondering if basic liability insurance is ever enough. In California, basic liability is the amount you are mandated to have. At Murvay Insurance in Newport Beach, CA, our goal is always to create a lasting relationship with our clients through great customer service and the right insurance for your needs. Our experienced team will get to know you before recommending the right coverage.
In California, basic liability is insurance is 15/30/5. That is $15,000 per person for personal injury with a total of $30,000 per accident and $5,000 for property damage. If you are a person who doesn’t own anything and has no assets that can be attached then maybe, just maybe, basic liability might be enough coverage. But think for just a minute about the price of a motor vehicle, even an older one. Imagine one with a value less than $5,000. There won’t be many.
If you are the at-fault party in an accident, your insurance will be liable for medical expenses. With a cap of $15,000, one emergency room visit could put you over the limit. If the expenses go beyond the limit of your policy, then you are liable for the expenses yourself. You could lose any assets you have and also have your future earnings garnished. Additionally, you could be sued for damages. Not only could you have legal expenses, but there could be a judgment against you. You could be jeopardizing your future.
When you consider the amount of money that additional liability insurance would cost you compare to the risk to your assets, it seems like a bargain to go for more than basic liability insurance coverage.
If you are looking for auto insurance and an insurance agent who will make sure you have adequate coverage contact Murvay Insurance in Newport Beach, CA.
Like most states, California has minimum basic insurance requirements. You must show you are financially responsible in the event of an auto accident where you’re at fault. You can post a deposit of $35,000 with the DMV if you prefer not to carry auto insurance. Most people find having auto insurance is the easier option. At Murvay Insurance in Newport Beach, CA, our goal is to create a personal relationship with all of our customers. We will customize your insurance coverage to your needs.
The minimum liability insurance requirements in California are very low. Surprisingly it is a 15/30/5 state. In the event of an accident where you are at fault, you need to carry $15,000 for bodily injury for a single person injured with a total of $30,000 for an accident. Damage to property is $5,000. Given the cost of a vehicle these days and a hospital stay, you could quickly find the basic amount is woefully inadequate. If the damages went beyond the basic, you would have to pay the excess out of your own pocket if you have basic insurance. Talk to your insurance agent about your coverage if you are considering having the basic liability coverage. The risk of losing everything you have worked so hard to accumulate is not worth saving a few bucks on the premium.
If you are leasing a vehicle or if you have a car loan, you will be required to carry additional insurance, not just liability. You will need to protect the car from any potential damage. This requires collision and comprehensive coverage. If you have a car you own outright, with cash value, collision and comprehensive is the coverage you probably also need. If your car is stolen or damaged, you will be able to get it replaced or repaired.
Contact Murvay Insurance in Newport Beach, CA with all your insurance questions and needs.
Owning a car in the Newport Beach, CA area is a necessity for a lot of people. If you do own a car here, it is crucial to stay in compliance with your insurance requirements. There are several situations when you need to have this coverage.
When Driving on Public Roads
One of the reasons why you need to have auto insurance in this area of California is because it is required by law. In this state, you are obligated to carry liability insurance whenever you drive your car on a public road. This provides assurances that you can pay for any damages that you cause during an accident. Those caught driving without this form of insurance could face a variety of penalties.
When Trying to Protect Asset
Another reason why you need to have auto insurance is that it will provide you with protection for your vehicle. When you own a car, there is a good chance that you will spend a lot of money purchasing it and on maintenance. The last thing that you would want would be to lose this asset due to damage or theft. If you get a full collision and comprehensive insurance policy, it will give you coverage to replace or repair your car when necessary. This form of coverage will also be required if you took out an auto loan.
Choosing the right auto insurance policy is very important. Murvay Insurance is an excellent resource for any questions that someone in Newport Beach, CA has about auto insurance. When you are looking for a new policy, Murvay Insurance can help you to determine your risk profile and figure out a way to protect you and your vehicle adequately. This will provide you with peace of mind and ensure you are in full compliance with your obligations.