Driving a car is a practical daily necessity for a lot of people. When you are going to purchase a new car in the state of California, you also need to make sure that it is properly covered by insurance. When looking for a new auto insurance policy in Newport Beach, California, there are a variety of factors that need to be considered to make sure that you get the right policy for your situation.
When you are shopping for a new auto insurance policy, you should first make sure that the policy you select at least meets the minimum requirements for the state. Like other areas, you will at least need to have minimum liability coverage of at least $5,000 per accident in property damage liability coverage. You will also need to make sure that you have bodily injury coverage of at least $15,000 per injured person, with a minimum total cap of at least $30,000 per incident. This state also requires that you carry uninsured motorist bodily injury coverage of the same levels.
When you are looking to only stay in compliance with the state, you will likely find that the basic insurance requirements do not provide you with enough insurance coverage. If you have a car loan or lease, or if your car is expensive to replace, you will also want to have collision and comprehensive coverage. When you have a full policy that includes collision and comprehensive coverage, you will receive coverage for your vehicle as well. This will protect you in the event of an accident, theft, or damage.
When you are looking for a new auto insurance policy in Newport Beach, California, you should contact Murvay Insurance Services, Inc. to start the process. When you first meet with Murvay Insurance Services, Inc., our agents will work to make sure you better understand your insurance requirements and needs. Our agents can also make sure that you get into a policy that works right for you. Reach out for more information and a quote.