Looking at our Automotive Insurance and Life Insurance options

Looking at our Automotive Insurance and Life Insurance options

Automobile insurance

One of the most popular forms of insurance many of us need is automobile insurance. With this kind of insurance, you get the benefit of protection from property damage because of an accident and it can also cover against liabilities on the part of others involved in the accident. Policies vary from type of vehicle and there is a separate policy available for motorcycles. Since the motorcycle does not usually cause as much damage as a larger vehicle, it can have lower premiums related to property damage. However, as the rider is much more prone to more severe damages, the personal injury premiums are much higher compared to others. This is a required insurance in most places around the world and especially if you live here in San Ramon as our freeways get very busy and accidents happen everyday here. Auto insurance provides coverage for those affected by accidents and also covers liability for others involved in the accident.

The bases for premium charges can vary depending on the factors of age, gender, driving history, marital status, and vehicle classification. In the case of classification, there will be some variations depending on the type of vehicle. Motorcycles are insured in a separate policy. Most Policies drop in price once we are married and are older than 25 (so run out and get married and get old quick). Ask your agent about minimizing your limits and getting an umbrella policy to make up the difference. Over all, it should save you money.

Life Insurance

Perhaps you want to leave some money to loved ones in the case of your own death, to help with costs of the funeral, any outstanding debt and provide them with money for the future. Life insurance was developed for this purpose. This is a form of a contract wherein the policy owner pays a premium in regular intervals and in return the insurers will provide the beneficiary a designated sum of money if the policy owner dies. Anyone can buy a policy on anyone else, it doesn't have to be a direct family member. However, no one can get an insurance policy on you, without you knowing first (so you'll know to watch out for the in-laws). Ask your agent about minimizing your limits and getting an umbrella policy to make up the difference. Over all, it should save you money.

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