Car insurance coverage and cost
If you own a car, then car insurance is as much a certainty as taxes. It is illegal to drive a car without some form of auto insurance. SBC Insurance can help you with best value car insurance in Mountain View CA, Sunnyvale VA, Palo Alto CA, Cupertino CA, Los Altos CA and Sanford CA. If you get caught driving without auto insurance, you will find yourself on the wrong side of the law. Apart from fines and other penalties, you may well be ordered to SR 22 filing.
Car owners face many risks and it is smart to protect your financial interests should something bad happen. One of the major risks is injury and / or damage to others. If your negligent or reckless driving results in harm to loss to others, you will be sued. That is why the law requires you to carry liability or 3rd party insurance.
You also need to consider your own risks and losses. The biggest risk is probably that of a road accident. That is why you need collision insurance. This type of coverage will pay for the repairs of your ride following a road accident. You may also want to consider some form of comprehensive insurance to cover other risks such as auto theft, storm damage, vandalism and so on.
Coverage is one side of the insurance equation. When you arrange car insurance through a reputable dealer you will get the coverage that you need. You will also get it at an affordable price. That is because an independent agent has access to several plans from various carriers and can select the best one for your circumstances.
If you have a good driving record and other positive factors that lower your perceived risk, you will be able to negotiate cheaper rates as well.