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Garden Grove, CA 92840

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The Top 5 Mistakes People Make When Buying Auto Insurance

When it comes to auto insurance, there are a lot of different factors to consider. From the type of coverage you need to the amount of coverage, it can be overwhelming trying to figure out what you need. And with so many options available, it’s easy to make a mistake when purchasing auto insurance. To help you avoid making a mistake, Golden Way Insurance Services in Garden Grove, CA  can provide expert guidance.

Here are the top five mistakes people make when buying auto insurance:

1. Not Knowing What Type of Coverage You Need

The first mistake people make when buying auto insurance is not knowing what type of coverage they need. There are many different types of auto insurance coverage, and each one covers different things. If you’re unsure what type of coverage you need, it’s a good idea to speak with an insurance agent or broker who can help you determine the right coverage for your needs.

2. Not Knowing How Much Coverage You Need

Another mistake people make when buying auto insurance is not knowing how much coverage they need. Just like there are different types of coverage, there are also different levels of coverage. And depending on your needs, you may need more or less coverage than someone else. Again, speaking with an insurance agent or broker can help you determine the right amount of coverage for your needs.

3. Not Reading the Policy

Once you’ve decided on the type and amount of coverage you need, it’s important to read the policy before purchasing it. This is because the policy will outline what is and isn’t covered by your insurance.

4. Buying the Minimum Coverage

One of the most common mistakes people make when buying auto insurance is only purchasing the minimum coverage required by their state. While this may save you money in the short term, it could cost you a lot more if you’re in an accident and your coverage isn’t adequate.

5. Omitting Important Information

When applying for auto insurance, it’s important to be truthful and provide all the necessary information. If you omit important information, it could result in your policy being voided or you having to pay more for your coverage.

Golden Way Insurance Services in Garden Grove, CA can help if you’re looking for auto insurance. We offer a wide range of coverage options and can help you determine the right coverage for your needs. Call us today to get started.

Mistakes To Avoid When Buying Auto Insurance

When it comes to auto insurance, there are a lot of mistakes that people make. And unfortunately, those mistakes can lead to higher premiums and even cancellation of coverage. To avoid making those mistakes, it’s essential to know what they are. We’ve put together this list of the four most common ones. Read on to learn more!

1. Getting the Lowest Price and Thinking That’s All You Need

These days it’s prevalent to see ads for auto insurance with low prices, but those low prices may not be so great. It would help if you looked at what those rates include. Often, the best rate isn’t as low as it appears because it doesn’t have all the features you need. It may not cover the kind of vehicle you have; it may not cover all the people on your policy, or it may not offer complete coverage.

2. Assuming Your Insurance Company Will Pay Any Damages After an Accident

Many auto insurance policies have exclusions for certain types of damage depending on the cause of that damage. For example, if another driver hits your car, your insurance company will pay for the damage. But if it is damaged in a flood or by hitting a pothole, they won’t cover it.

3. Not Knowing What Coverage You Have

If you haven’t read through your policy recently, you may not fully know what it does and does not cover. Every state has different laws about where the coverage starts and stops. You could be underinsured if you don’t know how much is included in your basic coverage or aren’t familiar with the exclusions.

4. Letting Your Insurance Lapse Before Renewing

It’s important to renew your insurance policy before it expires. If you let it lapse, you could be without coverage when you need it.

There are a lot of mistakes that people make when buying auto insurance, but it doesn’t have to be that way. Golden Way Insurance Services knows what’s essential, and we go the extra mile to ensure our customers are taken care of.

If you come here looking for insurance services in Garden Grove, CA, Golden Way Insurance Services is the company to call. We provide a wide range of services, including car insurance, home insurance, business insurance, etc.

 

Do You Have Teens? Here’s What You Need To Know About Auto Insurance

When it’s time for teens to start driving, it is very important for parents and guardians to understand their legal responsibilities concerning auto insurance. At Golden Way Insurance Services, serving Garden Grove, CA and surrounding areas, we want to help families transition their teens into driving safely. Keep reading to learn more. 

When Should I Add My Teen To My Insurance?

You will want to check with your local laws, but the safe rule of thumb is that teens should be added to an insurance policy when they first get their learner’s permit. You will want to talk with your particular insurance company to find out more details. 

Will My Rates Go Up When I Add A Teen?

Adding a new driver, whether they are a teenager or not, can in some cases raise your rates. This is because it is simply more expensive to insure multiple drivers. There are more risks involved. If you are concerned about how your rates may change when you add a teen driver, you can always call your insurance representative and discuss the specifics of your policy and get an estimate of how changes will affect your rate. 

Are There Discounts Available?

There can be discounts available for students who get good grades or for students who are willing to take defensive driving courses. You will want to talk with your insurance company to get more details. 

If you would like to learn more about our services, or if you are interested in adding a teen to your insurance policy, please contact us at Golden Way Insurance Services, serving Garden Grove, CA and surrounding areas. 

What You Don’t Know About Your Auto Insurance Policy

Many people don’t understand their home insurance rate and struggle to grasp various information that they just have no way of knowing without help. As a result, we at Golden Way Insurance Services do what we can to help our Garden Grove, CA, residents feel comfortable in their homes.

What Reports Affect Your Insurance Rate 

Your agent uses a variety of credit reports to create your insurance rate for your vehicle. They also look at motor vehicle records and even past credit claims to get an idea of what kind of policy that they can set for your needs as a car owner. 

Which Tickets Affect Your Insurance Rates 

Have you ever been confused about what tickets cause you to get an insurance hike? Typically, this happens if the points added to your license reach a threshold set by the insurance company. At this point, they will increase your policy costs and keep it that way for some time. 

How Long Tickets Stay on Your Record 

Are you unsure of how long you’ll have to deal with tickets on your record? You aren’t alone. This problem is something that will stay on your record between 3-7 years. And these tickets can impact the quality of your insurance and cause other complications at the same time. 

When Your Car is a Total Loss 

While some crashes may seem minor, you might end up getting your vehicle totaled and struggling to understand why. This situation usually occurs if the value of the repairs exceeds what the insurance company is willing to pay. 

Learn More About Your Policy 

If you’re concerned about your car insurance policy and feel uncomfortable, please make sure to call us at Golden Way Insurance Services right away to learn more. Our team serves the Garden Grove, CA, area and can provide you with the help you need. 

Do You Have Enough Auto Insurance?

Considering the vast number of auto insurance coverages available, determining the exact amount of auto insurance you require can be tough. Although almost all the states have minimum auto insurance, the requirements are much less than what you’d need. 

To answer the question “How much auto insurance do you need?” Golden Way Insurance Services in Garden Grove, CA, have broken down the various car insurance coverages and the minimum amount you should have for each. 

Liability coverage

This insurance coverage shields you when your vehicle crushes someone accidentally. It helps you meet other people’s medical bills and property damage without emptying your pocket or borrowing debts. But how much of it do you need? 

While California has a minimum amount, this isn’t adequate. Most financial experts advise that you should have $100,000/$300,000. However, if this isn’t adequate for you, consider umbrella insurance.

Personal injury protection (PIP)

This covers treatment costs for passengers as well as the driver. In some other cases, PIP insurance will also include lost wages due to injuries. To determine the coverage you need, ask how much it would cost to treat your injuries? Do you have health insurance? Answers to these questions determine how much coverage you need. 

Comprehensive and collision coverage

Collision coverage covers your vehicle when it sustains physical damages in a collision. However, when your car is damaged due to other reasons besides crashes, your comprehensive insurance cover comes to your rescue. But how much of these coverages should you buy?

The amount of coverage you purchase should be adequate to replace your vehicle when a total loss occurs.

The bottom line

Figuring how much motor vehicle insurance coverage you need can be a huge task. If you cannot figure out this on your own, consider consulting with Golden Way Insurance Services in Garden Grove, CA.

Important Things to Know About Getting California Auto Insurance

As you prepare to relocate to Garden Grove, CA, one important aspect that you need to get familiar with is the auto insurance laws in this state. California is known for having notorious auto insurance rules and regulations that you must always know before getting on the wrong side of the law. However, with Golden Way Insurance Services, it will be easier for you to have every detail at your fingertip, thereby avoiding some penalties. 

You Can Get Deductible Waiver

You can get a deductible waiver for your auto insurance coverage in California when you carry collision coverage on your car. This is a significant insurance loophole that you can always exploit to your advantage. With this waiver, your insurance company will be responsible for paying the collision deductible in case you are involved in an accident with an uninsured driver, which will save you thousands of dollars. 

You Can Get a Good Driver Discount

If you know you’re a good driver and relocating to California, you should be happy because you could get a discount. California’s laws stipulate that you should get 20% discounts on premiums if you consistently prove that you’re a good driver. Some of the essential aspects you need to incorporate include having a license in the United States for more than eighteen months. 

Good Student Discounts

As a young driver in California, there is a higher chance that you will qualify for good student discounts. However, to be eligible for such discounts, you need to have less than eight years of driving experience. Besides having less than eight years of driving experience, you need to prove that you are currently enrolled in a full-time academic program.

There is no doubt that there are some strict insurance laws in California. However, as a good driver, relocating to Garden Grove, CA could bring some benefits. Golden Way Insurance Services will guide you through the entire process of getting auto insurance in California to access the above benefits. 

Importance of Auto Insurance in California

Driving is a practical, convenient way to get where you need to go. At the same time, it poses the risk of accidents on the road. With auto insurance from Golden Way Insurance Services, you can worry less about accidents and enjoy driving to the full. Auto coverage will protect you against accidental injuries, property damage, breakdowns, liability issues, and more. Here’s why auto insurance is so important in Garden Grove, CA.

Protection for Your Vehicle

Accidents happen, even to experienced, careful drivers. A serious accident can cause extensive damage to your car, leaving you with thousands of dollars’ worth of repair costs. Collision insurance helps cover the cost of repairing your vehicle if it’s damaged in a collision. Uninsured motorist coverage protects your vehicle against uninsured motorists and hit and runs drivers. Collision and uninsured motorist insurance isn’t required in California. However, it offers valuable protection for your car.

Protection against Liability Claims

Auto liability insurance protects your financial assets by paying for others’ injuries or property damage in accidents you cause. Depending on the severity of the accident, this coverage could save you from extensive financial loss. If you are sued for damages, liability coverage helps cover your legal costs and settlement, up to the limits of your policy. Minimum liability insurance is mandatory in California. For optimal protection, however, you’d do well to purchase more than the minimum coverage.

Protection against Breakdowns

Cars have a way of faltering when you least expect them. Whether you experience car problems in Garden Grove, CA, or far from home, roadside assistance coverage will cover the cost of towing your vehicle to a repair shop, so you’re not left stranded on the road.

To purchase the auto insurance, you need in California and beyond, call or visit Golden Way Insurance Services.

What’s the Minimum Auto Insurance Required in California?

California, like most states, has auto insurance requirements that must be maintained to operate legally on the roadways. Having adequate coverage is also essential to protect you and others in the event of an accident. Failure to maintain a proper level of coverage can lead to legal repercussions costing you time and money. Keeping a minimal amount of auto insurance will ensure you are protected in the event of an accident.

At Golden Way Insurance Services in Garden Grove, CA, we can help you find a policy that matches your needs so you can get the best possible auto insurance coverage. We offer a range of options, from full coverage to minimum liability.

What Are the Minimal Requirements?

There is a minimum amount of auto insurance coverage required in California, but it is relatively low. Damage that amounts to $5,000 in repairs would be covered, so anything in excess you would need to come up with out of your pocket.

Death and injury limits are $15,000 of one person in a car accident. If multiple people are involved in the accident, the limit increases to $30,000.

It is important to know what types of coverage are needed to be minimally covered, but exploring beyond this basic coverage can leave you better protected.

Trusted Auto Insurance in Garden Grove

Contact us at Golden Way Insurance Services in Garden Grove, CA today to schedule an appointment to discuss your auto insurance options. Our agents have years of collective experience helping vehicle owners get the best coverage they can. We also offer a range of other insurance options for your home, business, and possessions.

We look forward to working with you.

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