Car Insurance in Spring Valley

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jun 28, 2017

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Here's what you need to know...

  • California’s minimum liability requirements are 15/30/5
  • Collision and comprehensive coverage are additional options you may want to consider
  • If you go without car insurance in California, your vehicle registration will be suspended
  • In Spring Valley, there are many car insurance companies to choose from

If you’re looking for car insurance in Spring Valley, you’ll want to be sure that you know the minimum coverage requirements. When living in the city of Spring Valley, you’ll need to follow the California auto insurance requirements.

In California, the minimum liability requirements are $5,000 for property damage, which means the insurance company will pay up to $5,000 for property that your vehicle damages in an accident.

When you choose insurance for your car, you’ll also want to be sure that you can cover the deductible. If you are in a one-vehicle accident or have damage done to your vehicle, you’ll need to pay the deductible yourself.

If you happen to be at fault in an accident, you’ll find yourself with more problems. If the accident is serious enough, you may be liable over and above the amount of your liability car insurance.

If you have assets to protect, you’ll want to carry more insurance than someone who doesn’t have any assets to speak of.

Many Spring Valley Car Insurance agencies will suggest that you have more than the state minimum requirements for bodily injury and property damage liability insurance.

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Additional Insurance Options to Consider

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If you still have a loan on your vehicle, your bank or financial institution will insist that you have a combination of comprehensive and collision insurance.

Comprehensive insurance covers your vehicle if it is lost or stolen, damaged by a flood or fire, or damaged by animals.

Collision Insurance covers your vehicle if it’s hit by another vehicle or object, or if it hits another vehicle or object.

Accidents Can Happen at Any Time

A recent report put out by the state of California and the National Highway Transportation Safety Association (NHTSA) shows that accident rates are down in Spring Valley and all over California.

However, there are still a number of serious injury and fatality accidents that have occurred this year.

Even with the overall reduction in the number of accidents, it’s no consolation to know there are fewer serious accidents if you’re one of the ones who has been involved in an accident.

No matter how safe your driving is, there’s always a possibility that someone else is distracted at a critical instant. This doesn’t even take into consideration equipment failure or others on the road who are driving under the influence.

When you’ve been in an accident, you want to be sure that you’re covered financially for the hospital bills.

You want to be sure that you don’t have to worry about paying for the ambulance or the x-rays that are needed for your accident. You want to be sure that you can get a replacement vehicle to get back and forth to work.

No matter what else happens, your financial well-being can depend on having enough insurance to cover your needs if the unthinkable happens.

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No Insurance Can Be a Big Problem

Some states will suspend your drivers’ license when you allow your liability insurance to lapse.

In California, your vehicle registration will be suspended instead.

If you are stopped while your vehicle registration is suspended, your vehicle will be impounded and/or you’ll receive a ticket and a $1,000 fine for driving an unregistered vehicle.

If you’re involved in an accident while you are uninsured, your license will be suspended for a year no matter who was at fault in the accident.

Not only that, if you do happen to let your insurance lapse, it can cost a lot to reinstate the registration on your vehicle.

To get your registration reinstated, you’ll need to pay a reinstatement fee as well as current proof of liability insurance.

Choose a Spring Valley Car Insurance Agency

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When living in Spring Valley, you have a number of different Spring Valley car insurance companies to choose from.

Each of these insurance companies offers something different, though prices may vary greatly from one insurance company to another as well.

For some of the insurance companies, you’ll need to meet certain requirements. For example, USAA focuses solely on providing auto insurance to military families.

If you have a Spring Valley car insurance company that you prefer, you may have a number of offices that you can choose from.

Several insurance offices in Spring Valley specialize in offering insurance from Farmers Insurance, with several outside the city limits in Lemon Grove and La Mesa.

There are at least three State Farm Insurance offices in Spring Valley and several more in the surrounding areas.

If you prefer to go to an insurance office that deals with several insurance companies, you’ll find one that offers insurance from companies like:

Each different Spring Valley car insurance office is run by a different insurance agent. Many of the Spring Valley Car Insurance agencies are located on Campo Road, Jamacha Boulevard, or Sweetwater Drive.

There are other insurance agencies scattered over the city, so you might find one that’s closer to your work or home.

When there are multiple insurance agencies offering insurance from the same company, you will want to choose the one that best suits your needs.

Protect Yourself and Your Family

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Even when money is tight, the best thing you can do to protect yourself is to find a quality insurance company for your auto insurance needs.

You may want to shop around for the best rates. Yet, you can choose a company that has low car insurance rates and still be using a quality auto insurance company.

If you’re unsure what type of insurance company you’re choosing, you can do a quick online search for reviews on each of the companies that you’re considering.

You may find that some of the better-known insurance companies have customer service problems as much as smaller or less-known insurance companies.

It can take some research to get the best value for your money, but Spring Valley Car Insurance is a necessity when you own a vehicle and live in Spring Valley.

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