Most San Pedro car insurance companies offer rules or conditions to their policies that will exclude coverage of specific events that you might assume are protected.

Here’s what to look for when you’re in the market for Southern California car insurance:

Personal Factors Will Affect Pricing

There are very important personal circumstances that come into play when shopping for your San Pedro car insurance— for example, your driving history and where you live will affect your policy. Drivers with less tickets or violations pose a lower risk to insurance companies, which means you pay less. If you’re in an area prone to vandalism or theft, you’re a higher risk and that will reflect in your Southern California car insurance prices.

Understanding the role each of your specific circumstances play when it comes to receiving an insurance quote will help you pick the best coverage for your specific needs.

Types of Coverage

There are minimum insurance requirements for auto insurance depending on your location. Although there are many types of coverages, liability insurance, personal injury protection, medical payments coverage, collision insurance and comprehensive insurance are the major ones that might appear on your quote.

California law requires a minimum of bodily injury liability coverage (15,000 per person / $30,000 per accident minimum), property damage liability coverage ($5,000 minimum), uninsured motorist bodily injury coverage ($15,000 per person / $30,000 per accident minimum) and uninsured motorist property damage coverage ($3,500 minimum).

How to Ensure the Best Coverage

Unless you’re fully knowledgeable on the caveats and specificities of Southern California car insurance policies, working with professionals is the best way to ensure the right coverage for you.

NHC Insurance Services will work alongside you to hand-pick the best San Pedro car insurance policy for your circumstances and price range. Request a quote to get started!