Categories
Uncategorized

Comprehensive and Collision Auto Insurance in Lynwood, CA.

Comprehensive and collision auto insurance are two kinds of car insurance that protect your car from damage.

However, they don’t cover the same kinds of damage. If you want to bolster your car’s protection, it’s best to get both kinds of insurance since they cover fairly common kinds of damage.

Of course, that will vary by case, so you’ll need to know the specifics to decide whether to opt for one or both. Here are the specifics of and differences between each kind of insurance.  

Collision Auto Insurance

As the name suggests, collision auto insurance covers vehicle damage that’s sustained due to a collision. Collision
auto insurance isn’t limited to just collisions with other vehicles. For instance, collisions with infrastructural or natural objects, like potholes or trees, are also covered.

Additionally, if your car loses control and rolls over, the damages sustained will be covered by this policy. While this
doesn’t fully cover it, damages sustained while your car is moving are covered by collision auto insurance.

Some totaled cars on a truck

L

Comprehensive Auto Insurance

The best way to understand comprehensive auto insurance is to think of it as covering all non-collision damages.

For instance, if a tree falls on your car, as opposed to you colliding with it, comprehensive auto insurance will cover
the damage.

Besides tree-related damages, the policy also covers vandalism, natural disasters, and animal collisions.

Again, an easy yet overly simple way to think about comprehensive auto insurance is that it covers damages sustained while your car is idle. Some exceptions can be hail-related damages or animal collisions while driving.

Things to Consider

Both insurance policies aren’t necessary for every driver. Consider how often you drive and how much traffic you face
when traveling. If you face a lot of traffic and drive for long periods, collision auto insurance may be necessary.

Then, consider where you park and leave your car. If you aren’t parking in a secure place, comprehensive auto insurance would be helpful. Lastly, consider your financial situation before you decide to get insurance. No matter how necessary car insurance is, if you can’t afford
it, you’re not going to get it.

Auto insurance is an essential part of keeping your car and finances healthy. The costs of repairs that car insurance avoids more than justify its premium and cost. If you’re looking for cheap, local car insurance Lynwood, CA, get in touch with us, at Global Guard Insurance Services. Besides auto insurance, we also offer business and renters insurance Lynwood CA.

Contact us to secure your car against damages. 

Categories
Uncategorized

3 Safety Features to Pay Attention to When Buying a Car in Lynwood, CA

Budding car owners have some general criteria that they keep in mind while looking for cars. The priority of each criterion varies. For instance, some people may value performance over appearance. These criteria are further subdivided into different metrics.

For example, performance could mean fuel economy or top speed, whereas appearance could mean interior or exterior aesthetic. However, regardless of all other criteria, safety should be a top priority. Here are some safety features to look out for when buying a car.

Seat Belts

If you’ve ever jerked or moved forward with a lot of power in a car seat, you’ve probably noticed that your seat belt prevents you from moving. During a collision, a lot of force is exerted on you, leading to a higher risk of injury. A seatbelt is designed to prevent this, thereby reducing the risk of injury and death. Virtually all cars come with seat belts, but there are some additional features that improve their safety.

When looking at a car’s seat belts, check to see if there are lap seat belts, adjustable upper belts, and a seat beltpretensioner.

A mechanic working on a car.

Airbags

Seat belts pull you back into your seat, whereas airbags push you back into your seat. An airbag complements a seatbelt by reducing the chance of you hitting your car’s dashboard in an accident.

If you aren’t wearing a seat belt, however, an airbag can harm and even injure you due to the force exerted. Additionally, check to see if the car comes with side airbags. These improve the car’s safety by preventing you from hitting the doors.

Antilock Brake System

An ABS prevents a car’s wheels from locking up when suddenly braking. This increases the driver’s steering control before a collision, for example. Check to see if the car has an ABS and if the ABS comes with a brake assist. A brake assist can sense emergency braking and increase the braking power, which is vital to preventing an accident.

While safety features will protect you and your car from harm, they aren’t entirely effective. If you are in an accident,
it helps to have car insurance to mitigate the ensuant steep repair costs.

If you’re looking for cheap, local car insurance Lynwood, CA, get in touch with us at Global Guard Insurance Services. Besides auto insurance, we offer business and renters insurance Lynwood CA. Contact us to secure your car against damages.

Categories
Lifestyle

Does Car Insurance Cover Theft? Here’s All You Need to Know

Auto insurance is a legal contract that guarantees your car’s protection in case of financial losses caused by theft or accidents. Insured individuals pay a premium every year, in exchange for which insurance companies agree to pay for the incurred losses mentioned in the contract. 

 

Auto insurance policies are typically renewable and are issued for a six-month or one-year timeframe. While you have the option to personalize your auto insurance coverage options, basic auto insurance provides coverage for property, liability, and medical. According to the Insurance Information Institute, property coverage covers any damage caused to the car; liability coverage covers the legal responsibility of any injuries or physical damage incurred, while medical coverage includes the payment of treating injuries, rehabilitation, and funeral expenses. 

 

More than 700,000 vehicles are stolen in the United States every year. The rising number of vehicle theft raises concerns among policyholders about vehicle theft coverage. While some policies might cover theft associated with automobiles, your insurance advisor can further help you clarify your contract in the context of vehicle theft.

In Case Of A Break-In

A car break-in involves broken windows, smashed tires, or a damaged ignition system. This damage can be covered if you choose to opt for comprehensive
coverage for your auto insurance policy.

 

A comprehensive insurance policy helps you pay for damage caused by collision, theft, or natural disasters. You can also claim a loss if the vehicle is subjected to fire, an explosion, or accidents involving animals.

car with broken glass

In Case Of Vehicle Theft

There’s nothing worse than finding out that your vehicle has been stolen. Most policyholders are usually confused about filing a claim for stolen cars and how to be reimbursed for the loss. Having liability insurance is mandatory for all licensed drivers.

 

However, liability insurance does not cover the costs of vehicle theft. Therefore, it becomes essential to purchase a comprehensive auto insurance policy because it pays for the value of your car if it is stolen. 

 

It is crucial to provide the company with the car’s documents and its value so that the claimed loss can be covered without hassle. 

In Case Of Stolen Personal Items

Some thieves don’t steal your car; they’re more interested in stealing your belongings from the vehicle. While comprehensive coverage can cover damaged cause due to the break-in, unfortunately, an auto insurance policy does not cover the costs of personal items present in the automobile.


These belongings, however, can be covered by homeowners or renter’s insurance Long Beach CA. Therefore, if your car is subject to a break-in and your personal items are missing, you will be required to file multiple (at least 2) insurance claims. You should consult with a professional insurance agent for further guidance. 

Our advisors at Global Guard Insurance Services specialize in providing impeccable insurance consultation to help you purchase affordable and effective auto insurance Long Beach. Connect with us to get a free quote today!