Malibu Auto Insurance

Sunshine, beach and mountains offer the driving experience of a lifetime for visitors to our beautiful part of the world; we see these sites every day through the windows of cars. Protecting our cars and family, while driving, is the reason that we developed a comprehensive Malibu Auto Insurance plan and tailored specifically for this area.

For 47 years Bromberg Insurance Services has been protecting vehicles in Southern California, we understand all the vehicles you may have and the desire to preserve your automobile investment. Nevertheless, auto insurance is not only about protecting your truck; it is about protecting your family, your finances and the community.

Every state requires vehicle owners to keep a minimum amount of liability insurance, and at Bromberg Insurance Agency, recognize that the bare minimum is frequently inadequate.

How Much Malibu Auto Insurance Do I Need

The state of California requires that all vehicles operated in the state possess proof of financial accountability in the event of damage or injury occurring from a crash, irrespective of which person or vehicle is liable. Nevertheless, the minimum requirements set in place by the state are incredibly low and may not really insure you against the expense of any damage or injuries, or disabilities, and that could cause a disastrous personal financial loss to you or your business.

Bromberg Insurance Services agrees with the Insurance Information Institute and recommends $100,000 bodily injury protection per person, and $300,000 liability per accident as a bare minimum. Vehicle owners with a substantial net worth (in most cases above $300,000) must also give some thought to an extra form of liability coverage to preserve personal financial assets from lawsuits which can be a consequence of a vehicle accident. It is important to note that the law does not cover other sorts of insurance claims.

Liability coverage will not restore damage to your car, protect against theft or restore broken glass. Use the quote form located on this page and we will help you determine the lawful requirements for your particular situation today.

Auto Insurance Premiums in Malibu

Perhaps the two most essential factors in determining auto insurance premiums are your driving record and your age. Accidents, serious traffic infractions and the kinds of claims you have made historically, all contribute to the cost of your rates. For those who have a clean driving history and have maintained insurance protection, you may well enjoy a lower cost for your insurance protection. Seasoned motorists generally have significantly fewer problems than less knowledgeable, younger motorists.

Motorists under the age of 25 are frequently thought to be inexperienced and will have a higher premium in spite of their driving record. In an effort to decrease the higher rates for younger vehicle operators, our company offers discount rates to qualified drivers and exceptional students.

Living in an area like Malibu means we are going to drive to get where we are going and the more miles that you drive each year the greater the possibility of you having an accident. The more miles you drive whether commuting of for pleasure has an impact on the price you pay for auto insurance. Malibu auto insurance premiums are also affected by where you live in the city. Insurance companies study the cost and number of incidents for specific zones in order to determine rates. They also consider the volume of thefts, lawsuits and the cost of auto repairs when fine tuning monthly premiums.

The car you drive and the amount of protection you desire could have a major impact on your premiums. It may cost more to repair some automobiles than it does to repair others. Likewise, some kinds of cars are targeted for theft more often than others. The overall safety record of a vehicle also plays a part in determining your premium.

Different types of Malibu Auto Insurance Coverage

Liability – Also means Bodily Injury and Property Damage Liability to meet the minimum state requirements and also to provide you with protection against a financial loss.

Uninsured/Under Insured Motorist – Covers you and your family in the event other drivers are not properly insured.

Comprehensive – This type of insurance covers your car in the event of damage caused by reasons other than a collision. Hail, fire, theft, vandalism, glass and other natural causes are covered by the comprehensive part of your Malibu auto insurance policy.

Collision – Takes care of the damage resulting from an accident with another vehicle or object that occurs while the car is in motion or is hit by another vehicle that is being operated.

There are other types of insurance available for drivers and these are usually added as a rider, or addition, to your policy. Gap, personal injury, rental car reimbursement, towing and labor, custom parts and equipment, and loss of work are just a few of the different types of coverage you may need.

With all the available options, Bromberg Insurance will assist you to navigate the alternatives, find the lowest rates and be sure you have the protection that you need. Trying to find the right coverage and choose the proper options requires someone you can trust, and Bromberg Insurance Services has been your trusted source for Malibu auto insurance since 1965.

Because of our experience in the Malibu auto insurance market, our clients often pay hundreds of dollars less per year by taking advantage of our ability to meet your needs. Take a moment and fill out an online quote form or call us right now and start saving today.