Pacific Palisades Auto Insurance

Pacific Palisades auto insurance isn’t just about protecting the car; it is about protecting your family, your finances and the community. Every state, as well as California, mandates car owners keep a minimum amount of liability insurance, and at Bromberg Insurance Agency, we recognize the minimum amount is often woefully inadequate.

Travelling alongside the beautifully sculpted coral trees that have become a historical monument and the community logo, you really understand what it means to drive in the gorgeous world that is Southern California.

From the rough edges of Sunset Boulevard and canyons of the Santa Monica Mountains to riding the green belt and tall palms that line Bundy Drive, driving in Pacific Palisades is a wonderful experience of sights and sounds. With 47 years of experience protecting vehicles in Southern California, we understand cars and trucks as well as the desire to preserve your car investment.

How Much Auto Insurance Do I Need in Pacific Palisades

The state of California requires that all cars operated in the state possess proof of financial obligation in the event of damage or injury resulting from an accident, no matter which driver or vehicle is liable. In spite of this, the minimums established by the state are incredibly low and may not really pay the expense of any damages or injuries, or disabilities, and this could result in a devastating financial loss to you or your company.

Bromberg Insurance Services agrees with the Insurance Information Institute and recommends $100,000 bodily injury protection per person, and $300,000 per accident as a bare minimum. Car owners with a greater net worth (typically higher than $300,000) also need to give some thought to an additional form of liability insurance to protect personal economic assets against lawsuits which could result from an automobile accident. It is very important to keep in mind that legislation does not include other kinds of insurance protection.

Liability coverage will not repair damage to your car or truck, protect against theft or repair broken glass. Use the quote form on this page to find out what the basic requirements for your particular circumstances are today.

What Establishes the Price of Pacific Palisades Auto Insurance?

Probably the two most important variables in determining auto insurance premiums are your driving record and your age. Accidents, serious traffic infractions as well as the different kinds of claims you have made, all contribute to the price of your premiums. When you have a clean driving record and have maintained insurance protection, you may just enjoy a less expensive premium rate for your insurance protection.

Experienced motorists generally have fewer accidents when compared with less experienced, younger drivers. Drivers under the age of 25 are actually considered inexperienced and will have a higher premium regardless of their driving record. In an effort to decrease the rates for youthful vehicle operators, our company offers discount rates to trained drivers and excellent students.

The greater the number of miles you travel each day, and each year, raises the possibility of you becoming involved in an incident. This means that for those who drive fewer miles versus an ordinary car owner you might be eligible for a lower premium. You may also be eligible for certain discounts because you participate in a carpool with other motorists.

Pacific Palisades auto insurance rates are also impacted by your geographical area inside of the city. Insurance companies evaluate the cost and variety of problems for specific places in order to work out premium charges. In addition, they take the volume of thefts, legal actions filed and the cost of vehicle repairs into consideration when adjusting premiums.

The auto you drive and the amount of coverage you require plays a significant role in your monthly premiums. It may cost more to fix some motor vehicles than it does to repair others. Furthermore, some kinds of automobiles are targeted by thieves more frequently than others. The safety record of a particular model car is also important when determining rates as well.

Types of Pacific Palisades Auto Insurance Coverage Available

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 portion of your Pacific Palisades 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 an 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 different options available, Bromberg Insurance will help you navigate these options, find the lowest rates and make certain 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 Pacific Palisades auto insurance since 1965.

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