Category: Auto Insurance

If you’re contemplating adding extra coverage to your auto insurance, weighing the benefits of comprehensive and collision coverage may be challenging. The critical point isn’t figuring out which is better but determining which aligns best with your driving habits. If you’re uncertain about which coverage to get, our knowledgeable representatives at Reinas Insurance Agency Inc. in Pasadena, CA, are here to help.

Understanding Comprehensive vs. Collision Coverage

Comprehensive insurance covers damage acquired by a vehicle due to unexpected incidents like theft, natural disasters, or fires. The instances covered are generally not included in standard auto insurance policies.

In contrast, collision insurance caters to damage from a car accident involving another driver or object. Collision coverage is typically not bundled into standard insurance plans and must be added separately. It is advantageous when your vehicle suffers significant damage, especially if it’s totaled. With collision coverage, you’re assured of protection and a guaranteed payout for your damaged vehicle.

Which Coverage is More Suitable?

Adding comprehensive and collision coverage enhances your standard auto insurance plan. However, consider your unique circumstances if you need to choose only one. Our agents at Reinas Insurance Agency Inc. in Pasadena, CA, comprehend your needs and are prepared to provide personalized advice to help you make an informed decision. This way, you can feel confident that you’ve chosen appropriate coverage for your vehicle.

Learn More about California Auto Insurance

Bundling collision and comprehensive insurance into your standard auto insurance plan can prove invaluable. Not everyone will require these coverages; you should only consider them if necessary. If you’re struggling to determine which one would suit you best, consider contacting us at Reinas Insurance Agency Inc., either via email or a phone appointment. We’re committed to assisting and guiding you.

Understanding Auto Insurance: Comprehensive vs. Collision Coverage

Are you considering a new auto insurance policy? There’s no denying the importance of distinguishing comprehensive from collision coverage – crucial knowledge when deciding on car insurance in Pasadena, CA. The expertise from Reinas Insurance Agency Inc. will ensure you understand these differences before making any decision.

What Is Comprehensive Coverage?

Unforeseen incidents taking a toll on your vehicle in Pasadena, CA can entail various scenarios – a tree slamming into your vehicle damaging both interior and exterior being a prime example. In such instances, comprehensive coverage extends the needed auto insurance protection.

What Is Collision Coverage?

Damage to your automobile can result from multiple scenarios, such as a tree fall or vandalism, but standard car collisions are a frequent cause. Collision coverage caters to this eventuality, taking care of damages inflicted during a standard accident.

Comprehensive or Collision Coverage?

When selecting an auto insurance policy, the golden rule is to ensure enough coverage under both comprehensive and collision insurance. Consult with a representative from Reinas Insurance Agency Inc. to gauge the costs vs the value provided by these coverages, considering your car’s worth and condition.

Are you confused about the Best Auto Insurance Policy?

Determining the right car insurance policy for your vehicle in Pasadena, CA, can be daunting. At Reinas Insurance Agency Inc., we are ready to provide you with the needed guidance and assistance throughout your car insurance shopping journey. Contact us today.

If you’ve been a vehicle owner for a while, you’re aware of how expensive full-coverage auto insurance can be in Pasadena, CA. If you like living as frugally as possible, you might be tempted to try to get away with only carrying liability insurance on your vehicle. But is it a good idea? Is it possible? We at Reinas Insurance Agency Inc. are aware of the struggle to pay the high insurance rates in Pasadena, CA. Here is our stance on the probability of getting away with only liability insurance. 

Is Your Vehicle Being Financed? 

When a bank finances a vehicle for you, full-coverage insurance is almost always required as a condition of the contract. Therefore, you must carry full coverage insurance and not just liability insurance, or your car could get repossessed if the bank finds out. 

Do You Drive Frequently? 

If your car is fully paid for, yet you drive frequently, attempting to carry only liability insurance isn’t a good idea. While you’re not required to have full coverage insurance on a vehicle that you’re no longer making payments on, if you drive a lot, it’s smart to have. Why? Pasadena CA is a busy area full of many drivers. This increases the likelihood that you might become involved in a car accident, and you want to ensure you’re covered if you are. 

We Are Here To Help

As you can see, there are several things that you need to consider before deciding to try to get away with only liability insurance. If you have an older car that you don’t drive much, liability might be the best option. However, if you have a late-model vehicle and you’re still making payments on it, full-coverage insurance is a must. If you need a new insurance provider, contact us at Reinas Insurance Agency Inc. for a quote, and hopefully, we can serve you like we have served so many other customers over the years.