Comprehensive Car Insurance San Francisco California CA
Reader’s Question:
I’m a careful driver so why would I need to spend more for auto insurance coverage that what is required here in San Francisco, CA?
Kimberly
San Francisco, CA
Hi Kimberly! Certainly, what you are legally required to purchase in the US, probably including San Francisco, California is basic auto liability coverage wherein injuries that you inflict on things/places, yourself or others because of your driving may generally be compensated. However, insurers now offer other forms of auto insurance coverage, which you may want to look into – being a careful driver does not guarantee that you don’t get into accidents. Remember, it’s not just you on the road. Other drivers may not be as careful or competent.
As such, it may be a good idea to at least look into collision coverage, which provides additional auto insurance in case of vehicular accidents, including those caused by other drivers. Comprehensive auto insurance ensures that you get some money for repairs or replacement in case of damage from earthquakes, hurricanes or vandalism, among others. Unexpected things happen all the time so it’s good to be prepared. You don’t have to purchase coverage for every possible thing, of course, but you might want to provide reasonable coverage from highly probably events.
I suggest you list the type of coverage you are likely to need and then get free online quotes to determine how much such coverage would cost in San Francisco, California. Just enter your zip code on the forms on this page. You can then add more or settle for less, depending on how much you are willing to pay.
Tags: auto insurance, collision insurance coverage, comprehensive insurance coverage
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