When a California car owner is looking for car insurance, the simplest way to make sure you get the best deal is to ask the experts for assistance. At Sameday Insurance, we do all the comparing and contrasting for you so you not only pay the least amount possible, but you get the best coverage possible for your budget and needs. We’re excited to welcome Mercury to the list of available insurance providers we deal with — and you should be too.
A Long History
Mercury insurance has been around since 1961, and it’s a comprehensive company that provides not only auto insurance, but home and business insurance too. With that kind of reliability, you can rest assured your coverage will kick in should you ever need it without much hassle.
The more insurance providers we have a relationship with, the better your savings. We negotiate for the best rates for our clients and when we have more providers to compare and contrast, that means we’re guaranteed to find you the best rate on the most comprehensive coverage for your needs.
When you work with the same insurance company for your home and/or business coverage as well as your car accident coverage, you’re eligible for discounts unavailable to those who buy only one form of coverage. Start with car insurance through Sameday and then ask our experts about how to proceed with switching your other forms of insurance to Mercury for a better deal overall.
Contact Sameday Insurance today to get your affordable quotes fast. Mercury may or may not be the best insurance provider for you, but the more options you have, the better your chance of saving money and getting more comprehensive coverage.
Insurance policies have their own language which can make them difficult to understand. So you will know what your insurance agent or customer service representative is talking about when you get car insurance in Van Nuys , here are some common auto insurance terms and their definitions.
Actual cash value: Current replacement cost minus depreciation.
Bodily Injury Liability: This gives payments to people who are physically injured and the injury is your fault.
Claim: The action of a policyholder asking the insurance company to pay for his or her losses.
Collision Coverage: Covers damage when your car collides with an object, like another vehicle or even a pothole.
Comprehensive coverage: Covers damage other than collision, like vandalism or hail.
Declarations page: A page in the policy that shows the amount and length of coverage, the premium amount and the property being insured.
Deductible: The out-of-pocket amount the policyholder has to pay before the insurance company pays.
Gap Insurance: This covers the amount that is left on the car loan after the insurance company pays the actual cash value.
Named driver policy: Coverage applies to the driver only if he or she is named on the policy.
Premium: The amount you pay for insurance coverage.
Property Damage Liability: This covers damage to someone’s property caused by your vehicle.
Rental reimbursement coverage: This pays for a rental car when your car is being repaired.
Third Party: With insurance, the policy holder is the first party, the insurance company is the second and anybody else is a third party.
Underwriter: This person decides whether or not the insurance company should approve your application and how much your premiums should be.
UM or UIM: These stand for uninsured motorist or under-insured motorist. Your company pays when the motorist at fault is not insured or does not have sufficient coverage to pay for all the damage.
VIN: The Vehicle Identification Number is found on the dash and can be seen through the windshield.
California car owners are required to have minimum insurance coverage, so if you’re on a budget, your best bet is to shop around and find the best coverage for the lowest price. When it comes to something like car repair insurance, though, you may wonder if you have room in your budget to pay for it — and if it’s worthwhile to begin with. Prioritize car insurance for accidents, but do consider car repair insurance if you think it suits your lifestyle and budget.
Save on Car Insurance
Get cheap California car insurance quotes at Same Day Insurance and you’ll see how much you can save when you ask for the experts to help you find the best coverage for the lowest price. Even if you typically see your car insurance quotes go up due to your gender, age or history of an accident, we can still find you the best possible price. When you pay less for car insurance, you’ll have more money in your budget you can consider putting toward car repair insurance.
Consider the Condition of the Car
The newer your car, the more affordable car repair insurance may be, but the less likely you are to need it. Whatever repair is not covered by a warranty is likely to prove inexpensive — less than it would cost you each month to pay for the insurance. While car insurance for accidents is always necessary regardless of the age of your car, car repair insurance is less necessary for new cars in good shape.
Consider the Deductible
The higher your deductible, the more affordable car repair insurance will be. Consider how much you think you can pay if need be — perhaps $500, $1000 or even as much as $2500 or $5000. That way, you’ll know your repair insurance will guarantee you won’t need to pay more than that any given year, but you also won’t have to pay more than you can afford for it each month.
Same Day Insurance makes shopping for insurance as easy as can be. Buy a car, go online and get your insurance, so you can hit the road the same day with the confidence you’re covered. Consider car repair insurance in the long-term, but don’t feel it’s necessary unless you find coverage for the right price.
There have been many improvements to cars over the years, especially in the area of safety. Some auto insurance companies offer discounts for certain safety features so keep that in mind when buying a new car or shopping for car insurance in Anaheim. Here are some recent safety features:
Adaptive cruise control: This monitors traffic patterns to adjust the speed of the car. The driver picks the speed and the amount of room to leave behind the vehicle in front.
Alertness monitoring: This system will detect erratic driving and then makes a warning sound along with flashing lights. It has a camera that monitors your eye movement to see if you are paying attention and some systems monitor eyelid movement, to see if you are getting sleepy.
Automatic Parking: Cameras and radar are used to position your car into a parking spot. Some systems help with angle parking as well.
Backup camera: This shows a current feed of the area behind the car. It comes on automatically when you put the car in reverse.
Blind-spot warning: This has a light on the side view mirrors that warns you of a vehicle in your blind-spot. Some systems make a warning sound if you start to move or turn on your blinkers and others have a camera showing your blind-spot. Advanced systems slow the car or return it to the center of the lane.
Electronic stability control: This keeps the car from losing traction during slippery conditions. It applies brakes to all wheels independently to help you stay in control.
Forward collision warning: Sensors give a visual and/or audible warning if a collision is imminent.
Lane departure warning: This alerts you with an audible warning, visual alert and/or vibration of the steering wheel or seat if you start to drift.
Lane-keeping assist: Automatically steers the car back into the center of the lane.
Pedestrian detection: Some systems issue a warning, either visual or auditory, and some will brake automatically if someone is in your path.
In the world of auto insurance, there are a lot of misconceptions floating around out there. Unfortunately, many consumers believe them to be true. Here are four myths about auto insurance, and the real truth behind them:
1. You Should Only Shop Around When Your Current Policy Expires
Why wait to find another, better, cheaper policy when you can do that right now? The sooner you go about shopping around for car insurance Van Nuys, the sooner you can start saving money on your policy!
You might not realize that you’re not actually bound by an auto insurance policy for the full term. You can cancel at any time, subject to any fees that your carrier may require. Compare fees with the potential savings that you would get by switching your car insurance policy.
2. If You Let a Friend Borrow Your Car, It Won’t Be Covered Against Damages
For the most part, this isn’t true. Comprehensive and collision coverage provides protection against damages to your car, no matter who is driving it. However, if this friend of yours has been explicitly excluded from your insurance policy, then the damages would not be covered.
3. Rates Automatically Go Down As Soon As You Turn 25 Years Old
While age is an important factor in pricing models for insurance providers, that doesn’t mean a deduction, is automatic as soon as you reach the 25-year mark. Age is certainly used to predict the odds that you will make a claim.
Even though drivers under the age of 25 are statistically more likely to be in a car accident, every insurance provider will handle the effect of age on the policy’s price differently. Also, there are many other ways to get discounts on your policy, including bundling your property and life insurance policies with your auto insurance policy.
4. Comprehensive Coverage Covers The Theft Of Your Car And Everything That Was In It
Comprehensive coverage will only cover things that are physically attached to your car, including the stereo, GPS system, and so forth. Anything else, like your smartphone or laptop, would not be covered; however, they may be covered under your homeowner’s or renter’s insurance.
Be sure to get all the right information on your auto insurance policy to stay up-to-date!