8 Questions you need to ask before buying auto insurance in Napa, CA

If you are shopping for an auto insurance policy in Napa, CA, you need to know the right questions to ask to get a good deal and proper coverage for your car. Most insurance agents are unwilling to give you in-depth information about the coverage options and only provide you with the basics. It is up to you to ask a lot of questions to know the plans available for you. 

Wine Valley Insurance Services in Napa, CA have customer-centric agents ready to respond truthfully to all your questions and provide you with a suitable auto insurance policy. Here are eight questions you should discuss with our insurance agents before signing your policy forms.

8 Questions you need to ask before buying auto insurance in Napa, CA

What types of coverage options are available for my vehicle?

In Napa CA, vehicles are required to have liability insurance which covers the cost of injuries in case of an accident or death plus the damage caused to the car. It also covers third-party property damage and legal fees.

Who is covered by the policy to drive my car?

This is an essential question that is often overlooked. Seek clarity on who is covered by the policy, especially if you will not use the vehicle.

What will my car premiums be?

It is essential that you only agree to premiums that you can afford to pay to avoid instances where your vehicle insurance claims are not repaired due to unpaid premiums.

Does the insurance company offer discounts?

If you qualify for a discount that the insurance company offers, go for it!

What are my premium payment options?

Enquire from the agents from Wine Valley Insurance Services in Napa CA, about all possible payment options, including whether you can pay the entire annual bill at once.

How will you determine the value of my car?

The value of your car heavily impacts your premiums. Ensure your vehicle is not undervalued or overvalued since this will negatively impact in case of an accident.

Do you have a 24-hour claim service?

Having a 24-hour claim service assures you that you will get the required services in an accident.

Will I receive the original manufacturer’s parts if my vehicle has an accident?

Not all insurance companies will have your vehicle’s damaged parts replaced with the original manufacturer’s parts.

Do you have more questions? Please speak to our Wine Valley Insurance Services agents in Napa, CA or visit our website and chat with us.

5 Common Types of Auto Insurance

If you are on the market for auto insurance, you must understand the different policies. Auto insurance helps protect you and your passengers in case you get into an accident. Auto insurance is a legal state requirement, and it’s important to get the right one to save you from financial devastation from damages, injuries, and medical expenses. Wine Valley Insurance Services, Inc. provides auto insurance services to residents of Napa, CA.

Types of Car Insurance

Personal Injury Protection

This insurance may cover some medical expenses and income loss following a covered accident. Personal injury protection policies have limits, depending on which it covers a large percentage of expenses stemming from a covered accident to up to 80%.

Liability Insurance

Liability coverage is a legal requirement in most states, and drivers must buy at least the least amount of liability coverage as per the law. Liability coverage provides property damage and bodily injury liability in case of an accident.

Collision Coverage

Collision coverage comes in when accidents involve a vehicle collision with another vehicle or with things like fences. This coverage helps cater for repair costs and replacements to the car’s actual cash value minus deductibles.

Comprehensive Insurance

This coverage is helpful for when your car is damaged in a covered peril such as vandalism, theft, hail, or fires. Comprehensive insurance helps with repair costs and the replacement of cars where needed. It pays for car damages due to vandalism, accidents with animals, and certain weather events.

Uninsured/Underinsured motorist coverage

Accidents are unexpected, and you could get hit by a driver with no insurance or one who’s underinsured. In such cases, your auto insurance helps cater for medical expenses and car repairs in some states.

No matter how careful a driver you are, accidents happen, and when they do, they cause a lot of financial and emotional stress. Having the right auto insurance helps protect drivers on the road. If you are shopping for a car insurance policy in Napa, CA, contact Wine Valley Insurance Services.

Is basic auto coverage ever enough?

California has almost 400,000 miles of roads. If you love to drive and see the scenic coastline, you can certainly get your fill in the Golden State. Before you hit the road, you must have the right auto insurance to make sure you are protected. At Wine Valley Insurance Services in Napa, CA, we have been providing service to residents for more than nine years and our team has a decade of experience. Our duty to our customers is to make sure you have the right coverage for you and your vehicle.

California requires drivers to show financial responsibility in the event of an accident. Most choose to do that with auto insurance. In California, basic auto insurance is pretty basic. The mandate is 15/30/5. What that means is if you have an accident and are responsible, your insurance will pay $15,000 for injuries to the first person with a total for the entire accident of $30,000. Since an emergency room visit can cost upwards of $10.000, you can see how inadequate that amount is. The property damage coverage is $5,000. With the average cost of a car $38,000, you can see this could leave you paying for thousands of dollars out of pocket. 

Additionally, basic coverage does not take your car into account. If you need your car to get to work or just to run errands you will be left to pay for any repairs by yourself. Most people are not financially equipped to pay thousands of dollars of auto repairs. If you have collision insurance it will pay for the repair minus a deductible. For other damage, comprehensive coverage can be a lifesaver. If you need a car, basic insurance just isn’t enough. 

When you are looking for auto insurance, Wine Valley Insurance Services in Napa, CA is here for you, at our office or on the phone.

Auto insurance needs for a teen driver in Napa, CA

Auto insurance needs for a teen driver in Napa, CA

Purchasing an auto insurance policy for your teen driver is a requirement by California law. Like any other car driver, your teen will be required to carry minimum liability coverage of bodily injury and property damage liability. Finding a policy that suits their needs can be a challenge, but Wine Valley Insurance Services can help you keep your teen safe on the roads. So, which policies should you focus on, and how do you ensure you are not overcharged just because your teen is a new driver. Here are a few expert tips to take home.

Involve your teen in insurance talks

From the very beginning, it’s essential to talk to your child about their responsibilities as drivers. They need to understand that auto insurance is not cheap and reinforce safe driving tips. You should also explain to them the process of purchasing auto insurance and the consequences of reckless driving. Let them know that increased claims can lead to costly premiums, license revocation, and even jail terms.

Add them to your policy

Most insurance companies in Napa, CA allow policyholders to add their children into their policy. It’s typically less expensive to add your teen to your own policy than buying separate coverage. Remember, young or new drivers pay higher premiums than other drivers. However, there are serious consequences associated with this practice. If your teen is not a good driver, they can raise your premiums, but the good part is that you can always remove them.

Buy more liability coverage

You might want to focus on liability coverage whether your teen is an experienced driver or not. Apart from the required minimum, you can add the coverage to a reasonable limit to protect yourself and your teen from financial losses in case they cause an accident.

Experience the peace of mind you need whenever your teen hits the Napa, CA roads.  At Wine Valley Insurance services, we are all about caring for what matters to you most. Call us to get a customized auto insurance policy for your teen.

3 Advantages of Having Comprehensive Coverage

Comprehensive auto insurance coverage is more expensive than other types of insurance but the level of security it provides makes it worth the added expense. At Wine Valley Insurance Services, Napa, CA residents have access to agents who are willing to go the extra mile to get them the auto insurance they need.

Pays Off Your Car Loan

Comprehensive coverage is required by most lenders. With comprehensive insurance, the lender is guaranteed they will get the money they are owed, even if you total your car in an accident. If your loan is already paid off, the compensation you receive can go toward the purchase of a new car.

Covers Most Types of Damage

Comprehensive auto insurance covers a wide variety of damages. Theft, collision, hail damage, and vandalism are all covered under a comprehensive policy. Comprehensive coverage also includes liability for your passengers and others who may be injured. The ultimate policy gives you the best all-around coverage.

Peace of Mind

Your car is an investment that you want to protect. Comprehensive auto insurance gives you the peace of mind that you need. With a comprehensive policy, you know that all of your liability will be covered in terms of paying off your car loan and making repairs after an accident. 

The benefits of having comprehensive auto insurance coverage are many. The agents of Wine Valley Insurance Services have the answers Napa, CA residents need when it concerns comprehensive auto insurance coverage. If you are unsure about whether or not, you need this type of car insurance policy, call and talk to one of the agents today. They can give you the answers you need to make an informed decision.

What are the benefits of getting auto insurance in Napa?

The Napa, CA area can be a great place to work and live. If you are going to live here, owning a car is likely a necessity. When you do purchase a car in this area, you should get a quality auto insurance policy. There are several benefits that will come when you receive a full auto insurance policy for your vehicle. 

Receive Valuable Protection

One of the reasons why you should get an auto insurance policy in this area is that you can receive valuable insurance protection. With a full auto insurance policy, you are going to receive coverage for a variety of situations that could result in a loss. This could include property protection to repair or replace your vehicle and liability protection, which will give you coverage if you cause damage to another party.

Comply with Requirement

Another benefit of getting an auto insurance policy here is that it will allow you to comply with your requirements. Anyone that is going to purchase a car in this area of California will be required by law to carry liability auto insurance. Additionally, if you have a car loan, you will need to get collision and comprehensive insurance. A full auto insurance policy will keep you in good standing with all of these requirements.

Ultimately, there are many benefits that come with getting an auto insurance policy in the Napa, CA area. If you are going to purchase a car in this area, you should speak with the team at Wine Valley Insurance Services to discuss your insurance needs. Wine Valley Insurance Services can help you to better understand all of the complexities that come with picking an auto insurance policy to ensure you get into the best policy for your situation. 

Do I need collision and comprehensive coverage after my auto loan is paid

In Napa, CA like most of the United States, people count on their vehicles to get around. More than that, vehicles are an expression of personal taste and style and it is not unheard of for cars to have names and be almost a member of the family. Whether your car is just transportation or you have a love affair with it,  it important to know what auto insurance is mandatory in the state of California. At Wine Valley Insurance Services we have a team who is prepared to make sure that you understand all there is to know about auto insurance. 

Once you have paid off your auto loan, you are not required to carry comprehensive or collision insurance. Just because you don’t need to carry this valuable insurance doesn’t mean that you shouldn’t opt to carry it. Collision protects your vehicle in the event of an accident where you are at fault and will pay for repairs or replacement up to the limit of your policy. It can also protect you from an uninsured/underinsured motorist or a hit and run. 

Comprehensive coverage is also known as non-collision insurance. It covers you for lots of things that can damage your car but are beyond your control. Who hasn’t had a stone fly up and crack their windshield? It also offers protection from the theft of your vehicle or vandalism. Weather events can damage your car, wind, hail, and flooding just to name a few. All of these can cause major damage to your vehicle. 

If you opt-out of carrying collision and comprehensive, the cost of damage or replacement of your vehicle will fall to you. Talking to one of the knowledgeable agents at Wine Valley Insurance Services in Napa, CA can help to answer your auto insurance questions. Give our office a call or stop by for a no-obligation quote. 

Reevaluating Your Auto Insurance Needs In Wine Country

Fires are becoming a regular problem in Wine Country, of late. As recently as October, drivers have had to flee the area, packing up what belongings they valued and heading for safer areas. Some people had to abandon their cars and get to safety on foot. This new threat might lead you to reevaluate your auto insurance coverage. Wine Valley Insurance Services serving Napa, CA understands and wants to help.

Beef Up Your Liability Coverage 

From wildfires to floods, natural events occur suddenly and unexpectedly. You want to have auto insurance coverage that will help protect your vehicle against these and other dangers. Liability insurance is the state-required minimum, but it will only protect you in the event of an auto accident where you’re determined to be at fault.

Comprehensive and Collision Coverage Can Help

If we’ve learned anything over the last couple of years, it’s that minimal coverage is rarely enough to help during a crisis. That’s why you should consider adding comprehensive and collision coverage to your policy.

Fire and water damage are costly expenses that you don’ t want to have to deal with along with the trauma of facing a life-threatening environmental disaster. Supplemental coverages can help manage the financial burden incurred by these events.

Prepare for the Unexpected

You can’t always control the events happening around you, but you can control how you prepare for the unexpected. It’s a good idea to review your auto insurance policy to reevaluate your coverage.

At Wine Valley Insurance Services serving Napa, CA we want to help you feel secure knowing that we have you covered during times of crisis. Contact us today to discuss your auto insurance needs and learn where you can fill in coverage gaps.

Does Auto Insurance Cover the Cost of a Rental Car?

Following an accident, many drivers need to get a rental car to help get them to and from work. Rental cars can be expensive however and most people do not have a ton of money sitting around to get a rental car. For those in the Napa, CA area, the agents with Wine Valley Insurance Services can help you to get the policy that is right for you.

An auto policy covers a great deal and many auto policies do help cover the cost of rental cars after an accident. For those that are dealing with the aftermath of a car accident, many auto insurance policies are going to help cover the cost of renting a car until your car is repaired or until you get a new car. this is to help make sure that you are going to be able to get to and from work, your doctor visits and more. This means that your policy is going to help cover the cost of getting a rental car from an authorized dealer so that you can get to work and so that you can get back to normal life after your accident.

Rental cars after an accident are a fantastic thing that can help make the process of recovering after an accident far easier and far more care free than they might be in other cases. Recovering from an accident it never easy but having a rental car can help make the process a bit less troubling and can help you get your car back sooner and get back to normal life sooner as well. For those that live in the Napa, CA area, the agents with Wine Valley Insurance Services can help you find the policy that works for you.  

How Long Does a Bad Driving Record Affect Your Auto Insurance Rates?

When you have a spotty driving record, you are considered high-risk for auto insurance companies. The good news is that you won’t have the high-risk label forever if you avoid future traffic violations. Any concerns with how your driving history affects your insurance rates can be discussed with the agents from Wine Valley Insurance Services.

Variable Timeframes

Each insurance carrier will handle poor driving records differently. For minor violations, the insurance carrier may only consider incidents that occurred in the last two to three years. For more serious traffic violations and accidents, the report may stay on your record for at least five years. Insurance carriers who cover drivers in the Napa, CA area may offer accident forgiveness for policyholders who typically have a good driving record.

Types of Offenses

Not all traffic incidents will have a major impact on insurance premiums. For instance, non-moving violations such as an expired inspection sticker or parking ticket will not likely change insurance rates. High-speed driving tickets, DUI violations, and careless driving tickets will have the most effect on insurance coverage.

Quick Ways to Clean Up a Driving Record

Waiting for your driving record to clear up on its own can feel cumbersome. The good news is drivers can take proactive steps to fix their driving records. For one, you can choose to fight any traffic violation tickets. The ticket may be dismissed or reduced by the judge depending on the circumstances. You could also request traffic violations, and convictions are expunged from your driving record through the State of California Department of Motor Vehicles. Driver safety courses also assist with fixing a poor driving record in order to secure better auto insurance rates.

Contact one of the friendly and professional agents from Wine Valley Insurance Services about auto insurance coverage. The company serves drivers located in Napa, CA and surrounding areas.