Murrieta Insurance: What You Need to Know
Living in the city with one of the lowest crime rates in the state could be one of the reasons so many people are moving to Murrieta, California. Murrieta is experiencing a rapid population growth as it appears to be a safe, clean place to raise a family. Close proximity to San Diego and Orange County also make it an ideal commuter city.
With so many commuters in and out of the city each day, an increased risk for accidents make it more important than ever to make sure you have the right insurance covers.
Making Sure You Have Adequate Murrieta Insurance
California operates under a tort system, meaning drivers must have a minimum amount of liability insurance to cover medical and property damage costs to the other car if they are at-fault. In California, these requirements include $15,000/$30,000 for bodily injury and $5,000 for property damage.
These minimum requirements are not likely to be sufficient in a serious accident. Let’s say you cause an accident and the other driver’s medical bills are $20,000. Your insurance only covers $15,000 of that, so you must come up with the additional $5,000 from your own pocket. Higher limits can help prevent this.
Adequate coverage will also include insurance for your own car. Sufficient Murrieta insurance quotes will likely include:
- Bodily Injury: $100,000/$300,000
- Property Damage: $50,000
- Uninsured/underinsured: $15,000/$30,000. This covers your medical bills if you are in a hit and run, or if you are hit by someone who does not have insurance.
- Collision: After the deductible you choose, collision insurance covers costs to repair your own vehicle in an accident.
- Comprehensive: This covers all damage or replacement costs after your deductible for anything that wasn’t related to a crash, like theft or flooding.
Lowering Your Murrieta Insurance Quotes
Many people get the minimum coverage in order to save money, but you can still get adequate coverage for yourself and your vehicle without having to break the bank. Looking for discounts on your insurance, putting multiple cars on your policy, or insuring your car and home together are all ways you can save on your insurance rates.
Shopping around and comparing multiple Murrieta insurance quotes is also important. Comparison shopping for insurance is the best way to ensure you are getting the best price on your coverage. A comprehensive site like netquote.com has the tools needed to research coverage options and amounts, and then find multiple Murrieta insurance quotes in a matter of minutes.