It doesn’t matter if you own a fun red convertible or a black luxury SUV—in order to legally drive it in California you must have auto insurance. Just how much insurance, however, is often the question. You want to have adequate coverage for all of the unique aspects of your vehicle without paying a premium on your premium. Here are a few questions to ask yourself when determining the right amount of Orange County auto insurance coverage.
How often will you be on the road?
If you put a lot of miles on your vehicle, you will probably want more coverage. Long commutes and frequent road trips increase the likelihood that you will be involved in an automobile accident. If your personal vehicle is also used for commercial purposes, you may also need to purchase additional coverage.
What type of car do you drive?
Certain types of vehicles are considered higher risk than others. For example, convertibles are more prone to interior water damage if the top is left down. Also, exotic cars have higher theft rates not to mention higher repair costs. In either instance, you will probably want to choose a policy with higher comprehensive coverage limits.
What condition is your vehicle in?
On the other hand, if your car is an older model or isn’t in the greatest condition you may not want a policy that includes comprehensive coverage. Comprehensive coverage ultimately increases the premium and, over time you could end up paying more in premiums than it would actually cost you to replace the vehicle. Ultimately, your final decision should be based on what you can afford and what type of coverage you are comfortable with.