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Auto Insurance

Car Driving Home Shield Insurance SolutionsAre you saving as much as you could?  Home Shield Insurance Solutions offers auto insurance and in most cases the insurance carrier you have offers discounts up to 23% for bundling your home insurance with your auto insurance.  Our knowledgeable insurance experts can help you find the right coverage for your family, cars and location to ensure you are saving as much as possible.  For those without accidents, there is a good driving discount.  Your college student with good grades can get a discount as well.   Finally if you have a factory installed car deterrent system, you could get a discount too.  How many discounts does your policy have?  Give Home Shield Insurance Solutions a call at (888) 214-7525 or go to our online quote  page to take the first steps to saving money.

Components of Auto Insurance

Auto insurance has two major parts, liability and comprehensive.  Most states require liability coverage for your car at a minimum level should you be involved in an accident.  Liability coverage is often listed in this format 15,000/30,000/5,000.  That means there is maximum of $15,000 coverage per person per accident, with a total $30,000 limit per accident.  The final number represents $5,000 for property damage during that accident.  Basic coverage starts at 25,000/50,000/25,000 which for most customers is a good starting point.

Home Shield Helpful Tip…
Home Shield Insurance recommends for all auto insurance to have a base level 100,000/300,000/50,000 coverage for the vehicle.  In an age where lawsuits are ever more common, protect yourself with slightly higher than required coverage for extra peace of mind.

Red Auto Home Shield Insurance SolutionsThe other important item to know before buying insurance is if you want Collision coverage or Comprehensive coverage.  The difference is that with collision coverage you are going to be protected while driving the vehicle.  Comprehensive coverage is for when your vehicle is involved in a fire, stolen or damaged by other natural hazards like water or hail.

Lower Premiums with higher deductibles

In order to keep premiums low, have a higher deductible. This change from a $250 deductible to a $1,000 deductible could save you hundreds of dollars each year.  However, the down side is that you may pay more out of pocket for your repairs when an accident does occur.  If you are a safe driver, this may be a good option for you.  However if your significant other or new driver is prone to minor accidents, perhaps a lower choice is best.

Premium Calculations

The driver, the car and location of where you park your car are all factors of the car insurance premium. If you move, you should tell your auto insurance company to both update their records and adjust the premium for the new garage address.  Auto insurance takes into consideration the owner of the car and the prior driving history.  Since the car is mobile, it makes sense to charge poor drivers for more since they are more likely to be in an accident.  Find out ore about auto insurance by calling our insurance experts at (888) 214-7525. Or request a free no-obligation quote online.

 


Home Shield Insurance Solutions is a personal lines insurance agency specializing in homeowners insurance, auto insurance and seasonal dwelling insurance.  Home Shield serves the western states of California, Nevada, Arizona, and Colorado including the metro areas of Los Angeles, San Francisco, San Diego, Phoenix, Tucson, and Las Vegas.

Our home insurance products are competitive across all types of coverage.  We compare insurance among the top carriers like Mercury, Safeco, Travelers, Foremost and Stillwater.  Our experienced insurance agents can provide a quote within minutes for your property and cars. If you would like to know more about your insurance options, please call our insurance experts at (888) 214-7525 or get a quote started with our online form.