California Auto Insurance and Optional Coverages, Part II

If you’re looking to save some money or find out if there are any California Auto Insurance deals available through our carriers, you’ve come to the right place!  Depending on the carrier, there are many options available, such as discounts on multiple car policies and safe driving, as well as package deals, like the Optimum Package Plus from Safeco Insurance.  This package includes up to 15 affordable policy enhancements that can be added to your current Safeco coverage.

Here are some of the enhancements that are included:

Comprehensive Deductible Waiver – after a total loss, this type of coverage waives the comprehensive deductible.

Death Benefits – if your policy currently has Medical coverage, this benefit will pay $2,000 per fatality and any unused Medical payments limit.  If your policy currently has Personal Injury Protection, this benefit will pay $2,000 per fatality ($4,000 maximum).

Diminishing Deductible – provides a decrease in your collision deductible if you remain claim-free; $50 every six months for 6 month policies and $100 every twelve months for annual policies.

Electronic Lock/Key Replacement Deductible Waiver – replaces lost/stolen electronic keys & locks without applying your deductible.

Emergency Expenses – if you car is disabled, this coverage will pay expenses up to $200; if you’re involved in an accident more than 25 miles away from home, this coverage helps to pay up to $1,000 for meals, lodging, and emergency transportation.

Increased Loss of Income – if Safeco requests you attend a trial or hearing, this coverage pays $400 per day for your loss of income.

Liability Coverage for Punitive Damages – where allowed, this coverage waives the liability exclusion for punitive or exemplary damages.

Non-Owned Trailer Coverage – if you rent or borrow a trailer for moving/hauling, this covers up to $3,000.

Personal Property Coverage – if items are damaged or stolen from your vehicle, this coverage pays up to $1,000.

Pet Coverage – if your cat or dog is injured or dies in a collision (while in a covered or non-owned vehicle), this coverage pays up to %00 for veterinary expenses or death benefit.

Tapes, Records, Disks & Other Media Coverage – covers up to $500.

Waiver of Adjustment for Depreciation or Betterment – Safeco will pay necessary amount to repair or replace the damaged property.

Worldwide Rental Coverage – helps to extend the comprehensive and collision coverage for any rental car worldwide (does NOT include liability coverage) and is subject to your policy deductible.

If you have any questions about California Auto Insurance or the different optional coverages that are available through our carriers, give us a call!  Our dedicated and knowledgeable team is ready to help you find the right coverage to fit your unique needs!