Auto Insurance Tips

A little known aspect of insurance policies here in California, is that Comprehensive claims don’t raise premiums! These claims are typically: vandalism, flying objects (i.e. baseballs, rocks & golf balls), sand damage, hail damage, damage from objects that were driven by high winds, damage from animals (including damage done to a wiring harness from chewing rodents), spills inside the vehicle cabin (i.e. milk, ink, motor oil). Please check your own policy to see what’s included in the comprehensive catagory.

Keep your comprehensive deductible low. $500 might be okay on a collision deductible where one tries to never make a claim, but Comprehensive deductibles should be kept low due to the difference in consequences of making a claim. Some insurance companies still offer a zero dollar deductible. Yes you will pay a little more, but the benefits far outweigh the added expense. As an example, I recommended a customer with a Corvette to reduce his Comprehensive deductible from $500.00 to $0. Almost a year later I had a chance to talk with him and ask him if he’d taken my advice. He said yes, and that it had only cost him an additional $5/month. A single windshield replacement from rock damage would pay for years of this wonderful coverage.       

If a collision claim is under $750.00, most insurance companies won’t apply a rate increase to your policy.

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  12. If a collision claim is under $750.00, most insurance companies won’t apply a rate increase to your policy

    Most people I deal with Mo are afraid of making a claim for fear of experiencing an increase in their insurance policy premiums. I think it’s a valid concern. However, there is a provision that we see many insurance companies offer, where a loss under $750 does not have a negative impact on their policy rates.

    For example, if you need a $600 repair done, and have a $100 collision deductible, they’ll pay the $500 out toward your repairs, with no further outlay from you in future premiums.

    That said, please contact your insurance carrier to see if this applies in your own case – Thanks.

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