20 Common FAQs about Auto Insurance in Ventura, CA

Deciding on the best auto insurance in Ventura comes down to answering a series of questions. Everyone has their own unique traffic history and other variables that affect insurance rates. Here are the 20 most common questions about auto insurance in Ventura.

  1. What are the minimum requirements for auto insurance in Ventura?

You are required in California to carry full insurance coverage for your vehicle if it’s financed. You must carry proof of coverage at all times.

  1. Does “full” really cover everything?

The term “full” has different interpretations among various insurance firms. That’s why it’s important for you to clearly understand what you’re paying for. “Full” coverage does not necessarily equate to every breakdown, such as a flat tire.

  1. What happens when I get into an accident that isn’t my fault?

The two insurance companies will work on a settlement agreement. You will have to pay a certain deductible amount out-of-pocket before your coverage kicks in.

  1. Will my premium increase if I’m involved in an accident?

If you are considered the at-fault driver, your rate will go up the next time your policy is renewed. That means if the court determines you are mostly responsible for an accident with over $1,000 in damage, you will pay a higher premium.

  1. How much insurance is necessary beyond the minimum requirements?

It’s up to you how much coverage you buy, which will have a lot to do with what you can afford for monthly payments and out-of-pocket deductibles.

  1. Can I make adjustments to my policy after becoming a holder?

It’s easy and instant to make changes to your policy. In some cases, changes may be delayed for a specified date, but usually, the change becomes effective immediately.

  1. Will the policy provide coverage for car rental?

Your auto insurance in Ventura will cover the rental of a private passenger vehicle in the United States or Canada. The policy for your disabled vehicle carries over to your rental vehicle.

  1. What happens if I want to add another driver or vehicle to my policy?

You won’t need to create a new policy if you want to add a driver or vehicle. It’s a simple process to add other names or vehicles to your policy.

  1. Am I able to modify my policy online or on the phone?

Policies for auto insurance in Ventura can usually be changed online or on the phone.

  1. What is the payment process?

Make your payment directly with your insurance provider according to the terms of your plan. Most insurance policies require the payment to be made or postmarked by the end of the due date.

  1. What happens in the event of a non-payment?

There are no grace periods for lack of payment. Coverage ends during payment lapse periods, which poses multiple risks, including cancellation.

  1. Can a canceled policy be reinstated with a payment?

Canceled policies can be reinstated if they meet two criteria. The payment must be received or postmarked within 25 days past the due date. It must also be the full amount.

  1. What are the factors that determine my car insurance rate?

Each insurance company has its own policy for determining rates, usually based on your driving record, vehicle type, zip code, and demographic factors.

  1. Am I covered for a cracked windshield?

Yes, your auto insurance in Ventura will cover repairing cracks on your windshield, and it will not affect your premium.

  1. Can my rate change after getting a quote?

In some cases, rates may be adjusted after you receive a quote based on your driving record and other factors.

  1. How are insurance rates regulated?

California law requires insurance firms to file with the state their methodology for calculating individual rates, and then they must commit to this formula. State regulators monitor insurance companies licensed to operate in the state.

  1. Is it rare or common for auto insurance companies to offer discounts?

It’s fairly common for California auto insurers to offer specialized coverage and various types of discounts. Typical discounts are awarded to drivers for good driving, low-mileage, and use of anti-theft devices.

  1. Do I really need roadside assistance?

It’s wise to carry roadside assistance because you never know when your vehicle is going to break down. In many cases, there are no out-of-pocket expenses for a tow truck if you sign up for this coverage.

  1. Am I covered if I drive to Mexico?

Your auto insurance in Ventura will only cover you and your vehicle in the United States. Talk with your insurance agent for expanding coverage to Mexico.

  1. Where can I get more information about auto insurance in Ventura?

Learn more about affordable auto insurance in Ventura by contacting the experts at John E. Peakes Insurance Agency.  We are ready to assist you with all your coverage needs today.

 

By John E. Peakes Insurance Agency

Since we opened in 1969, John E. Peakes Insurance Agency Inc. has provided personalized insurance solutions for local families and businesses. As an independent agency, we can offer our clients a wide range of coverage options from over 30 carriers. From homeowners and auto insurance to business coverages such as commercial property and general liability insurance, we have the policies that you need.

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