Auto Insurance FAQs

Auto Insurance FAQ's. The More You Know ...

The auto insurance Learning Center

There is a lot to know when buying auto insurance or if you intent to compare auto insurance online. It may seem easy, but it's actually more complicated than it appears on the surface.

Sure, an insurance agent can certainly help, but you may still want to explore your options on your own. We've put together a few auto insurance FAQ's to help.

If you are attempting to understanding things for yourself, take a look these auto insurance FAQ's review the auto insurance coverage resource and you should be able to find some answers that will help you while shopping auto insurance.

Q: WILL I GET A COMPARISON AUTO INSURANCE QUOTE?

A: Yes. Whether you are shopping on-line or with an agent, you need to make sure you get several quotes. IronPoint Insurance represents several of the best A-Rated companies in the business, so you can get your comparison auto insurance quotes done with one phone call. You also want to make sure that you aren't just provided only a quote, that isn't enough! To provide you the proper service for your California auto insurance needs an agent should be able to give you a review of your entire insurance portfolio. If you're on-line, make sure you understand the contract you are agreeing to, and the terms and conditions. Give us a call if you need assistance, we can help.

Q: WHAT IS THE RIGHT AMOUNT OF COVERAGE FOR MY AUTO INSURANCE?

A: While there’s no hard and fast rule about the amount of California auto insurance coverage you should have, and the state only requires a minimum amount of auto insurance coverage. IronPoint Insurance advises against carrying only your state’s minimum auto insurance requirements. You don't want to put your personal assets at risk if you are at-fault for a serious accident. The amount of insurance you need depends on several factors, including your appetite for risk and your assets. You should consult with a professional agent to discuss this matter, and get a proper breakdown to be sure you are properly protected. You don't want too much, but you certainly don't want to be without protection when you need it.

Q: HOW MUCH AUTO INSURANCE COVERAGE IS REQUIRED BY THE STATE?

A: The California Department of Insurance sets the mandatory minimum liability limits, and currently they are $15,000 per person and $30,000 per occurrence. This isn't very much coverage and we advise against carrying only your state’s minimum requirements. If you’re involved in a serious accident, your lower limits may not cover the accident’s costs. Generally, higher limits don’t cost much more than lower limits. If you’re involved in an accident you’ll be glad you have the increased protection!

Q: DO I NEED SPECIAL AUTO INSURANCE COVERAGE IF MY VEHICLE IS LEASED?

A: Each lessor lender has different requirements, but most will require you to buy comprehensive and collision coverage when you purchase your auto insurance policy. Many financial institutions will require liability limits that are higher than your state's minimum coverage requirements. This is done to protect their interest as the lienholder if you are determined to be liable for an accident.

Q: WHAT IF I WANT TO SEE HOW DIFFERENT COVERAGE LEVELS AFFECT MY AUTO INSURANCE RATE?

A: You are on the right track, you should shop your insurance with several carriers to make sure you are getting the right protection for the right price, and you should see how different levels of coverage work for you. You can do this by calling several companies or agents, or you can call IronPoint Insurance and get this all done with one call. We represent several A-Rate companies and can shop your insurance and compare your coverage across several companies.

Q: WHY DO I NEED AUTO INSURANCE COVERAGE?

A: Auto insurance is mandatory in the State of California. But even if it was optional, it is always best to take an inventory of your risks and have the right protection for your assets. Auto Insurance isn't just about fixing your car when you're in an accident, it also protects your other assets if you are found liable for damages or injuries you cause to others. For this reason you should have the proper protection, it just makes good sense.

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Location Address

Physical Address:
20322 Windrow, Suite 150-A
Lake Forest, CA 92630

Mailing Address:
PO Box 62436
Irvine, CA 92602

(714) 955-4132 - Local
(877) 344-7646 - Sales & Service
(760) 238-7116 - Agency Affiliation
(888) 316-4832 - Fax

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.

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