AUTO INSURANCE

 

The Best Rates For Any Driver

At Gina Roman Insurance Services, we know that different drivers and different needs mean different policies. That's why our agents work around the clock to make sure your specific needs are being met - correctly.

We take every safety measure and precaution possible and consider all of your specific needs and circumstances. That's why our Auto Insurance is the best value in the industry.


WHAT YOU NEED TO KNOW ABOUT AUTO INSURANCE

The Basics:

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in San Diego, California, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

Auto Insurance Coverage options in California:

Comprehensive and Collision
Collision coverage insures you against damage to your vehicle caused during an accident.

Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. 

How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Do I need an SR-22?
An SR-22 is not actually insurance, but rather a certification that an insurer files to vouch for a risky driver. It's a way to verify insurance with the minimum liability coverage limits for drivers who have been ordered to obtain this by a judge. Common reasons include:

  • DUI or DWI

  • Too many points or tickets on your record

  • At fault accidents while driving with no insurance

  • To get reinstated if your license is suspended or revoked