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Clovis Car Insurance

Clovis car insurance comes with plenty of different options for drivers of all ages, lifestyles and incomes. Regardless of whether you are looking to settle down and start a family or are looking to retire in this friendly California community, Clovis comes with a number of excellent features including lovely parks, beautiful neighborhoods and plenty of cultural activities for all ages. However, regardless of where you are in your life, one thing remains the same - you will need to purchase Clovis car insurance.

Basic Clovis Car Insurance

Clovis car insurance is mandatory for all drivers living in Clovis, CA. You will need to purchase at least a basic coverage plan of $15,000 per person up to $30,000 per accident (for bodily injury liability) and $5,000 (for property damage protection) in order to be legally allowed on the roads. This basic coverage plan is often referred to as 15/30/5 and will pay for the damages incurred to the other driver is you are at fault for the accident.

Because California operates under a tort system, the Clovis driver who is at fault for the accident will need to pay for the damages. What this means is that if another driver hits you, then his California auto coverage provider will pay for your expenses. However, if you hit another driver, then you will need to use your liability car insurance to pay for this medical and vehicle repairs. If you only have basic coverage, then any damage to your vehicle and to your passengers will be an out of pocket expense.

For many drivers, basic Clovis auto insurance is enough. If you drive an older car that is on its last leg, then you might be happy with just the basic coverage and lower limits on your plan. If you only drive once and a while and are not concerned about an accident, then you may also be happy with just a basic coverage. If you do not have a young family to support or have a lot of spare money in the bank, basic coverage can also be okay.

Comprehensive Auto Insurance Quotes

Comprehensive vehicle coverage is something that most drivers in Clovis will look into. There are several different optional extras that are included on a comprehensive policy. This includes personal injury protection for medical-related expenses, collision coverage, for car related expenses, and comprehensive coverage, for car related expenses that occur due to an act of God.

There are a number of reasons to invest in more than just the basic coverage of Clovis car insurance. If you are ever in an accident, you could be looking at massive debt in vehicle and medical expenses if you only get the cheapest car insurance. If you own a nice, expensive or new vehicle, you could be looking at several thousands of dollars in repairs. Most people, young or old, do not have this kind of money lying around. And, if you do, you probably can think of better ways to spend it than repairing your car.

If you have a young family, comprehensive coverage in Clovis, CA is also a really good idea. If you are ever in a serious accident and are unable to work, you will need to rely on some sort of income protection to pay for your loss of income as well as your medical expenses. After all, just because you have been injured in an accident does not mean that the mortgage bills, the electricity bills and the car repayments stop. With comprehensive auto insurance in Clovis, you can continue to live your life as normally as possible after any car accident.

Another reason to consider comprehensive Clovis vehicle insurance is if you spend a lot of time driving and on the road. If you are commuting to and from work every day or are constantly running errands and chauffeuring the kids around, then you will want to ensure that you are protected on the road. The more time you spend driving, the higher the chance of being in an accident. Even if you are a safe driver, you are still putting yourself risk simply by being on the road. After all, you cannot control the other drivers or the weather and traffic conditions, all of which can make the highways a dangerous place.

California Car Insurance Quotes

Regardless of whether you decide to stick with a basic coverage plan or opt for a more comprehensive policy, you will want to know how your vehicle insurance quotes stack up. When looking into any Clovis automobile insurance plan, it is important to shop around and compare car insurance prices. You could save up to 35 percent on your annual Clovis car insurance with a five minute search and comparison. We could all stand to save on our vehicle coverage - in today's economic situation, every little bit counts.

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