Last updated 2 days 9 hours ago
Auto insurance doesn’t just shelter you financially in the wake of a car accident. Having car insurance is also the law. If you haven’t bought auto insurance before, you probably have some questions about how it works. This video clears up the confusion.
When you apply for car insurance, the company considers a number of factors when determining what price to offer you, including your credit score and how much you drive your car. You will need to decide what kind of coverage is appropriate for your needs and your budget.
At Damberger’s Insurance Agency, serving Mountain View and Sunnyvale, our expert insurance agents can help you find the right auto policy for your needs. To learn more and get an insurance quote, please call us at (866) 982-9181.
Last updated 9 days ago
Did you know that a few inches of water can cause thousands of dollars in damage to your property? In fact, according to the National Flood Insurance Program, between 2008 and 2012, the average cost of a residential flood insurance claim was over $38,000. Don’t let it happen to you. Consider these reasons why flood insurance is an essential purchase:
Your Homeowner’s Insurance Policy Doesn’t Protect You
Too many flood victims get a nasty surprise when they file a claim for damage and learn that their homeowner’s insurance policy doesn’t cover floods. When you buy homeowner’s insurance, you are not buying flood insurance. This means that if a flood occurs, you are responsible for paying for the entire repair bill, plus the cost of replacing any damaged contents. A flood insurance policy can save you from that devastating financial blow.
Flooding Can Happen to You
Wherever you live, a flood can occur. While it’s true that some locations are more prone to flooding issues than others, your house is always at risk of being damaged by flooding. One heavy rainstorm is all it takes to inundate properties with water. Also keep in mind that flooding doesn’t have to be caused by rain. Damaged levees and sewer systems can trigger flooding that does significant damage to surrounding areas.
It’s a Sound Investment
Flood insurance costs vary greatly, depending on the risk where you live. However, any way you look at it, flood insurance is money well spent. Consider the amount of money you spend on your home and the things in it. Now consider your ability to replace it all if it were destroyed in an instant. Like your homeowner’s insurance policy, flood insurance is an investment in the future financial security of your family.
Damberger’s Insurance Agency can take the confusion out of flood insurance for you. Let our expert insurance agents explain your coverage options and help you find the best policy for you at the right price. Find out more about all of our insurance services by calling our Mountain View office today at (866) 982-9181.
Last updated 16 days ago
You know that auto insurance helps protect you financially when you’re in an accident, but what about when your car breaks down? Traditional auto insurance policies don’t cover the cost of car repairs, which can be every bit as expensive as accident repairs. Investing in a mechanical breakdown policy means you will never find yourself in the position of needing a pricey car repair that you can’t afford. Should you buy a mechanical breakdown auto insurance policy? Here is what you need to know:
How Mechanical Breakdown Policies Work
Mechanical breakdown policies work in much the same way as traditional auto insurance policies. There are monthly premiums, deductibles, and co-pays. The cost of your plan depends on the kind of car you have and type of plan you purchase. Plans with lower deductibles have higher premiums, just like other kinds of insurance. The co-pay for repair services depends on the structure of your plan. In some cases, co-pays are flat fees, or your co-pay may be a percentage of the overall cost of repair. Most plans require that you have repairs completed at approved facilities. Note that not all plans cover all types of repairs, so be sure to read yours carefully in order to understand which services are eligible and which are not.
Mechanical Breakdown Policies versus Extended Warranties
Mechanical breakdown policies have many advantages over extended warranties. They usually offer better protection for less money. Extended warranties don’t usually have premium payments and instead are purchased for one upfront fee. However, there are still co-pays, and these tend to be more expensive. Likewise, extended warranties are often not as reputable as mechanical breakdown policies.
Forget third-party warranties and costly extended warranties from the dealership. Instead, add a mechanical breakdown policy to your auto insurance with Damberger’s Insurance Agency. As a local Mercury Insurance agent, we can help you tap into the best deals on auto insurance, homeowner’s insurance, and more. Make an appointment at our Mountain View insurance agency by calling (866) 982-9181.
Last updated 26 days ago
Auto insurance and homeowners insurance can provide some protection in the event of an unexpected lawsuit. Yet even with these insurance policies, you may want to add umbrella insurance for ultimate financial security.
This video explains why you might want to talk to your local insurance agent about umbrella insurance. Legal defense costs can quickly skyrocket. While traditional homeowners insurance and auto insurance policies can offer some financial assistance, they may not be enough to cover your total legal fees. An umbrella policy can give you additional financial protection so that you can pay for all legal expenses without suffering from extreme financial hardship.
Do you have more questions about umbrella insurance? If so, call Damberger’s Insurance Agency in Mountain View at (650) 969-8445 to set up an appointment with one of our local Mercury Insurance agents.
Last updated 1 month ago
Having auto insurance is the law in the state of California. This mandate provides financial protection for drivers in several ways. For one, having liability insurance can help drivers avoid considerable expenses if they are involved in an automobile collision. If a driver is at fault for the accident, he assumes responsibility for all costs that may arise if the other driver requires time off work, car repairs, or medical attention. Liability insurance can alleviate the burden of having to pay potentially thousands of dollars to the other driver. Without it, the driver at fault has to pay all costs on his own. Because auto insurance is mandatory in California, individuals caught without it may also have their driver’s license suspended and face numerous fines for their indiscretions.
Are you driving without auto insurance? If so, now is the time to call Damberger’s Insurance Agency at (650) 969-8445 to speak with a local insurance agent. We provide competitive auto insurance rates for residents in the greater Mountain View region.