Essential Car Insurance | Rear End Damage

Car Insurance Scenario

A squirrel crosses the road in front of you — and naturally, you stop. Unfortunately, a lead-footed, tail-gating motorist slams into you from behind. While the squirrel is unscathed, the rear end of your vehicle is heavily damaged. What should you do about rear end damage?

How Much Does it Cost to Fix Rear End Damage

It’s almost impossible to put a price range on this kind of damage. Rear bumper replacement costs can range from a few hundred dollars for a bumper up to $10,000 or more if the frame of your car is bent.

Your Insurance Coverage

Since you are not at fault in this scenario, the other driver’s insurance should cover the damage to your vehicle as well as any injury you sustain, assuming he is insured.

Damage to Your Car

In the scenario given, damage to your vehicle would be taken care of, first, by the property damage portion of the other party’s liability policy. The requirement for property damage in California at the time of posting this blog is only $5,000. If your fellow motorist is only carrying the required state minimums, you may end up responsible for the costs to repair your car.

Let’s say the other driver is completely uninsured, or is carrying low coverage levels, your own collision coverage would likely cover the cost to repair or replace your vehicle, minus your deductible. If you did not purchase collision coverage for your policy, your only other option would be under your uninsured/underinsured motorist property damage coverage. This coverage kicks in to repair or replace your vehicle if the person who hit you is uninsured or not carrying enough coverage to fix your car. The maximum limit for uninsured/underinsured motorist property damage is $3,500.

Your Injuries

Whiplash is one of the most common injuries in a rear-end accident. There are roughly three million new whiplash cases every year in the United States. In many cases, mild to moderate whiplash claims can result in anywhere from $2,500 to $10,000 in medical costs. If the driver who hit you doesn’t have proper coverage, you may be on the hook for these medical costs.

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Should You File a Claim?

In the given scenarios, it’s the other person’s insurance that should cover both your vehicle and your own injuries. If the other driver is uninsured you may have to make a claim under your own uninsured policy coverage. This could also be true if their insurance is simply insufficient. In all of these scenarios, it is recommended that you report the claim to your insurance carrier to better protect yourself.

It’s important to fully understand what the various aspect of your policy mean. Your experienced, local independent insurance agent can walk you through your policy. We’re here to ensure that your policy is right for you and your needs.

 

First in the series: Essential Car Insurance | Bumper Damage
Previously in this series: Essential Car Insurance | Suspension Damage

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I reached out to Sarah at Stromsoe Insurance and she was awesome. Sarah broke down my current coverage and explained how everything worked. I was with another insurance company before and they kept raising my rates, so I decided to switch my insurance over to Stromsoe Insurance Agency. I had a great experience working with Sarah and the Stromsoe team and they were able to save me a good amount of money on my car insurance.”
Paul Senn – Temecula, CA – Client Since 2020

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

How Gap Insurance Can Benefit YOU

What is Gap Insurance?

If your vehicle is totaled or stolen, and you owe more than the car’s depreciated value, gap insurance will help you pay off your debt. Only the initial loan or leaseholder on a new vehicle is eligible for this form of coverage. Gap insurance helps pay the gap between the depreciated value of your car and what you still owe on the car.

How Does It Work?

Say you bought a brand-new car for $25,000. You still owe $20,000 on your auto loan when the car is totaled in a covered collision. Your collision coverage would pay your lender up to the totaled car’s depreciated value — say it’s worth $17,000. If you don’t have gap insurance, you would have to pay $3,000 out of your own pocket to settle your auto loan on the totaled car. If you have gap insurance, your insurer would help pay the $3,000.

Keep in mind that, in the above scenario, the car insurance reimbursement goes completely to your auto lender to pay off a car that’s no longer driveable. If you think you would need help buying a new car after yours was totaled, you might want to consider purchasing new car replacement coverage.

Is Gap Insurance Worth it?

If you’re thinking of buying, keep in mind that you may only be able to get it if you’re leasing or financing a new vehicle. Then consider how much you owe on your vehicle loan compared to its worth. (A site like Kelley Blue Book will give you an estimate of how much your car is worth.) Do you owe more on your vehicle than it is worth? Could you afford to pay the difference out of pocket if your car is totaled?

You may want to consider gap insurance in the following situations:

  • Made less than a 20 percent down payment
  • Financed for 60 months or longer
  • Leased the vehicle (carrying gap insurance is generally required for a lease)
  • Purchased a vehicle that depreciates faster than the average
  • Rolled over negative equity from an old car loan into the new loan

Do You Need to Buy at the Dealership?

Gap insurance isn’t just available at auto dealerships; many insurers have it as part of a car insurance package. According to the Insurance Information Institute, purchasing gap insurance from an insurance carrier is often less expensive than purchasing it from a car dealership. For more information on how gap insurance can protect your financial future, talk to your local, experienced independent insurance agent today.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Arranging for new car insurance was easy as faxing the sales receipt directly from the dealership to the office. Thanks for the personal service and prompt attention.”
Bob and Sarah Sandor – Fallbrook, CA – Client Since 2000

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Essential Car Insurance | Suspension Damage

Car Insurance Scenario

You’re driving to work when your car drops into a huge pothole, damaging your car’s suspension. What should you do about suspension damage?

How Much Does it Cost to Fix Suspension Damage?

Costs can vary dramatically depending on the damage and your vehicle. The suspension system is made up of a variety of parts and repair costs can quickly add up. A full suspension replacement may run up to $5,000.

  • Strut / Shock Absorber replacement – between $488 and $597
  • Wheel Alignment – between $115 and $302
  • Ball Joint Replacement – between $225 and $285

Your Insurance Coverage

Damage from “colliding” with a pothole, would be paid by your collision coverage on your auto insurance policy.

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Should You File a Claim?

Collision comes with a deductible. In all cases, contact your local independent insurance agent to determine if the damage is  enough to make a claim worthwhile.

Filing a collision claim will normally result in a premium increase. Its often best to save your insurance for major repairs and pay smaller ones out of pocket. However, if your entire suspension needs to be replaced or you can’t afford the repairs, using your insurance may be a necessity. If you have questions, you can always talk to your experienced, local independent insurance agent to see what is right for your situation.

TIP: If you incur damage to your suspension, your vehicle may not be safe to drive. Consider having your vehicle towed instead. Also, take photos and, if needed, a video of the scene while you’re there.

 

First in the series: Essential Car Insurance | Bumper Damage
Previously in this series: Essential Car Insurance | Cracked Windshield
Next in this series: Essential Car Insurance | Rear End Damage

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“Great experience overall. I was looking for new car insurance that would cover me when I drive for UBER. My agent Sarah Long was very helpful and found me a great policy with full coverage and ride share coverage. The new policy is cheaper than what I was paying before and the customer service is great!”
Joel Wigand – Murrieta, CA – Client Since 2020

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Essential Car Insurance | Cracked Windshield

Car Insurance Scenario

You’re driving along the highway when you get stuck behind a big rig. You get closer, looking to pass, but the big rig kicks a rock at your car, cracking the windshield. What should you do about a cracked windshield?

How Much Does it Cost to Fix a Cracked Windshield?

In most cases, assuming you have comprehensive coverage on your auto policy, your claim payment will be subject to your deductible. However, if you do not carry comprehensive coverage, you will be paying out-of-pocket for your windshield.

A small crack can be repaired, even without insurance. However, windshield replacement, especially if you are cruising in a high-end car, can be pricey.

According to Safelite, repairing one small crack on a hypothetical 2016 Toyota Camry will set you back roughly $110. On the other hand, entire windshield replacement can cost $410. Repairing a windshield on a high-end car can easily push the price into the thousands.

Your Insurance Coverage

Windshield replacement or repair would be covered by comprehensive auto insurance. It’s important to get a crack repaired, before it spreads across the windshield.

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Should You File a Claim?

There often isn’t a downside to making a claim for a windshield replacement. You’ll get a new windshield, many times for the cost of your deductible and in numerous cases your premium won’t be affected come renewal time. If you have questions, you can always talk to your experienced, local independent insurance agent to see what is right for your situation.

 

First in the series: Essential Car Insurance | Bumper Damage
Previously in this series: Essential Car Insurance | Deep Paint Scratches
Next in this series: Essential Car Insurance | Suspension Damage

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“10/10 I was very pleased with my experience. Bobby was amazingly helpful and so nice. I believe he found me a great deal for my car insurance. It was so quick and easy! I really appreciate the kindness i felt over the phone! Thank you for making what could have been a stressful situation so simple and not stressful at all!”
Megan Switzer – Murrieta, CA – Client Since 2020

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Essential Car Insurance | Deep Paint Scratches

Car Insurance Scenario

You have to pick something up from the grocery store for dinner on your way home from work. The parking lot is absolutely packed. You feel like the luckiest person in the world when you find a spot close to the doors! You hop out and run in to get your things. When you come back out you see that someone has keyed the entire side of your car. What can and should you do about deep paint scratches?

How Much Does it Cost to Fix Extensive Paint Scratches?

Like most repairs, the cost to repaint a car can vary depending on the damage and the type of vehicle.

However, let’s assume that one entire side of the vehicle is severely damaged. On the cheap side, a single-stage enamel paint that basically just refreshes the look of the car can run between $300 and $1,000 depending on the vehicle. In this scenario, you’re probably going to need some repair work and a more detailed paint job due to the massive scratches which will most likely push the price range up to $1,000 to $3,500.

If you’re looking for a top of the line paint job or are driving a luxury vehicle, the cost of repainting a car can easily skyrocket up to $7,000.

Your Insurance Coverage

Collision coverage helps pay to repair your car if it’s damaged in a collision with another vehicle or object. Generally, collision coverage comes into play because a driver gets into a car accident. If you cannot find the other driver, you may be able to file a claim under your policy’s collision coverage.

Comprehensive coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than collision. There are many scenarios that should be covered under comprehensive. For example: fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal.

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Should You File a Claim?

In many circumstances, when you’re not at fault, a comprehensive claim may not raise your premium. It’s best to talk to your experienced, local independent insurance agent to see what is right for your situation.

 

Previously in this series: Essential Car Insurance | Bumper Damage
Next in this series: Essential Car Insurance | Cracked Windshield

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I have been dealing with Erica Gates for almost 8 years now. She has helped me with my house insurance, car insurance adding my wedding ring to my home owners insurance and now with my earthquake insurance. Erica does what she says she’s going to do, whether it’s check on something for you or return your phone calls. She has been “OUTSTANDING” since day one. You just don’t find people like Erica everyday. Her customer service has been above and beyond. A real keeper. Thanks Erica for all that you do.”
Norma Gold – Winchester, CA 92596 – Client Since 2010

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Essential Car Insurance | Bumper Damage

Car Insurance Scenario

You’re slowly backing into a parking space at the gym but don’t realize that there is concrete surrounding the light post and this causes you to misjudge the space. Next thing you know, you hear a crunch. You get out to check and your rear bumper is scratched and dented. What should you do about the bumper damage?

How Much Does it Cost to Fix Bumper Damage?

If the damage is minimal, you may be able to repair the bumper yourself with a few everyday tools, but this likely isn’t the case. Bumper repair costs vary depending on the severity of the damage and the type of car. Bumpers these days have sensors that help collision avoidance systems and this can mean costly repairs.  Pricing to replace a bumper ranges from a few hundred dollars for an average car to thousands of dollars on a high-end car.

Your Insurance Coverage

Your collision coverage will take care of the bumper repair. Collision pays for damage to your own car that’s caused in a collision — not only accidents with other cars but also objects, such as a telephone pole, or fence.

Depending on your deductible, you may or may not want to submit a claim. A common deductible amount is $500. That means if you had $1,500 worth of damage to your car, your insurance company would cut a check for $1,000. You would need to pay the $500 balance. What if you also damaged the telephone pole? Your property damage liability coverage, which is required by law, would go toward the repair to the telephone pole. Normally, there is no deductible for property damage liability coverage.

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Should You File a Claim?

There is no right or wrong answer when it comes to this question; it depends on your personal circumstances. However, if you decide to make a claim, your premium may increase at renewal time. It is always best to talk to your experienced, local independent insurance agent to see what is right for your situation.

 

Next in this series: Essential Car Insurance | Deep Paint Scratches

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“We’ve had our auto insurance with Stromsoe Insurance Agency for several years now. You guys are doing a great job. Unfortunately, we were paying a higher insurance quote and not being taken care of properly, until we found you.”
Jesus and Inelda Luna – Fallbrook, CA – Client Since 2000

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

VIP Protection for Your Classic Car

Your everyday car begins going down in value from the time you drive it off the lot. When you’re talking about a collector car, you’ve put much more into the car than your average Joe, making the car worth more than your average insurance policy would pay out should something happen. For any antique and classic car collector, it’s important to calculate an informed estimate of a vehicle’s current value if you’re planning to buy, sell or insure an antique, vintage, collector or classic car.

Although no one price estimator or appraisal tool can accurately tell you how much your vehicle is worth, they can provide a starting point in determining its market value. Using a combination of the price guides and valuation tools, you can estimate your vehicle’s value—however, only a licensed appraiser can offer a truly precise and individualized valuation. Classic car value and antique car values are determined by a multitude of factors both in and out of the owner’s control. A collector car’s value is appraised according to its rarity, condition, restoration quality, and market demand.

By repairing a prominent or in-demand vehicle, taking care of it, seldom using it, and showing it off at automotive shows, value can be gained and improved. However, just like any car, the more often it is driven, the more likely it is to get into an accident. This is where insurance comes in for classic vehicles.

Traditional vs Classic Car Insurance

Traditional Insurance

Auto insurance traditionally protects you from the considerable risk that can be caused when driving, should anything happen to you, your cars, or others. From auto liability insurance to comprehensive and collision coverage, there are various forms of coverage that shield you in different ways.

The level of auto insurance that you have is up to you, but in the event of an incident, most states at least require a minimum limit of liability insurance to keep you safe.

Payouts for repairs or replacement after an incident are typically based on the depreciated, or current market value, of the vehicle.  In other words, if you total a five-year-old car, you’re not going to get the same price you paid when it was new. Instead, the insurer calculates the depreciated value so you can theoretically buy the same make, model, and year like nothing happened.

For older cars, there comes a point that the depreciated value is too low to be worth paying traditional insurance premiums. At this point, you’d be paying more money a month for a very small payout.

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Classic Car Insurance

Similar to typical auto insurance, collector car insurance is primarily reserved for older cars that have maintained value or have been repaired over time to retain value. Collectible cars tend to look and work as they did from the start, unlike traditional used cars. Some people buy such vehicles for the nostalgia of older eras of automotive design. Others simply buy and restore old vehicles for the investment opportunity or the challenge.

In any case, collectors auto insurance operates like standard auto insurance: in the event of an injury, various forms of coverage shield you, your car, and others.

Collector car insurance comes in two basic forms: classic car and antique car insurance. The main difference between the two is the age of the vehicle. Classic cars tend to be at least twenty years old and of sufficient historical interest. Antique cars are older than classic cars. They represent the bulk of collector vehicles since all vehicles reach the typical age of the antique car classification at some point.

Want more to read:

Is Classic Car Insurance Necessary?

Legally, you are required to carry a certain level of auto liability insurance. If you don’t want or need additional coverage because you never drive the classic car and never take it out of the garage, you may find the monthly premiums to be unnecessary.

The more you use or show an antique vehicle, however, the more you should consider antique car insurance. Things can happen to any vehicle on the road, even if you aren’t driving it, regardless of its age. Collision and comprehensive coverage, for example, can cover your vehicle for accidents, bad weather, and unexpected incidents.

An additional benefit for you of classic car insurance is the premiums are substantially less than standard auto insurance.

Some specialty providers even offer other options like restoration coverage and travel insurance as well.

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one client that trusts Stromsoe Insurance Agency:

“I called Mike Stromsoe and he priced out my insurance for my company and saved me $1,500.00 so far. For all my needs it has only taken one phone call. SIA has taken care over my car insurance, renters insurance and my business liability. It’s nice to be all in once place.”
Mike Hughes – Surprise, AZ – Client Since 2007

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Your Teen Driver and Insurance

Why is Your Teen Driver More Expensive or Hard to Insure

There are many factors that go into the cost of insuring a teen driver. Arthur Goodwin, senior research associate at the Highway Safety Research Center at the University of North Carolina, says that young drivers cost more to insure largely because they are inexperienced and have higher accident rates than more seasoned drivers.

Stand-Alone Policies

It can be expensive to purchase a stand-alone policy for your young driver. Teenagers have a higher risk of collision because of a lack of driving experience. This is a huge factor in their premium, even though they often drive fewer miles than adults. Here’s why adding a teen driver to your existing policy is almost always far less expensive:

  • Affordability. Your young driver will reap the benefits that you gained as a long-term driver with a clean driving record and a credit history that has been established.
  • Control. Since you are already monitoring the policy, it’s easy to add and update coverage to ensure that your teen driver and their vehicle have the proper protection.
  • Flexibility. If you have multiple vehicles in your household, your teen will be covered by insurance when driving your car and vice/versa.
  • Convenience. You’ll only have one policy to monitor.
  • Protecting Your Assets. Most importantly, a vehicle operated by your teen driver but registered to you, needs to be insured on a policy in your name.

What is the best way for a young driver to lower their premium?

Young drivers have unproven records and are far more likely to drive distracted. Teens pose a financial risk for insurance companies, but there are methods to lower the premiums. To keep insurance premiums down, maintaining a clean driving record is crucial for young drivers. A single incident or traffic ticket can cause insurance for a teen driver to spike, causing an already costly premium to soar. Other methods for keeping premiums low is to use discounts for good students, a company’s driving app, safety features or full payment. Not all insurance companies offer the same discounts, so it’s important to talk to your agent about what will work best for you and your family.

How to Lower Your Auto Insurance Premium

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Separate Policies

If you decide your teenager should have their own policy, here are some things to keep in mind:

  • Ensure the right amount of liability. Choose a liability limit that will safeguard your assets. You are held liable if your teen driver caused damages or injuries to someone else.
  • Select affordable deductibles. You should make certain your teenager can pay the deductible amount out of pocket in case of a claim. This will come in handy if they are financially responsible for their own policy.
  • Physical damage coverage may not be necessary. If the vehicle on your teen’s policy is paid off, comprehensive and collision coverage may not be necessary. It may not be worth paying for one or both on an older vehicle worth less than a few thousand dollars.
  • Protecting Your Assets. Most importantly, a vehicle operated by your teen driver but registered to you, needs to be insured on a policy in your name.

How Much Car Insurance Is Enough?

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from one mother of teens that trusts Stromsoe Insurance Agency:
“I’ve had several other insurance coverage in the past, but I was never treated with such friendly personal service as with Stromsoe Insurance Agency. Everyone in the office is ready to take time with me and my family, always finding the best coverage for our needs, even with our teenagers.”
Rick and Diane Royer – Fallbrook, CA – Client Since 1988

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

How to Lower Your Auto Insurance Premium

Your car takes good care of you. It’s more than getting from point A to point B, it keeps you warm on your way to work on a cold morning, gives you a place to feel safe after speed walking through a dark parking lot, and lets you dry off after quickly tossing your groceries in the back on a rainy day.

You do your best to take care of your car by giving it the expensive gas, keeping (mostly) up-to-date on your oil changes, and best of all, getting great car insurance to protect it! Taking care of your car can be expensive, but insuring it doesn’t have to be.

If you are a client of Stromsoe Insurance Agency, you’ve already made one huge step towards saving on your car insurance while receiving top-notch protection ! The beauty of choosing an independent insurance agency, is that we do the shopping for you, we are not beholden to any one insurance company, therefore we work for YOU!

Here are 5 other ways you can lower or control your car insurance premium:

  • Buy a car with a high safety rating – multiple air bags, ABS and anti-theft systems can bring down quotes from insurance companies
  • Increase your deductible for comprehensive and collision coverage
  • Drive safe to lower or eliminate your number of accidents and tickets
  • Stick to one insurance company, bundling your policies can often lead to discounts
  • Keep in touch with your agent annually or as often as possibly to update your coverage, your mileage and any other rating factors
  • Understand your policy coverage and rating factors; if you have any questions about your coverage or ways you can lower your risk, ask your agent!

 

Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877.994.6787
Email: insure@siaonline.com
Text: 951-482-8144
Web: www.siaonline.com

PS Here’s a few words from people that trust Stromsoe Insurance Agency:
“SIA has helped my husband and I find the lowest rates for our car, home and business insurance. We are very happy with the service that SIA provides us. We would like to thank Cherie Wachel, but specially Shauna Smith who is always very helpful and very nice, she always has the perfect answer for all of our questions. Thanks.”          Luz Ma Silver – Silver Cleaning – Client since 2005

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Personal Auto Premium Relief Update April 18,2020

Your team at Stromsoe Insurance is thinking about you and your family. We hope this email finds you safe, well and healthy. We’d also like to share some great news about auto insurance credits coming your way.

All of us recognize the uncertainty and financial challenges you may be facing as the nation comes together to slow the spread of coronavirus. That’s why we’re thankful our insurance company partners are taking unprecedented action and offering auto premium relief to our clients. We’re so grateful for their empathy and partnership during this time.

And, our insurance companies are making it easy! You do not need to take any action – refunds will occur automatically. This week, the California Insurance Commissioner provided direction for insurance companies  to begin implementation of their relief plans.

Here are links that describe each company’s relief program in detail:

Please know we’re here to answer any and all of your questions, COVID-19-related or not.

Our entire team is here to help – even virtually from our home-based offices! You can still reach us any of these ways:

Phone at (951) 600-5751
Email at insure@siaonline.com
Website www.siaonline.com
Text: 951-482-8144

Be safe, and be well!

Mike Stromsoe and the Stromsoe Insurance team