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Getting More Car Insurance For Less

Searching for affordable auto insurance but not sure where to turn?  Look no further than Schaedler Insurance.  Our experienced staff will consult with you to build a custom auto insurance package that protects your family without breaking the bank.  At Schaedler Insurance, we understand life circumstances change over time and so should your insurance.  That’s why our service includes free lifetime monitoring of your insurance program, including regularly scheduled reviews.  After all, going without coverage’s you need, can be as costly as paying for those you don’t.  Getting auto insurance in Sacramento has never been easier.

Vital Auto Insurance Coverages

Bodily Injury and Property Damage: Pays for bodily injuries sustained to other individuals or damage to their property if you are liable in an accident.  This coverage generally applies if the car is driven by you, a qualified family member or a driver that borrows your car with permission (assuming they are not a household driver excluded from the policy).  BIPD coverage typically applies automatically to a car you temporarily rent or borrow and also includes costs to defend against claims or lawsuits as part of your coverage.  Given the high propensity of lawsuits in California, it is a very important to have adequate BIPD coverage limits.  If you need help selecting appropriate limits, contact a personal insurance expert at Schaedler Insurance and we will gladly assist you.

Uninsured/Underinsured Motorist Coverage: As one of the most important coverages on your California auto insurance policy, UM coverage provides for bodily injuries sustained by you or your passengers from a hit-and-run driver, or a driver that does not have adequate insurance limits to cover your injuries.  It’s highly recommended to carry UM limits that match the limits of your bodily injury coverage.

Medical Expense Coverage: Provides coverage for necessary medical treatment up to your policy limits for you, passengers, or qualified family members as a result of an automobile accident.

Convienant Automobile Insurance Coverage’s

Comprehensive Coverage: Also known as other than collision, comprehensive coverage pays for damage to your auto caused by events other than a collision, which includes losses such as fire, theft, vandalism, animals and flood to name a few.  Comprehensive coverage is subject to the deductible you choose which can range from as low as $50 to over $1,000.  If you need help choosing deductibles on your California auto insurance policy, please contact Schaedler Insurance and we would be happy to advise you on available options.

Collision Coverage: Covers damage sustained to your vehicle caused by colliding with another object or upset of your vehicle subject to the deductible you choose.

Towing and Road Side Service: Provides a specified amount to cover reasonable expenses incurred for towing, or common road side problems such as running out of gas or locking your keys in the car.  Towing is generally an optional coverage, be sure to check your policy for details.

Rental Car Coverage: This optional coverage provides an amount specified in your policy for rental car expenses you may incur as a result of a covered claim while your insured vehicle is inoperable.  Coverage options and limits vary greatly, check your policy for details.