We know the hassle and struggle of trying to find affordable auto insurance. Don’t choose between great coverage or a great price. Stop deciding on a low down payment or a low monthly payment. At SaveDirect Insurance we take the time to ensure our clients understand all coverages and options available. We like to get to know or clients on a personal level so we can recommend what coverage is best for each specific persons needs. Do you have tickets? Accidents? Dui’s? Are you a young or new driver? You are more than your driving record! Call the insurance experts at SaveDirect Insurance and start saving money today!
Liability coverage helps pay for injuries or damage to others when you are responsible. If you own and drive a vehicle, you must follow the financial responsibility laws in the state Vehicle Code. The most common way to do this is to buy auto liability coverage. Liability coverage does not pay for injuries to you or the people in your family. You can buy medical payments coverage for you and your family (see Other Kinds of Insurance, below).
Medical Payments Coverage
This covers the cost of medical expenses if you or your passengers are injured. This coverage can pay for immediate medical care, no matter who is at fault.
Uninsured/Underinsured Motorist Coverage
This covers you if you are in an accident with a driver who does not have any liability insurance, or is underinsured. The insurance company must offer you this coverage. If you choose not to buy it, you must sign a form, called a waiver. The form says you were offered the coverage and turned it down.
Physical Damage Coverage
Collision covers damage to your car caused by physical contact with another vehicle or an object, such as a deer, tree, rock, guardrail, building, or person.
Comprehensive covers damage to your car caused by something other than a collision. For example, comprehensive can cover damage from fire, theft, vandalism, windstorm, flood, falling objects, etc. It does not cover mechanical breakdown, normal wear and tear, or maintenance.
Additional Kinds of Coverage (Endorsements and Riders)
You can buy insurance for extra equipment, such as stereos, CD players, custom wheels, navigation systems, and cell phones that are permanently installed. You can buy insurance for towing and road service. You can buy rental reimbursement insurance for renting a car when your car is being repaired after a covered accident.
Save Direct Insurance Agency
1800 Tully Rd Ste. G
Modesto, CA 95350