{"id":5886,"date":"2021-11-12T08:01:01","date_gmt":"2021-11-12T16:01:01","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=5886"},"modified":"2022-12-23T03:18:16","modified_gmt":"2022-12-23T03:18:16","slug":"car-insurance-that-matches-your-modesto-lifestyle","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/car-insurance-that-matches-your-modesto-lifestyle\/","title":{"rendered":"Car Insurance That Matches Your Modesto Lifestyle"},"content":{"rendered":"\n<p>If you live in Modesto,&nbsp;CA., or anywhere else in the San Jose-San Francisco-Oakland Combined Statistical Area&nbsp;(CSA), you know about traffic congestion. If you\u2019re a Modesto motorist, you might hit those crowded streets and highways frequently. That\u2019s just part of your lifestyle. And it\u2019s why, at&nbsp;Cost U Less Insurance, we&nbsp;<em>might<\/em>&nbsp;recommend that you consider full coverage&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/\" target=\"_blank\" rel=\"noreferrer noopener\">auto insurance<\/a>.&nbsp;<\/p>\n\n\n\n<p>But first, we need to open up the topic a bit and explain your options in coverage as a Modesto driver. Then we\u2019ll let you decide and help you buy the coverage that\u2019s right for your family, your wallet, and the way you live in Modesto.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Your Options in Auto Insurance&nbsp;<\/h2>\n\n\n\n<p>Perhaps the easiest way to distinguish your options as a Modesto driver of passenger vehicles is to focus on&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/blog\/car-insurance-full-coverage-vs-liability-only\/\" target=\"_blank\" rel=\"noreferrer noopener\">liability versus full coverage<\/a>.&nbsp;<\/p>\n\n\n\n<p>The State of California says that all drivers must carry at least minimum auto insurance coverage. The state further defines minimum coverage as liability insurance, which is coverage that covers parties other than the policyholder. In other words, it won\u2019t pay for damage to your vehicle in the event of an accident for which you\u2019re held responsible, but it will cover others.&nbsp;<\/p>\n\n\n\n<p>Minimum liability coverage in California&nbsp;<a href=\"https:\/\/www.dmv.ca.gov\/portal\/vehicle-registration\/insurance-requirements\/\" target=\"_blank\" rel=\"noreferrer noopener\">includes<\/a>:&nbsp;<\/p>\n\n\n\n<ul>\n<li>$15,000 maximum for the injury or death of one person&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>$30,000 maximum for the injury or death of more than one person&nbsp;<\/li>\n\n\n\n<li>$5,000 maximum for property damage&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This is known by the insurance industry as 15\/30\/5 coverage.&nbsp;<\/p>\n\n\n\n<p>As mentioned, this coverage offers a degree of financial support for other parties in case of a car accident for which you were at fault. However, if you sustain thousands of dollars in damage to your vehicle during this accident or other incident, your liability coverage insurance won\u2019t pay a penny. You might not have dependable transportation to work, school, or other commitments.&nbsp;<\/p>\n\n\n\n<p>This is why it\u2019s probably best to choose full insurance options that include&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/understanding-auto-insurance-coverage\/\" target=\"_blank\" rel=\"noreferrer noopener\">collision and comprehensive<\/a>&nbsp;coverage. Here\u2019s a brief explanation of both benefits.&nbsp;<\/p>\n\n\n\n<p><strong>Collision<\/strong>&nbsp;&#8212; This is pretty much just what it sounds like. It pays for the damage to your vehicle caused by collisions with other vehicles or with such inanimate objects as buildings or trees. If such damage occurs, your insurance company will pay up to your coverage limits.&nbsp;<\/p>\n\n\n\n<p><strong>Comprehensive<\/strong>&nbsp;&#8212; This benefit covers just about every other way your car could be lost, damaged, or destroyed other than by collision. This might include theft, vandalism, fire or flood. You\u2019ll also receive a settlement through your comprehensive benefit if your car hits an animal,&nbsp;such as a deer.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2021\/11\/car-insurance-for-your-modesto-lifestyle.jpg\" alt=\"african american woman driving car with hands on the steering wheel smiling\" class=\"wp-image-5887\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\">Get Full Coverage Car Insurance\u2026Maybe&nbsp;<\/h2>\n\n\n\n<p>In our brief review of the two basic types of coverage, you can probably see that liability coverage&#8211;the minimum requirements in California&#8211;should be the most affordable. And it is. This cheap car insurance offers just barebones benefits, but that\u2019s the object. When you pay less, you get less. But you save money. Right?&nbsp;<\/p>\n\n\n\n<p>However, the traffic congestion in Modesto and throughout the San Jose-San Francisco-Oakland&nbsp;CSA&nbsp;can be a huge hit (no pun intended) to your bottom line. That\u2019s because the more traffic there is on the road, the higher the risk of a car accident. Even low-speed fender benders can dent the&nbsp;wallet&nbsp;far worse than your car.&nbsp;<\/p>\n\n\n\n<p>However, that doesn\u2019t mean that full coverage insurance is the right decision for every Modesto driver. Read on.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Minimum Coverage Makes its Case&nbsp;<\/h2>\n\n\n\n<p>There\u2019s a reason we said that full coverage is&nbsp;<em>maybe<\/em>&nbsp;your best car insurance option. That\u2019s because while the more comprehensive plan is often worth the extra cost, there are other times when it might not be of value to you. We can think of at least two good reasons:&nbsp;<\/p>\n\n\n\n<ul>\n<li>You can\u2019t afford it&nbsp;<\/li>\n\n\n\n<li>Your car\u2019s not worth it&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Let\u2019s break down both of those possible reasons to turn down full coverage.&nbsp;<\/p>\n\n\n\n<p>There are many products and services that you know you&nbsp;<em>should<\/em>&nbsp;buy, but the cost is simply beyond what you can afford at this time. No matter how wise an investment it might be, you just don\u2019t have the money. That might be the case with full coverage insurance when liability can, in some cases, cost 64 percent less than full coverage. That\u2019s a big difference.&nbsp;<\/p>\n\n\n\n<p>As for your car, ask yourself what it\u2019s worth on the market. If you figure you could only sell it for $2,000 or less, why would you buy a full coverage insurance policy on it? When you consider the cost of your premiums for the more expensive plan and after paying a deductible that might be $1,000, you might quickly pay more money out of pocket than what your old vehicle is even worth. In this case, buying a minimum coverage plan might make a lot more financial sense.&nbsp;<\/p>\n\n\n\n<p>However, before you make a final decision, you owe it to yourself to ask your independent insurance agent about the&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/car-insurance-faq\/\" target=\"_blank\" rel=\"noreferrer noopener\">differences between the two<\/a>&nbsp;types of coverage options, including cost.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consider Your Deductible&nbsp;<\/h2>\n\n\n\n<p>While comparing costs, be sure to have your insurance agent give you a cost quote based on&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/blog\/increase-car-insurance-deductible\/\" target=\"_blank\" rel=\"noreferrer noopener\">various deductible levels<\/a>. Your deductible is the dollar amount that you\u2019ll have to pay before your insurance coverage will pay for your accident or another claim. Whether you buy a liability or full coverage policy, assuming a higher deductible can save you money in premiums.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Low-Cost&nbsp;Insurance Options in&nbsp;Modesto, CA&nbsp;&nbsp;<\/h2>\n\n\n\n<p>You have a lot of insurance coverage options as a Modesto driver. At Cost U Less, we start our contact with you by listening. We\u2019ll get a handle on your unique situation and&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/blog\/best-auto-insurance-prices-in-california\/\" target=\"_blank\" rel=\"noreferrer noopener\">help you find the auto insurance coverage<\/a>&nbsp;that fits your needs, at a cost you can afford. It\u2019s right in our name. Call Cost U Less at (866) 464-4009,&nbsp;<a href=\"https:\/\/locations.costulessdirect.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">visit us<\/a>&nbsp;or get a quick&nbsp;<a href=\"https:\/\/www.costulessdirect.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">online quote<\/a>.&nbsp;<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/rate.costulessdirect.com\/\">Get a Quote<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"tel:8003904071\">Call Us<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-3 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-very-light-gray-color has-luminous-vivid-orange-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/locations.costulessdirect.com\/\">Find Your Office<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you live in Modesto,&nbsp;CA., or anywhere else in the San Jose-San Francisco-Oakland Combined Statistical Area&nbsp;(CSA), you know about traffic congestion. If you\u2019re a Modesto motorist, you might hit those crowded streets and highways frequently. That\u2019s just part of your lifestyle. And it\u2019s why, at&nbsp;Cost U Less Insurance, we&nbsp;might&nbsp;recommend that you consider full coverage&nbsp;auto insurance.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[697],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5886"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=5886"}],"version-history":[{"count":1,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5886\/revisions"}],"predecessor-version":[{"id":6739,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/5886\/revisions\/6739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media\/6738"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=5886"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=5886"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=5886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}