Category Archives: Auto Insurance

3 Reasons To Properly Insure Your Classic Vehicle

Your classic car, truck, motorcycle, or boat are usually treasured items that you would have a hard time replacing. Now imagine, your insurance company is only wanting to pay you for what THEY think your classic vehicle is worth. This happens to many classic vehicle owners, as they do not realize their classic would be better covered on a policy separate from their regular vehicle insurance.

Here are the 3 reasons you want to properly insurance your classic vehicle:

   1.Your normal auto insurance policy only offers coverage on an actual cash value basis.

The standard auto insurance policy that we all have for our daily drivers is on an actual cash value basis (ACV) – Actual Cash Value = The price of the vehicle less depreciation

The insurance companies that specialize in classic’s, primarily, offer agreed value. Agreed Value means that the policy holder and the insurance company agree to insure the vehicle for an exact amount and that is what the vehicle is insured for on the policy.

   2. Classic Vehicle Insurance Companies KNOW Classic Vehicles

Your standard auto insurance company handles claims all day for Old Honda’s-New F150’s. Vehicles that depreciate, not appreciate. They generally don’t know classic’s or collector vehicles, as that is not what they specialize in.

Insurance companies that specialize in classic vehicles, KNOW classic’s. They generally, only handle claims for classics and collector vehicles. There’s no guess work at the time of a claim, as you determined the value of the vehicle up front.

   3. Its CHEAPER!

Most of the time it’s less expensive to have your classic insured on a classic vehicle policy anyways! These specialty insurance companies know that the owners drive these vehicles less and are much more cautious with their prized classic.

Hard to beat better coverage and less insurance premiums!

If you aren’t sure of the value of your classic vehicle look it up with Hagerty’s Valuation Tool. You can even plug in your old VIN# and they will populate the info! (If its stock…)

Safety Glass Coverage on Auto Insurance

by Patrick Ramsay

While there are worse things to find on your windshield than a chip or a crack, windshields are a notoriously fragile part of vehicles and oftentimes. insureCAL’s safety glass coverage with auto insurance will slightly increase your premium, but when you need your windshield repaired or replaced, there is no deductible.


Generally, if a chip or crack on your windshield is smaller than a dollar bill, it could be repaired in most cases. What happens when you have safety glass coverage through insureCAL? One of the most important parts of windshield repair is that you must get it fixed and reported to insureCAL as soon as possible.


The repair process for a chip or crack generally takes less than 30 minutes. After a windshield repair, a blemish will be visible but will fade with time. Contact insureCAL to add safety glass coverage to your auto insurance policy! We’ve got your windshield covered so you don’t have to sweat the small stuff.


Basics of Your Personal Auto Insurance Coverages

Unsure of exactly what all of those numbers and coverage’s mean on your Auto Insurance policy?

Here’s a quick list and explanation of the basics:

BI/Bodily Injury Liability:

Covers bodily injuries that are caused by you/your vehicle to others

PD/Property Damage:

Covers the damage that you/your vehicle causes to other parties vehicle or property

UMBI/Uninsured motorist Bodily Injury:

Covers you and those in your vehicle if injured by an uninsured or under-insured motorist

UMPD/Uninsured Motorist Property Damage: (this coverage is when you do NOT have physical damage coverage)

Covers the damage done to your vehicle by an uninsured or under-insured motorist (only covers up to $3500 in damage)

CDW/Collision Deductible Waiver: (this coverage is when you DO have physical damage coverage)

Waives your deductible when damage was caused by an uninsured or under-insured motorist

Medical Expense:

Covers yourself and those in your vehicle when the accident is AT FAULT.

Comprehensive Deductible:

Amount that insured is responsible for if the vehicle is vandalized, stolen, etc (anything other than collision)

Collision Deductible:

Amount that insured is responsible for if the vehicle is involved in a collision

Does Your Car Insurance Only Cover Aftermarket Parts?

More than likely your car insurance policy is not going to pay for more expensive original equipment manufacturer (OEM) parts if aftermarket parts are available. However, they will let you pay the difference for these more expensive parts if you choose.


Well, what if you want your insurance to cover the factory OEM parts? No one can blame you for this. After all it is what was on the car originally. Your best bet to avoid having any issues with your insurance carrier not paying for these OEM parts is to have the “Special Physical damage Coverage” endorsement added onto each vehicle. This optional endorsement will provide damage estimates for “your covered auto” based on available new parts from the original equipment manufacturer.


How much is this endorsement going to cost?  It all depends on the vehicle but on average it will be about $3-10 more a month.


For more details, contact one of our insurance advisors,


How Your Driving Record Affects Your Car Insurance Premium

The following is to give you a better idea on which convictions/violations or accidents will have the biggest impact on your car insurance premium. This is an excerpt from Allied Insurance policy form IN 0531 and can be found towards the front of your auto insurance policy packet you received in the mail:

“The determination of your premium cost is based, in part, on a point system described below, using past experiences (accidents and convictions). Drivers who have not been involved in an accident or who have not been convicted of a motor vehicle violation receive the lowest premium cost. For other drivers, premiums are based upon the number of points he/she has accumulated during the experience period of three years immediately preceding the effective date of the policy as a result of an accident or conviction.


1. Convictions – Points are assigned for convictions during the experience period for motor vehicle violations of the applicant or any other current resident or listed operator as follows:

a. Five points are assigned for conviction of:

1) Driving while intoxicated, “open bottle”, or any other violation involving the use of intoxicating liquor or narcotic drugs. This includes a “deferred sentence” involving license suspension or revocation for a drug or alcohol related occurrence.

2) Failure to stop and report after being involved in an accident.

3) Homicide or assault arising out of the operation of a motor vehicle.

4) Driving during a period while the driver’s license is suspended or revoked.

5) Permitting an unlicensed operator to drive.

6) Loaning an operator’s license to an unlicensed operator, or making a false statement in an application for license or registration, or procuring a license or registration through impersonation whether for himself/herself or another.

7) Engaging, aiding or abetting a spontaneous or prearranged speed contest.

8) Reckless driving.

b. Two points are assigned for a conviction of the following:

1) Passing violation, including but not limited to passing on the wrong side, on a hill or curve, or in a no passing zone; or

2) Speed in excess of 100 miles per hour.

c. One point is assigned for any other moving traffic violation conviction.

EXCEPTION: Convictions for the following shall not be regarded as moving traffic violations:

1) Any motor vehicle “equipment” requirement of the motor vehicle and traffic laws, except brakes; IN 0531 (09-13) Page 2 of 4 IN 0531 (09-13)

2) Failure to display proper number plates provided such plates are in existence;

3) Failure to have in possession operator’s or chauffeur’s license provided there is one in existence;

4) Failure to sign or display registration card.

2. Accidents – Points are assigned for each accident that occurred during the experience period, which resulted in Bodily Injury or Property Damage in excess of the amount listed under subsection (b) where the driver has been found principally at fault for the accident.

a. One point is assigned for each auto accident that results in bodily injury or death of any person.

NOTE: Medical payments claims for bodily injury that do not arise from the actual operation of an auto are excluded.

b. One point is assigned for each accident that results in property damage including but not limited to his/her own property, regardless of whether or not an insurance claim was filed, resulting in damages:

1) In excess of $750 per any one person if such accident occurred prior to December 11, 2011.

2) In excess of $1,000 in the aggregate if such accident occurred on or after December 11, 2011.

EXCEPTIONS: No points are assigned under your policy for an accident:

1) Involving an unlisted operator who is a named insured or driver under a separate policy with our Company. The point(s) will follow the driver to his/her own policy.

2) Involving an unlisted operator who is neither a resident of the named insured(s) household or a regular operator of the insured auto.

3) If the provisions of Insurance Code Section 488.5 apply.

4) In which the applicant, owner, resident relative, or other listed operator is (1) determined to be 50% or less at fault; or (2) reimbursed for 51% or more or more of his/her damages by, or on behalf of, any other person(s) involved in the accident.

3. Duplicative Points – Points incurred as a result of one accident are assigned either the points arising out of the accident or the violation; whichever has the greater number of assignable points.

4. Refund of Surcharged Premium – If a point has been assigned for an accident and it is later determined that the accident falls under one of the exceptions outlined above, the company will refund any increased premium cost generated by the accident surcharge to the insured.

5. Driving Safety Record – The Driving Safety Record will be determined from the number of Driving Record Points accumulated by all operators associated with the auto during the experience period. The total points for an operator are applied only to the auto to which he or she is associated.”