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KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

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Is It Time to Update Your Auto Coverage?

If you haven’t reviewed your auto insurance in a while, now would be a good time to do so. Changes in your lifestyle over the last year may have affected your auto coverage. At KC Wilson Insurance & Financial Services, we recommend our San Jose, CA customers review their policies annually to ensure their coverage is up to date. Here are a few reasons you may need to update your auto coverage.

Marriage

You’ll need to update your auto insurance after marriage if you’re going to add your spouse to your policy. If your new spouse has his or her own car, you can get a multi-car policy to reduce auto insurance costs.

Divorce

If you each own a vehicle titled to your individual names, you may want to obtain separate car insurance policies once your divorce is confirmed. We can help you finalize this process to ensure you maintain accurate coverage.       

Retirement

If retirement changes your driving habits, you may need to update your coverage to compensate for these changes. Some people drive less after requirement and require less coverage. Others drive more due to having more time to travel. If you fall into the latter category, increasing your coverage will ensure you have optimal protection on the road.

Upgrading Your Vehicle   

A vehicle upgrade or the purchase of a new vehicle will probably have a major impact on your auto insurance, especially if you’re buying your vehicle on time. Your lender may require you to have more coverage than you had on your older model to protect their investment.

By discussing lifestyle changes with your KC Wilson Insurance & Financial Services agent, you can ensure you get the coverage best suited for you. To learn more about auto insurance options in San Jose, CA, call or visit us today. 

Shopping for Auto Insurance? Don’t Make These Mistakes

If you drive a car in San Jose, CA, you’re required to have auto insurance coverage. Auto liability is mandatory to pay for damages to others in accidents you cause. Working with a reputable insurer like KC Wilson Insurance & Financial Services will help you avoid costly mistakes in your coverage. Here are some major mistakes you’ll want to avoid when purchasing auto insurance.

Not Shopping Around

Auto policies differ in coverage and costs. Shopping around gives you a better idea of what different insurers have to offer so you can get the best deal in services, coverage, and costs.

Not Getting Enough Coverage

When purchasing auto insurance, it’s important to review your coverage options to ensure you get the protection you need. Otherwise, you may miss essential coverage that saves you money out of pocket. Your coverage should coincide with your lifestyle, driving habits, and the value of your car.

Paying for Unnecessary Coverage

“Generic” auto policies often include the coverage you don’t need but are paying for as part of the policy. By customizing your policy, you can maximize your protection and reduce your premium costs.

Compromising Services for Cost

The lowest-priced policy isn’t necessarily the best, especially if you’re compromising on services and protection to get that low price. It’s better to shop around for quality auto coverage that meets your need at a cost you can afford.

Choosing the Wrong Insurance Company

Insurance companies vary in the services and products they offer. If you choose a company with poor customer service, you may have a hard time collecting on a claim. By selecting a reputable insurer, you can get quality services and coverage, and save yourself time, money, and frustration in the process.

For quality auto insurance coverage in San Jose, CA at reasonable costs, contact KC Wilson Insurance & Financial Services.    

Auto Insurance in California: Things You Need to Know

If you are a car owner from California and you are shopping for auto insurance, there are some things you need to know before getting coverage. 

First of all, according to the Californian law, all vehicles registered in the state must be insured. This means that every car owner, even if with an out-of-state license, must follow the insurance requirements while driving in the state of California. 

The following types of liability coverage are required in California:

  • Bodily Injury Liability – This coverage will protect you if you are involved in a car accident and are liable for an injury or death of other drivers or passengers. The minimum bodily injury coverage in California is $15,000 per person, and the maximum amount per accident is $30,000. 
  • Property Damage Liability – This coverage protects you from paying for the damage of other vehicles involved in a car accident if you are found liable. The minimum property damage liability is $5,000. 

You have to carry proof of insurance whenever you are driving a car.  You need the following information to prove that you have the coverage, the insurance ID card, the name of the policyholder, the start and the end dates of the policy period, and the policy number. You can present electronic documents to prove your coverage as well.

If you are found to be driving in California without auto insurance, your car can be impounded, and your driver’s license – suspended. You can also receive a fine of up to $200 for the first offense and up to $500 – for each subsequent offense within three years. 

If you are shopping for auto insurance in San Jose, CA, KC Wilson & Financial Services will be glad to assist you. We are ready to walk you through this process and find you the best coverage according to your needs and budget. Call KC Wilson & Financial Services in San Jose, CA today to receive more information or get a quote.

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