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KC Wilson Insurance & Financial Services LLC

1654 The Alameda, Suite 210
San Jose, CA 95126

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Do I Need Full Coverage Auto Insurance in San Jose, CA?

Choosing the right amount of auto coverage in San Jose, CA is essential to protect yourself and your vehicle. Full coverage auto insurance is the most comprehensive type of policy available. Many factors go into deciding if full coverage is right for you.

Who Needs Full Coverage in San Jose?

There is no definitive answer to this question. Some factors that may influence your decision include the age and value of your vehicle, your driving record, and the amount of coverage you currently have. Full coverage may be a wise investment when you have a newer car with a high value. Also, a vehicle loan may require full coverage. If you have a poor driving record, you may also want to consider buying full coverage to protect yourself financially in an accident.

Your KC Wilson Insurance & Financial Services representative can help you decide if full coverage is right for you. We work with you to find a policy that fits your needs and budget.

What Does Full Coverage Auto Insurance Include?

Full coverage auto insurance includes collision and comprehensive coverage. Collision coverage pays for damages to your car caused by an accident. Comprehensive coverage pays for damages to your vehicle not caused by an accident, such as theft or vandalism.

Both collision and comprehensive coverage include “uninsured/underinsured motorist” (UM/UIM) coverage. This coverage pays for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Call KC Wilson Insurance & Financial Services today for a free, no-obligation quote on full coverage auto insurance in San Jose, CA. We can help you find the policy that’s right for you.

 

What are the Benefits of Auto Insurance?

Many of us have cars to move us from one place to another. While yes, they are convenient, cars come with plenty of responsibilities. Most people think that car maintenance is the only responsibility. While this is crucial, you should also remember car insurance! You see, you could have all your scheduled maintenance checked, have many years of driving experience, but one incidence could leave you sorry if you hadn’t insured your car. 

To that end, car insurance is vital for everyone on the road. It’s that safety net that keeps you protected financially in the event of an unfortunate event. The benefits of having auto insurance are limitless. At KC Wilson Insurance & Financial Services, we will highlight the benefits of investing in auto insurance.

Compliant with law

Auto insurance in California is mandatory. You must show proof of financial responsibility, which is insurance when on the road. Failure to have one you risk fines and penalties.

Pay now and save later

Car insurance is your safety net. The premium you pay now can help you pay expensive bills in the event of an accident. All you have to do is talk to your insurance agent to get the right coverage that suits your lifestyle.

Peace of mind

A mistake of another driver can become your problem. Think about an uninsured or underinsured motorist causing an accident. It’s your headache. But with insurance, you drive around knowing your insurance policy got you.

Protects yourself and others

In the event of an accident, you want to be sure you have the right coverage that can take care of any form of damage, may it be bodily injury or property damage. Having the right coverage can protect your family, passengers, other drivers and yourself.

Auto insurance in San Jose, CA

The aftermath of a car accident can be extremely tedious and time-consuming. Luckily, a good car insurance policy can handle your headaches. Ready to purchase our car insurance in San Jose, CA and its environs? Contact KC Wilson Insurance & Financial Services for an affordable quote.

Who should carry comprehensive and collision insurance

Auto insurance is not just one type of coverage; it is several types of coverage. Some are required and others are a choice that you make according to your needs. Liability insurance is required and that coverage protects other drivers from you. When it is time to decide the type of coverage you want for your vehicle, having an independent insurance agent whom you trust to guide you is a big help. At KC Wilson Insurance & Financial Services in San Jose, CA, we were founded to help provide the assistance you need with insurance and financial products. 

When it comes to who should carry comprehensive and collision insurance, the state does not require that you carry it. They are both optional coverage unless you happen to have a loan or a lease in which case you will be required by the lender or lessor to protect your vehicle. What collision coverage does is pay for repairs or replacement of your vehicle in the event of an accident where you are responsible. Comprehensive coverage repairs or replaces your vehicle in the event it is stolen or damaged in n event beyond your control. 

Anyone who counts on their vehicle in order to drive to work, run errands or just live their regular life, can benefit from having comprehensive and collision coverage. Ask yourself this simple question "could I afford to repair or replace my vehicle out of my own pocket if I needed to?" If you had to think about the answer or hesitated, the answer probably is no you couldn’t. It may be tempting not to pay for this valuable coverage but if you ever need it, you will be very grateful that you did. 

Contact KC Wilson Insurance & Financial Services in San Jose, CA for all your auto insurance needs. 

Auto Coverages That Protect You & Your Passengers

When you want to buy auto coverage in San Jose, CA, you must look for a product that protects you and your passengers. According to KC Wilson Insurance & Financial Services, some insurance products do not cover everything, which means that it is always necessary to be cautious when purchasing auto insurance. However, there are some coverages that one can consider to be on the safe side. 

Liability Insurance Coverage

Liability coverage is the basic minimum for any car that is driving in the United States. It is illegal to drive without this insurance coverage because it offers the necessary protection to the driver, the passengers, and anyone likely to be involved in the accident. One of the most sensitive benefits of having liability coverage is that it helps handle property damages that a car is likely to cause during an accident.

Underinsured and Uninsured Coverage

It is important to highlight that not all motorists on the road have the necessary insurance policies. Some are driving illegally, and it is important to keep in mind that such drivers can cause an accident, and they don’t have anything to offer as liability for such accidents. However, with underinsured or uninsured coverage, you will be able to cover the medical bills that you will incur and those of your passengers. The only problem is that this insurance coverage is optional in some states, explaining why some people leave it altogether.  

Comprehensive Insurance Coverage

Comprehensive insurance covers everything non-accident-related, including theft, fire, and other damages. It will also help in covering the medical expenses or any other financial requirement involving your passengers. However, it is an expensive insurance policy that many drivers do not prefer. 

KC Wilson Insurance & Financial Services encourages auto owners in San Jose, CA to have insurance coverage that extends to their passengers. This is a critical way of protecting friends and loved ones and preventing unnecessary out-of-pocket expenses. Contact us today for more information about this coverage and to get a quote.

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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