Auto Insurance in Corona & Riverside Guide

Read About Auto Insurance in Corona & Riverside

Driving in Riverside during peak traffic hours can be a bit challenging because of the high amount of traffic. Of the hundreds of drivers that are on the road at the same time that you are, some will not have insurance on their vehicles. This not only puts them at risk, but it can also impact you if you are involved in an accident with them. Having auto insurance in Riverside is a necessity to ensure that you are fully protected in the event of a fender bender or a major accident that can cost you into the thousands and beyond. Getting auto insurance is not difficult and there are several different plans to choose from. The benefits far outweigh the cost as being insured brings you into compliance with the law, protects your personal assets and shields you from liability. This guide has been written to cover all aspects of auto insurance in Riverside and give you the details that you need to make the best choices for getting coverage.

Why You Should Have Auto Insurance

In California, it is illegal to drive without auto insurance coverage. If you are stopped for a minor traffic infraction or involved in an accident you will be fined if you do not have a current insurance policy in place. Over times, the fines that you end up paying could be more than the monthly or annual insurance premiums.
When you drive without auto insurance you know that you are at risk for being fined for driving illegally. This factor alone takes the joy out of driving. If a police car randomly follows you in traffic, stress levels rise until they are no longer behind you. It is unpleasant to deal with the anxiety that is generated by the fear of being caught. While this may cause a person to drive more carefully, it is much better to be relaxed while driving.

According to the Civil Code, any person who has received injury or sustained other types of damages in an accident must possess auto insurance coverage or they are not qualified to seek compensation for their injuries and damages. This law is in force whether the victim caused the accident or not. Even if you are not at fault for the mishap, the only way that you may legally seek compensation is if you yourself are covered under an auto insurance policy. A single accident could turn into a life changing event and you need to have this valuable protection not only for your sake, but for your family as well. If you are unable to return to work, or need intensive medical treatments or therapies, the cost could be overwhelming. In these instances, even the most minimal coverage will satisfy the requirements under the Civil Code.


Legal Alternative to Insurance is Eexpensive

If you choose not to go with auto insurance coverage, there is only one alternative that is legal in the state of California. You may opt to provide self-insurance. This is accomplished by purchasing a $35,000.00 bond through the California Department of Motor Vehicles. If you have this large amount lying around, it is an option, but for the majority of residents, auto insurance is far less expensive and easier to secure.

Benefits of Aauto Insurance in Riverside

Having auto insurance gives you protection in case you are in an accident and are at fault. Even the best drivers are subject to making errors in judgment or not seeing a vehicle that comes around a corner unexpectedly. When you drive in busy traffic, anything can happen. If you are at fault in an accident whether it involves another vehicle or not, you may be held liable for any damages that result. Consider cases where cars leave the roadway and crash into buildings, hit parked cars, fences or other types of property that belong to others. You can be sued for any damages and your insurance coverage will pay the damage assessments and protect your personal assets from attachment in a legal case.
Being hit by an uninsured driver is another real risk in the area. The person may do the honorable thing and wait for law enforcement to arrive, or they may leave the scene, leaving you as the victim of hit and run. Not all hit and run cases end with the culprit coming to justice. In many instances, the person hit has no support or compensation for the damages received. When you have auto insurance in Riverside, you are protected from uninsured drivers or hit and run events. Having auto insurance in Riverside gives you a greater sense of well-being. You no longer worry about routine traffic stops (they do happen), or about reporting minor accidents such as fender benders.

Protection From Under-insured Drivers

If you are in an accident that is caused by a driver who is carrying the minimum required coverage for liability, the payment may not be enough to cover the damages and costs that you incur. For example, if the driver has a policy that covers $20,000 of the damages and your vehicle is worth $30,000, you’ll need to have a policy that can ensure that you will be adequately compensated for your losses.

You Can Customize Your Policy

There are many different types of auto insurance policies. The rates vary, depending on the type and amount of coverage that you choose. Most policies have a deductible. This is the amount of money that you will pay if you use the policy. Deductibles are very similar to the co-payment that you make at a doctor’s office with medical insurance. Some deductibles are as low as $100 and others are higher. In general, lower deductibles are associated with higher policy rates and vice versa.

Decide on the coverage that is the most appropriate for you. Some drivers who are on a tight budget or who own an older vehicle opt for liability coverage alone. This protects you if you are at fault in an accident and generally covers the damages that are sustained by the other parties. Your vehicle will not receive compensation for damages, but it will pay for the property of others as well as for any physical injuries if they are hurt. Full coverage options provide you with a wide range of choices.
What you should consider when choosing the best auto insurance policy

Each policy has specific limits on the amount of protection provided. Carrying the minimum amount of coverage may cost less in premiums, but will it provide the coverage that you need in a major accident? If you have multiple assets such as a home and other valuable possessions, these could be at risk if you are at fault in a major accident. Accidents that result in loss of life, loss of vehicle or injury to others can skyrocket in costs. If your automobile insurance does not provide enough coverage for such a major disaster, your assets could be attached in a lawsuit.

You may also choose to include uninsured and under insured motorist coverage. These options will offer additional protection from people who carry the minimum required liability policies, or worse yet, none at all.
How to go about getting auto insurance in Riverside

The process for getting auto insurance is not difficult. There are a few ways that you can go about securing coverage. The first option is to go online and fill out the requested information forms. You can actually receive a free quote with no obligation so you can review the types of available policies, the benefits that you get and how much the policies will cost you per month.
If you prefer to talk with a live person, you can simply place a phone call to speak with an auto insurance representative. You can discuss your personal needs and receive information about your options and the cost for each. You can also schedule an appointment with a representative if you prefer to discuss your insurance needs face to face.

Wh You Should Use Our Company

Top One Insurance has received awards for providing excellence in service in the industry. We represent multiple top auto insurance providers to find the most appropriate type of coverage for our clients, with the best possible rates.
We specialize in offering the lowest rates for motorists in California regardless of the risk factor of the vehicle or the driver. We have build our business upon online acquisition of auto insurance in Riverside to provide convenience and accessibility for our clients. Whether you need liability insurance or full coverage, we have plans that will suit your budget and meet your individual auto insurance needs.

Why Our Rates Are So Low

We’ve amassed a network of excellent resources over the past 10 years. Our goal was and currently is to offer anyone who inquires, fast quotes on the coverage type desired. Our staff is fast and responsive to give the best possible attention and customer service that is possible. We work with the client to put together the most suitable and desired options. We’re specialist in the insurance industry, so we know what to look for when reviewing policies, and what to reject. Our team is committed to providing the best possible services for our clients. Whether you or your vehicle is at low-risk, moderate risk or high risk, we can help you put together a suitable package with the best coverage for the lowest prices. Let our experience work on your behalf.

Final Thoughts on Auto Insurance in Riverside

There is no good reason for going without auto insurance because the risks that you take by doing so are simply too great. Even on a tight budget, the low cost of auto insurance coverage makes it accessible to practically everyone who has a vehicle and is legally licensed to drive. It can save you hundreds or even thousands of dollars that you may otherwise end up paying in traffic fines or from the consequences of accidents.

Give yourself a break from the stress of being an uninsured motorist. Stop fretting when law enforcement is behind you in traffic. Drive with increased confidence and peace of mind. Protect your assets and your personal well-being so the unexpected does not catch you unaware. It only takes one moment of inattention or the actions of another driver which are out of your control to change your life forever. Even a small fender bender can result in your assets being attached and taken from you. There is every reason to take a few moments to secure your auto insurance coverage now, and no reasons to delay.

Contact Us

Contact Top One Insurance and find out how we can help you get on the safe track with the auto insurance you need at the prices you can afford. We’re here to help.
Contact UsWe realize that many of our clients lead busy schedules or may have different preferences when it comes to contact options. We offer a few different ways for you to work with our staff for convenience and high availability. Contact us online You can fill out our convenient online form to get your free quote. This will allow you to compare rates in just a few minutes.You can also email us at Our team is highly responsive and will review your request and respond quickly.Stop by the office We are located at: Address 161 N McKinley St.Suite 107 Corona, CA 92879 Office Hours Monday – Friday 9:00 AM to 5:00 PM We’re happy to answer any questions that you may have and to show you how we can help you get the auto insurance in Riverside that will best meet your needs at the lowest prices.Give us a call if you prefer to speak with one of our agents, you can pick up the phone and give us a call. Our telephone number is (951) 291-9898. We’re happy to discuss your needs and let you know how we can help. If you choose to call, you can reach our staff during these hours:Mon-Fri: 9:00 AM to 7:00 PM Sat-Sun: 10:00 AM to 5:00 PM