Beaumont Auto Insurance

Beaumont Auto Insurance

Understanding Beaumont Car Insurance Coverages

• Bodily Injury Liability

  Bodily injury liability insurance is a crucial part of car insurance here in California. It pays for injuries you or anyone driving your car causes to other people if you're in an accident. Say you're driving down California Route 79 near Beaumont and accidentally crash into someone's Subaru, hurting them badly. Your bodily injury coverage would handle that person's hospital bills and income they lose while recovering, up to your policy's payout limits. Without decent coverage, you might owe many thousands out of your own pocket. Although California only requires $15,000 per injured person, $30,000 per accident, we strongly recommend 100/300 limits or more to properly protect yourself around town. Our team at The Insurance Store has agents who can break down bodily injury liability and help pick the right policy to fit your budget while still meeting state minimums and keeping you covered across Beaumont.

• Property Damage Liability

  Property damage liability insurance is mandatory car coverage in California that pays for damage you cause to someone else's property with your vehicle. For instance, say you accidentally sideswipe a brand new Tesla parked downtown while cruising through Beaumont, leaving some nasty scratches and dents. Your liability coverage would cover the cost of buffing out those marks or repainting the damaged area. California only requires $5,000 in coverage, but that likely won't cut it for heavy damage. We strongly advise higher limits, around $50,000 or more to be safe. We want to make sure you have ample protection without overpaying if you were to severely damage someone's valuable car or property here in town. The Insurance Store has great agents to explain property damage liability and help configure an affordable policy tailored for Beaumont drivers, while still providing sufficient coverage in case of a costly accident.

• Comprehensive Coverage

  Comprehensive car insurance is a crucial extra protection for Beaumont drivers, covering damage to your ride not caused by a crash. For instance, say a huge oak tree on your street falls over in a storm, crushing the roof of your parked Toyota. If you have comprehensive coverage, it would pay for repairs or replace your totaled car, minus whatever deductible you choose. Comprehensive also covers vandalism, theft, fire, flooding, hailstorms, and hitting animals around town. Not having comprehensive means you'd have to foot the whole bill if something other than a car accident damages your vehicle. Here at The Insurance Store, we aim to offer Beaumont motorists affordable comprehensive options to fit their budget while fully protecting their car or truck from trouble not caused by a collision they caused. Our trained agents will educate you on deductibles and premium costs to find the right comprehensive fit for your needs before you hit the local roads.

• Collision Coverage

  Collision coverage is a vital piece of car insurance for Beaumont drivers, covering damage to your ride from accidents you cause. For example, if you're distracted and back your pickup truck into a concrete pillar in the Stater Bros parking lot, collision would pay for repairs or replace your totaled truck, less your selected deductible. Collision also has your back if you're at fault in a crash, like if you sideswipe someone along California Route 79 or rear-end another car stopped at an I-10 intersection. Not having collision means paying out-of-pocket if you damage your vehicle in an accident you cause. Here at The Insurance Store, we specialize in affordable collision protection designed for each Beaumont driver's situation. Our agents will inform you about deductibles and premiums to find the best match between protection and price. Contact The Insurance Store today so we can help you go over collision coverage and make sure you're covered for at-fault accidents before your next drive in Beaumont or beyond.

• Uninsured/Underinsured Motorist

  Uninsured and underinsured motorist coverage (UM/UIM) provides vital protection for Beaumont drivers by handling injuries or damage from a hit-and-run or crash with someone who has minimal insurance. For instance, if an uninsured driver rear-ends you on Interstate 10 heading back from Banning or an underinsured motorist sideswipes you along California Route 79, your UM/UIM coverage would pay for injuries to you and your passengers as well as repairs or replacement, minus your chosen deductible. Not having adequate UM/UIM leaves you financially exposed. Here at The Insurance Store, our trained agents will clearly explain what's covered under UM/UIM and work with Beaumont drivers to set appropriate limits to safeguard your health and assets without overspending on premiums. We aim to equip local motorists with optimal UM/UIM protection for the unpredictable roads and drivers passing through our town each day.

• Medical Payments

  Medical payments coverage, or MedPay, is an affordable way for Beaumont drivers to cover medical bills if they or passengers are hurt in an accident, regardless of who caused it. For instance, if you hydroplane on a wet stretch of I-10 through Banning Canyon and spin into a guardrail, MedPay would handle ER transport and treatment costs for you and anyone riding with you. Or if your daughter gets injured while a passenger in a friend's car that's sideswiped outside the high school, her hospital charges would be covered by your MedPay policy. Not having MedPay means paying injury bills fully out of pocket after a crash. Here at The Insurance Store, we clearly explain what MedPay covers and work with Beaumont customers to select limits that provide peace of mind without overspending. We aim to offer locals customized MedPay policies to protect health and wallets after an unpredictable accident on the town's busy roads.

• Rental Reimbursement

  Rental reimbursement coverage is important for Beaumont drivers to pay for a rental car if theirs is in the shop after a crash. For instance, if another motorist rear-ends your truck while you're parked on 6th Street downtown, rental coverage would reimburse you for transportation costs while your truck gets fixed up at the body shop for a week or more. Without rental reimbursement, you'd have to pay those daily rental charges fully out of pocket while being without your own wheels. Here at The Insurance Store, we explain exactly what rental coverage involves and help Beaumont customers pick daily limits and maximum payouts that fit their budget. This makes sure locals have transportation options and aren't stuck with rental bills if another driver sends their car to the garage.

• Roadside Assistance

  Roadside assistance coverage is invaluable for Beaumont drivers, helping with common car issues like dead batteries, flat tires, or getting locked out. For example, if you leave your headlights on overnight and your SUV won't start the next morning, roadside would pay to jumpstart your battery or tow your ride to the repair shop. Or if you get a flat on California Route 79 headed to Banning, it covers changing your deflated tire so you can safely get back on the road. Without coverage, you'd have to shell out potentially hundreds per service call whenever you need roadside help around town. Here at The Insurance Store, we clearly explain what's included and offer affordable roadside assistance options tailored to each Beaumont driver, for total peace of mind. We want local motorists covered for everyday breakdowns and tire problems they may encounter during their daily commute or running errands across Beaumont.

• Rideshare Coverage

  Rideshare insurance has turned crucial for Beaumont folks driving for Uber or Lyft. Without specialized rideshare coverage, your personal auto policy may deny claims that happen while transporting passengers. For instance, if another car rear-ends your Prius on 6th Street while en route to pick up a customer, many standard policies wouldn't cover that accident. Rideshare insurance fills gaps during Period 1 as you head to a rider and Period 3 when you have a passenger. Here at The Insurance Store, we explain what protection rideshare drivers need and provide affordable add-ons or full policies to safeguard Beaumont drivers. We don’t want you paying medical bills or car repairs out of your own wallet because of an accident during a shift. Our agents will customize rideshare coverage for your situation so you can drive people around Beaumont safely while working.

Why Choose The Insurance Store for Car Insurance in Beaumont?

Here is what Our Happy Customers have to say

Working with Gloria was an absolute pleasure! She made everything simple and fast! (:

Cassie Famania