<a href="http://www.manta.com/c/mm34hty/saberlines-insurance-service%22%3E%3Cimg src="http://www.manta.com/manta/images/mantaBadge_lg.png" height="44" width="108" border="0" /></a>

About Saberlines Insurance

Started on the 15th of November of 2001, Saberlines has survived the ups and down of the economy and continue to grow, our small size enabled us to provide personal one on one service to all our clients regardless of the account size or the kind of coverage. We always answer the phone with courtesy and friendship; still we match any big name agency with same quality of services and products. In 2004 we started focusing on commercial Truck insurance and Contractors packages; and we never looked back.
Our focus continues to be the benefits of both our Clients and our Employees.

Products :
We offer a wide range of products such as: Home insurance (buildings, contents or buildings & contents coverage); Truck insurance (Liability, Cargo, Physical Damage, Trailer Interchange etc…); Contractors Insurance (General Liability, Bonds, Equipments, Workers Comp) Landlord insurance; Health Coverage and Motorcycle insurance.

Auto Insurance Brief Guide

Auto Insurance

Why Do You Need Auto Insurance?

Auto Insurance is regulated by the state, the department of insurance headed by the insurance commissioner in every state sets the rules and the requirements of the insurance industry. The main reason you’re required by law to have insurance is to: Protect other people and their properties, It’s to pay for what you might be found Liable for if you ‘while operating your vehicle’ caused bodily injury or property damage to other people, that’s why Liability insurance is Legally required for you to be able to drive on public streets.

How Much Coverage You Need?

Every state decides the minimum liability limits acceptable within those states borders, and if you travel from one state to another your auto insurance liability limits will automatically increase to meet the requirements of the state with the higher limits at no additional cost.

We are licensed in different states, but since our base is in California we will be referring to Ca state Insurance requirements throughout this article.

Explanation of Limits Required:

California minimum acceptable liability limits at time of this writing is:15,000/30,000/5,000: which translates to: $15,000 is the maximum dollar amount your insurance company will pay for bodily injury of any One Person you’re liable for while operating your vehicle, $30,000 is the maximum dollar amount your insurance company will pay for bodily injury for all injured persons you’re liable for while operating your vehicle, the $5,000 figure is the maximum amount your insurance company will pay for other people’s property that you’re liable for while operating your vehicle.

The above is the minimum set limits required by the state of CA, and you can see the magic words in the above paragraph are: “Liable for” and “While operating your vehicle” which are the two required conditions for your Auto insurance policy to pay any claims to a third party.

Even the above limits are acceptable by the state (Ca); You’re not limited by these limits, in real life these limits are hardly enough, in case of a major accident or fatality that you might be liable for you will have to pay the difference from your packet and if you don’t have the cash to do that, claimant can go after your wages, your home, and worthy belongings that their lawyer can put his hand on. Its highly recommended to get higher limits to protect your home or business incase of a claim or a law suit against you, also instead of buying the above separate limits for injury and property damage; you can ask your agent for one limit that will be available to pay for injuries and properties freely up to the limit purchased; this is called Combined Single Limit. For example $300k CSL means the insurance company has a max exposure of $300k and it does not differentiate between bodily injury nor property damage.

Also while we still talking about liability if your vehicle is leased (instead of purchased)
The leasing co will require you to have higher liability limits (normally 100/300/50)
That’s because they share the liability with you while operating the leased vehicle.

Uninsured Motorist Coverage:

The State of CA has an optional coverage that your agent or broker is required by law to offer to you; but you’re not required legally to have (some states it’s a must); and that’s what we call: Uninsured Motorist Coverage, considering the fact that some drivers still operate their vehicles without state required liability; which means if you (or your passengers) while operating your vehicle got injured or your vehicle was damaged by another driver who was at fault but didn’t have liability insurance, or you get involved in a hit and run accident (you need to prove that) then this coverage will act like the same liability limits we discussed above, its like you’re buying liability coverage for other drivers who doesn’t have liability of their own, the limits can’t be more than your primary liability limits, the minimum limits for Ca state for uninsured motorist is: 15/30/3.5: the last figure is $3,500 is the maximum your policy will pay for damages to your vehicle if you’re involved in an accident with uninsured at fault third party. If you have your own health insurance coverage; it will have priority over Uninsured Motorist Bodily Injury coverage (UMBI).

So the coverage we discussed so far actually covers other people injuries and damage to their properties that you’re liable for; or it will cover you and your passengers injuries if other people don’t have insurance and they are liable for these injuries, or they are liable for damages to your vehicle (but only up to $3,500 only), what if want cover you’re own vehicle regardless who is at fault?

Comprehensive and Collision:

If you want to cover your vehicle regardless who is at fault; or if you’re required by the dealer, bank or the finance co to have that coverage; you will need both Comprehensive and Collision for your vehicle: Comprehensive will cover your vehicle for any damage or loss that is caused by other than collision, this coverage normally pays for the fair market value of your car at the time of the accident if damaged or stolen. this coverage together or separately has a deductible: Insurance companies charge a deductible before they will pay for the loss, the theory behind that if a client has a deductible he has to pay every time he files a claim that will discourage him from filing every small claim that’s less than the deductible amount, that’s why the higher your deductible the lower will be you premium for this coverage, of course you don’t want to have too high of a deductible that you can’t afford to pay at the time of the loss, also a very low deductible will increase your monthly payments, young drivers or drivers with points go for higher deductibles
To keep their premium low, common deductibles are: $250, $500, $750, or 1,000.

Most insurance companies offer lower separate deductible for the finance company at no extra charge.

Most people (even finance Co and Banks) when referring to Full Coverage they are talking about combination of all the above: Liability, Uninsured Motorist, Comprehensive, and Collision.

When you have Comprehensive and Collision coverage on your Vehicle; the uninsured property damage part is not necessary; so insurance companies normally will waive your deductible if you have both coverage parts and they both apply for that particular accident.

Other Options:

You have other option or coverage to add to your policy like rental and towing: the thing to remember about Rental Coverage it applies only incase of an accident that involves you insured vehicle.

Also Medical coverage is offered at reduced limits but it’s not a primary coverage, meaning its secondary to your health insurance if you have any, one good thing about this coverage strangely it applies to your family members even as pedestrians

I hope this brief guide will help you in making your decision about purchasing your Auto Insurance Policy, if you have any question about this article or need further details please don’t hesitate to email me at: aalrwais@saberlinesins.com

Thank you.



Saberlines specialize in providing low cost car insurance for younger drivers, drivers with points, newly licensed drivers, drivers with foreign license, or even no license at all. If any of these apply to you, why not get a quote! You could even save up to 10% online.
We are appointed to write over 100 auto insurance programs in California; one of these will fit your budget and provide the right coverage you need. We don't just provide insurance for people who are traditionally seen as safer drivers. We are interested in people who currently pay high premiums, that is, young drivers, performance car drivers, people who live in major cities and often a combination of these!