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Express Financial & Insurance Services

3222 Santa Monica Blvd
Santa Monica, CA 90404

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Types of Auto Insurance

Choosing the right auto insurance from Express Financial & Insurance Services is a great way of protecting yourself financially in the event of an accident. It can be overwhelming to choose between various types of auto insurance policies and their coverages. Here are the different types of auto insurance policies along with quick tips on how to choose the right policy depending on your budget and lifestyle.

Liability insurance

If you are involved in a car crash in Santa Monica, CA, and it is determined that you’re at fault, the liability insurance will come in handy. It covers for damages to other peoples’ properties and any medical bills or expenses resulting from the accident’s injuries. It is always advisable to consider a coverage amount that is above your state’s minimum requirement.

Collision coverage

It pays for repairs to your covered vehicle. In addition, the collision coverage can also pay for the value of your car if the car is totaled. You should carry a collision coverage depending on the value of your older car if that applies to your car insurance needs.

Comprehensive Coverage

The coverage option can be very helpful when your car is involved in a non-accident related event such as weather damage. If it fits your budget and lifestyle, it is highly recommended that you consider including comprehensive coverage to your car insurance. In fact, the coverage can be even more affordable if you have anti-theft or tracking devices installed in your car.

Personal Injury Protection

The insurance helps you cover accident costs, which can actually add up so quickly after an accident. No matter who was at fault, at the time of the automobile accident, the personal injury protection will help you avoid financial dents. It can pay for your medical bills and those of your passengers.

Uninsured /Underinsured Motorist Protection

Although it is illegal to drive without enough car insurance in Santa Monica, CA, it is possible to come across drivers who are either uninsured or underinsured. Sometimes, if a driver follows the state’s minimum requirement coverage restriction in purchasing the least amount of coverage, it might not be sufficient to cover for all expenses resulting from an accident. You may not get enough compensation to cover for your damages if the total losses exceed the other driver’s coverage amount. Hence, it is prudent to consider this coverage option for such situations.

Be sure to refer to the terms of your auto insurance for the exact details on coverage options and exclusions. If you are looking for the right auto insurance policy that suits your budget, contact Express Financial & Insurance Services today. Our auto insurance agents will guide you in choosing a policy that suits your budget.

 

 

Why You Should Use Cruise Control When Driving on the Highway

Santa Monica, CA is full of things to see and places to explore, but there are a lot of things to see and do once you leave the city limits.  We may find ourselves driving long distances to visit friends and family. Other times we may find ourselves in a job with a long commute. Whatever the reason, Express Financial& Insurance Services knows that costs add up and that there are ways to save when driving long distances. 

Use Your Cruise Control

Your cruise control may be foreign to you if you don’t leave Los Angeles very often, but it can make for a more efficient trip if you turn it on. It has been said that cruise control helps maintain a constant speed when driving on the highway. When you use your cruise control you may save money which will help you in the long run. 

The Proof

 In an CNN article a writer makes reference to a study comparing the fuel economy of two vehicles. The study looked at a Land Rover LR3, a Ford Mustang.  When the cruise control was set at 70 the Land Rover got 14 better mileage and the Mustang got 4.5 better percent mileage.  If the drivers had gone at self -controlled speeds they would have paid more. The owners of both vehicles would have had to stop to get gas sooner if they had not used cruise control.

The Exception

Driving on the highway can be a lot like driving in Santa Monica, CA. There are lots of people on the road and that makes for a lot of traffic. It is not appropriate to use cruise control in light or heavy traffic.

Express Financial & Insurance Services knows that we have lots of costs to worry about and using cruise control can help.

Traffic in Santa Monica: How Your Auto Insurance Policy Helps

Traffic in California is everywhere, and it can be an extremely frustrating experience if there’s no way for you to avoid it. If you live in Santa Monica, CA, you may not think very often about the connection between traffic and auto insurance, but there’s a direct link. Find out more about how the right policy can help from Express Financial & Insurance Services.

Stress and Hazards

From road work to rain to distracted drivers, it’s not easy to take to the streets in Santa Monica, CA. The wrecks can be brutal, and the stress of both the traffic and the wasted time can really be a burden. Auto insurance is the safety net that you have to fall back on, and having the right policy can give you true peace of mind when on the road. Whether an uninsured motorist hits you or your car is flooded by an unexpected storm on a standstill freeway, you know you can take care of your car, so you always have a way to get around. 

Express Financial & Insurance Services Can Help 

Traffic increases your stress and makes it more likely you’ll make a wrong move. Call our agency to find out more about how we can combat those feelings of frustrations by giving you the protections you need. Whether it’s just you in the car or your whole family, being responsible in California is about adjusting your life to the reality of the highways out there. For all the people out there trying to get to work or just around the city, you can only control your actions. Call us today to find out more about how we can be of service or just to get a quote. 

Don’t Be Uninsured About Uninsured Drivers

California’s minimum mandatory liability insurance just isn’t enough if you’re injured by an uninsured driver.  It does nothing to help you.  You’re only protected if you’ve caused an accident, and that protection is for the benefit of the other driver.  That’s why you want uninsured motorist coverage, and you’ll be surprised to learn how inexpensive it is.

Take a look around you when you’re on the road.  At least 12 percent of the other drivers are virtually uninsured, and at least another 12 percent are underinsured and driving on minimum coverage.  When you sign off on your auto insurance coverage, you’ll be given an option to include or decline uninsured and underinsured motorist coverage.  Given the high percentage of uninsured and underinsured drivers in California, there’s no reason to decline it.  Your underinsured motorist coverage will be packed into your uninsured motorist coverage.  You want as much of this coverage as you can get. 

Uninsured and underinsured motorist coverage not only protects you if you’re the driver or occupant of a motor vehicle who is injured as a result of the negligence of another driver. It might also protect residents of your household, especially when they’re family members.  Coverage can extend to injuries when you or one of them is injured as a bicyclist or pedestrian, and it can also cover injuries suffered as the result of a hit-and-run driver.

Here at Express Financial & Insurance Services, we service Santa Monica, CA and the surrounding area.  Don’t just drive on minimum liability coverage.  It does nothing to protect you if you’re injured through the fault of an uninsured or underinsured driver.  It does nothing to protect your family either. Express Financial & Insurance Services is an independent insurance agent.  We can customize uninsured and underinsured motorist coverage for you.

 

 

Top 5 Ways to Avoid Road Rage

A matter that affects many drivers across the globe, dealing with road rage is a scary concept for most motorists. Are you looking for tips to help you stay safe on the road and avoid triggering those who suffer from this condition? Keep reading.

5. Use Your Horn Sparingly– First and foremost, many instances of road rage begin with the simple sound of a car horn. While you may not mean any particular harm by pressing it, many take offense to being honked at and this causes an unfavorable reaction. Use your horn only when necessary, and never hold it for too long. 

4. Avoid Eye Contact – Many view eye contact as a direct challenge. If a driver is clearly irate, do not make eye contact with them and get as far away from them as possible. 

3. Don’t Annoy Other Drivers– While it may be tempting to weave in and out of traffic or play bumper tag with that super slow driver in front of you, this is also a surefire way to get someone riled up with road rage. Be as polite as you can, even with the worst drivers

2. Move Over if You’re Being Tailgated- It may be tempting to slam on those brakes and give the tailgater a taste of their own medicine, this is also a good way to make someone angry. Just move over!

1. Always Plan Ahead-  Given that many get into accidents and altercations when they are running late, planning your route ahead of time can save you tons of trouble and turmoil. 

Overall, ensuring that your car has enough insurance protection is the best way to avoid instances of road rage. Servicing the area of Santa Monica, California, Express Insurance will give you all the coverage you need! 

What to Know Before You Drive Abroad on Your Next International Vacation

When traveling out of the country from the beautiful city of Santa Monica—one of the many beach cities that is part of the Los Angeles metropolitan area in Southern California—consider whether you plan on driving while abroad on this international vacation. If so, there are a number of things to consider so that you have the correct permits and insurance to guarantee you are properly covered and don’t end up in a confusing and possibly uncomfortable situation with foreign drivers and local authorities in the event of an accident.

First, make sure you can legally drive abroad in the first place with just your American driver’s license. Different countries have different rules so it all depends on where you are traveling. Some require you to obtain an International Driving Permit, or IDP, which can be purchased for a small fee from the National Auto Club or AAA. This basically translates your driver’s license into a number of different languages and will work in most countries. You must be 18 to obtain an IDP, but driving ages vary from country to country anyway.

As far as auto insurance goes, international coverage is often tough to obtain. There are a few exceptions, of course. Most insurance companies will cover travelers who are headed to neighboring countries to the United States, namely Canada or Mexico. However, if you are traveling across an ocean to Europe, South America, Asia or anywhere else, you will need to obtain auto coverage from an independent company that specializes in insuring those who drive abroad, like Express Financial & insurance Services, who serves Santa Monica, California.

As insurance covers you against the unpredictable, it is often integral to international travel, especially when traveling in countries where drivers, local traffic laws and roads are exactly that. Which is exactly why you should definitely purchase auto insurance if you plan on driving abroad on your next international adventure.