What is your car insurance actually insuring? Although you’re buying a single insurance policy covering a specific vehicle, a number of components make up the final cost: Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone. Property damage liability: Covers claims for property that…

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You might be surprised by the number of discounts available to you that can help lower your for auto insurance premium. For example, if you insure multiple vehicles or have another line of insurance (renters,homeowners) you may receive substantial savings with a multi line discount. Make sure to call your agent and ask for a policy review to have…

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In reality, there is no standard rule as to when you should drop the comprehensive and/or collision coverages. It’s really a personal preference based on if you still owe on the vehicle, your risk tolerance and a few other factors. If your car is only worth $1,200, you may ask yourself what you would do…

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After an accident, you might be faced with some expenses you didn’t expect. This option reimburses you for the cost of renting a car while yours is in the shop. Many people assume that rental car coverage is part of any auto insurance policy. But the truth is it’s rarely automatically included. That said you…

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This is probably the question that we hear the most while writing new Auto Insurance policies. According to the California DMV, the length of time a point stays on your driving record depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents…

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Ever think that a huge soccer ball would land on top of your automobile??? I can guarantee neither did the couple who had the huge soccer ball fall on their automobile. Give yourself the piece of mind knowing that you are protected in any event. Call your local Cullen Insurance Agent for a free quote.

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