Auto Insurance Claims That May Not Impact Your Premium

Making a car insurance claim without raising your premium.   You buy car insurance to protect your vehicle and pocket. When an accident happens, it’s often best to file a claim so that you receive compensation and assistance in getting back on the road. While most motorists associate filing a claim with a premium increase, this isn’t always the case. When it comes to rate hikes, not all claims are created equally. Some claims may raise your rates slightly, some may make your premium shoot … [Read more...]

What Does Non-Owner Car Insurance Cover

What is a non-owner auto insurance policy and who needs it? Believe it or not but even if you don’t own a car yourself, you may still need auto insurance. Non-owner car insurance is beneficial for individuals who drive vehicles that they don’t own. Whether you’re renting or borrowing a car, this type of policy can help you pay for injuries and damage if the worst should happen. What does non-owner car insurance cover? A non-owner car insurance policy typically provides the minimum … [Read more...]

SR-22 Insurance in California: Auto Insurance After a Setback

How to handle insurance after a DUI or insured wreck. California motorists are some of the riskiest in the nation. If you’ve been involved in a car accident without insurance or after getting a DUI, you might be required to prove you have auto insurance with a form called an SR-22. This is your insurer’s guarantee that you have coverage. If you fail to obtain an SR-22 after a serious incident, you could lose your right to drive in California. Who needs an SR-22 in California? After a … [Read more...]

Does the Local Crime Rate Impact My Auto Insurance?

How crime rate can impact the price you pay for car insurance.   Insurance companies have a number of factors to consider when determining your home insurance rate. Much of your monthly premiums will come down to your personal history, vehicle make and model. What many motorists forget is that their ZIP code is taken into account when insurers are determining premiums. The location of your car (at least, where it is parked overnight) will play a large role in calculating costs. If you live … [Read more...]

Driving in Summer Heat: How to Stay Cool on the Roads

Summer driving tips to stay cool this season.   The sun is shining and summer is here! There’s nothing ahead but miles and miles of enjoyment. Even though you may love being behind the wheel on a nice warm day, trouble can occur when the temperatures increase. To help keep you on the go, check out these tips to handle the heat of the season while behind the wheel. Before you hit the road when it’s hot outside: Check your cooling system (or have a professional do it). Make sure you have … [Read more...]

Does My Auto Insurance Cover a Rental?

Determine whether you need additional coverage when renting a vehicle.  You’re renting a car for the week on vacation and you’ve managed to secure a great deal on a vehicle. When you’re at the desk getting the keys, the attendant asks if you would like to purchase auto insurance coverage. Suddenly, you don’t know what to do. Here is your chance to be prepared at the rental car counter so that you can be on your way faster. I have car insurance. Do I need to buy their coverage, too? This … [Read more...]

Why You Should Consider Uninsured Motorist Coverage

Reasons why you should consider uninsured motorist insurance.   Is there anything worse than being injured in an auto accident caused by someone else’s negligence, resulting in a mountain of medical bills, vehicle repair expenses, and time away from work? What if the at-fault driver does have any or enough, or even worse, no insurance to cover these costs? Although it seems like an extreme and unlikely scenario, it’s much more common than you think. As recently as 2015, more than 1 in 8 drivers … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax