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San Diego, California Car Insurance

California is earthquake country and San Diego gets more than its fair share of seismic activity. Smart San Diego drivers know how to plan for the unexpected by insuring their cars against earthquake damage and learning to drive should they be caught on the road during a seismic event.

Insurance against Earthquake Damage

San Diego drivers often make it a point to carry Comprehensive coverage on their cars so that any earthquake damage will be covered. There are no insurance policies that specifically cover earthquake damage. Some people choose to carry higher deductibles to keep rates down. The best way to make sure you are paying the best rate is to enter your zip code in the box at the top of this page and check out three different quotes from different insurance companies.

Planning for an earthquake also means being prepared for emergency. This means keeping a first aid kit in the car, along with warm blankets, a flash light with extra batteries, a hand-crank radio, extra water, a fire extinguisher, matches, snacks and a few extra doses of any prescription medications you take regularly.

Driving During an Earthquake

San Diego drivers say driving during an earthquake feels sort of like driving on the beach with four flat tires. While the earth movement will make the car feel unstable, you should still be able to maintain control of the car, barring a catastrophic opening of the earth or bridge collapse.

The first and most important point is to avoid panic and slow down gradually. If you slam on your brakes, you may cause the motorist behind you to drive into the back of your car. Find a safe, clear space to pull over and park your car.

If you are on a freeway overpass, continue driving as long as it is safe to do so, then take the next exit ramp and pull over. Do not pull off underneath or next to any bridges or other structures that might topple during the quake. Also avoid trees and power lines, since they can fall down onto your car.

Once parked safely, stay belted in your car until the shaking stops. By wearing your seatbelt, you will be safer if the car is tossed around violently by the shaking. You should only leave your car if there is immediate physical threat of harm. If you cannot find a safe place to park, secure your car and leave the area on foot until you can find a safe place free of potential falling objects.

Listen to the radio for broadcasts to tell you when the quake has passed. Only drive again when you hear the all clear. Stay off bridges and overpasses if you can and never drive over downed power lines.

During an emergency, it is easy to panic and become unreasonable about saving your car. Remember that your life and the lives of those with you are much more important that a car. Never risk anyone’s life in an attempt to save your car.

San Diego Car Insurance in California

Many people that live in San Diego, California may find that the costs of auto insurance will increase yearly and this is why it is very important to do all you can to try and keep your insurance costs down. The majority of people that live in a huge city the size of San Diego knows how important it is to always stay insured. This city alone has a population of 1,222,000 and this can make it a very highly populated area in which to drive.

Regardless of the fact that auto insurance goes up, you will need to make certain you maintain it at all times wherever you may live. However, the larger the city, the more important you may find it to be to keep insurance on your automobile. There are a lot of people who drive in a city this size so it is imperative you always stay insured.

Auto insurance if much like anything else, you can expect it to increase yearly and this is just a part of being insured and having your vehicle properly insured also. There is a huge peace of mind knowing that you do have the best insurance you can in the event you are involved in an accident.

Auto accidents can be very pricey, regardless if you have the right amount of insurance or not, so you will certainly want to speak to any insurance agent to help you get the best deal you can and they also may be able to give you an idea of how much to expect your auto insurance to increase.

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