Whether you’re buying your first car or shopping around for an upgrade or a new family vehicle, buying Auto insurance that’s right for you is an important part of the process. How much coverage do you need? What’s required, what’s optional, and what deductibles should you carry? Do you need different insurance if you drive for Uber or Lyft?
The professional, experienced staff at Arroyo is right here to provide you with what you need. With 11 locations throughout Southern California, we can assist you in deciding and obtaining the coverage you need at a competitive price. And, because we’re independent, you can be assured we are working for you, negotiating on your behalf from the dozens of insurance companies we represent.
Here’s a rundown of what Auto insurance coverages you need and the options available:
For high-value automobiles and collector cars, please visit Arroyo’s Private Client Services.
As more drivers use their own cars to pick up passengers for pay, it’s important to know whether you have the right coverage. The coverage offered by Uber and Lyft for their drivers varies, but basically, Liability insurance is available when the pick-up app is on and you’re waiting for a passenger to hail you via the app.
Note: Whenever the app is off, coverage is not provided by these transportation network companies. Your Personal Auto insurance may not cover you, either, if you’re in an accident while “on the job” unless you have purchased what’s called “hybrid” insurance. This will cover you in both personal and ride-hailing situations with some exceptions. We can discuss this with you in greater detail.