The AIG Auto Insurance Company of California is a leader in the car insurance industry. It is also one of the fastest growing insurers in the country. AIG Auto Insurance Company of California offers 114 preferred repair facilities and 5 drop-in claims centers throughout the Golden State. This article will give you pertinent facts so that when you are obtaining a quote for an auto insurance company, you’ll know what AIG of California has that meets your needs.
AIG or American International Group serves over 130 countries and is committed to community service endeavors to help others. They have been around for almost 100 years. AIG Direct, which serves the home and auto insurance market in the United States, has a conglomeration of member companies, which write policies for AIG.
There are different companies in each state which do this direct-to-the-customer type of insurance sales. In California, the member companies are 21st Century Insurance Company, AIU Insurance Company, American Home Assurance Company and American International Insurance Company of California, Inc.
AIG Auto Insurance Company Of California Coverage Options
AIG offers the standard California minimum coverage, which is $5,000 for property damage liability and bodily injury liability limits of $15,000 per person and $30,000 per accident. They also offer a variety of other auto insurance. They will even offer liability coverage up to a maximum of $500,000. Some of the options are:
- Collision – which covers physical damage to your vehicle caused by an accident
- Comprehensive – which pays for repair or replacement of your vehicle in the case of fire, theft, vandalism or other specified types of loss
- Medical Payments – pays medical costs incurred by you and your passengers should an accident occur
- Uninsured Motorist/Underinsured Motorist (UM/UIM) – in case of being involved in an accident where the at-fault party does not carry insurance or enough insurance
- Rental Coverage – to cover the cost of renting a vehicle to replace yours temporarily, in case of a covered loss
- Towing and Labor Costs – will cover a portion of the cost to tow your vehicle or labor costs to make it driveable, if it becomes disabled
Make your choice of which coverage to carry and how much of each using a number of factors. If your cars are relatively recent models and/or have high value, you should carry collision and comprehensive coverage.
Higher liability limits should also be carried if you have assets, retirement funds and other investments you need to protect in case of being found liable for damages or injury. Do your research and ask questions of agents to make sure you are getting all the coverage you need.
Discounts Offered By AIG Auto Insurance Company Of California
When shopping around for auto insurance coverage, it is important to make sure you get the best price possible. AIG, like most companies offers a variety of discounts based on their underwriting guidelines. Be sure to check with the agent to make sure you have all the discounts you qualify for.
- Multiple Policy Discounts
- Cars Equipped With Air Bags and Anti-Lock Braking Systems
- Certain Payment Pptions, like paying in full and electronic funds transfer (EFT) payments
- Driver Improvement Courses, like those for seniors and defensive driving
- Good Driving Record
- Policies with more than one vehicle insured
- Mature Driver Discounts
- Certain Anti-Theft Systems
Additional Benefits Offered By AIG Auto Insurance Company Of California
AIG’s California auto policies offer a multitude of benefits, which contribute to them being at the top of their field. One of the practical benefits of AIG Insurance is a 24-hour a day, 7-day a week claims hotline, because you never know when you may need their help.
Another benefit is their Security Advantage program, which provides help in the case of identity theft, 24 hour a day roadside assistance and emergency travel and medical help. This program is included free of charge with your policy. It is a security that no one should be without.
Take advantage of AIG’s long history of offering great policies at reasonable prices. Take the first step in getting the best coverage you can with AIG Car Insurance Company of California by requesting quotes.
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