At Commercial One Insurance Service, an auto insurance provider, we are committed to helping drivers in the greater Burlingame, CA area stay safe on the roadways. This is why we provide tips to help you stay safe. Here are a few car safety tips for driving at night. 

Ensure Your Headlights Function and Illuminate The Road In Front Of You

It is crucial to test out your headlights at least once a month. Not only should your headlights illuminate, but they should be bright enough so that you can see the roadway ahead of you. If your lights are out or too dim to illuminate the path before you, they should be replaced. 

Drive a Bit Slower on Darker Roads

One of the biggest misconceptions about a posted speed limit is that it is the speed you must drive. That is only a recommendation when conditions are good. When it is darker, and you are unfamiliar with the road, do not be afraid to go a bit slower to stay safe. 

Avoid Looking Directly At Other Driver’s Headlights

This may sound like common sense, but unfortunately, many people look directly into other drivers’ headlights while driving. This can temporarily blind you or have you seeing stars. Avoid doing this, and instead, look down at the road as other cars pass you on the opposite side of the road. 

Pull Over and Rest If You Feel Tired

Lastly, always pull over and rest if you feel tired or start to doze off. Falling asleep at the wheel is a leading reason for car accidents. 

Tips can help you avoid an accident, but they cannot prevent all accidents. This is why it is so important to have great auto insurance that fully covers you. If you are in the market for a new auto insurance policy in the greater Burlingame, CA area, contact us at Commercial One Insurance Service to get the help you deserve. 

It’s no secret that regular car maintenance is vital for the health of your vehicle. But many people don’t realize that failing to get your car serviced regularly can actually end up costing you more money in the long run. In this post, we’ll discuss why it’s so important to get your car regular checkups, and we’ll also provide some tips on making the process as easy as possible. 

First, it’s essential to understand that car maintenance involves much more than just changing the oil or replacing your windshield wipers. A complete checkup by a qualified mechanic will involve inspecting every part of your car – from the engine and transmission to the tires and brakes. And this is crucial, as failing to address any potential problems with these parts can lead to more significant issues down the road, which are sure to be far more costly.

Of course, scheduling a car checkup is easier than you might think. Many mechanics offer convenient appointment times and will work with your schedule to ensure that you can get in for an inspection when it’s most convenient for you. So whether you need to bring your car in during a lunch break or after work, you should be able to find a mechanic who can accommodate your needs.

The bottom line is that regular checkups are essential to keep your car running smoothly. So don’t skip that needed routine maintenance! Bring your car in for checkups regularly. And, if you have any questions about your insurance, give us a Commercial One Insurance Service a call today. We proudly serve the Burlingame, CA area.

Auto insurance is something that every driver needs. But not everyone knows exactly what it’s or how it works. In this blog post, we’ll discuss the basics of auto insurance and answer some of the most common questions about it. So, whether you are a new driver just starting or looking to save money on your current policy, read on for everything you need to know about auto insurance!

What is Auto Insurance?

Auto insurance is a contract between you and an insurance company such as Commercial One Insurance Service in Burlingame CA. You agree to pay the premium, and the insurer agrees to pay for your losses as specified in the policy. The coverage can include damage to your car, medical expenses, legal fees, and more.

How Does Auto Insurance Work?

If you have an accident or your car is damaged in some other way, you will file a claim with your insurance company. If your policy covers the damages, the insurer will pay for them.

What Types of Coverage are There?

There are many different types of coverage available, and the type you need will depend on your situation. Some of the most common types of coverage include:

• Liability coverage, which pays for damages if you are at fault in an accident
• Collision coverage, which pays for damage to your car if you are in an accident
• Comprehensive coverage, which pays for damage to your car from events other than accidents, such as theft or weather damage
• Medical payments coverage, which pays for your medical expenses if you are in an accident
• Uninsured/underinsured motorist coverage pays for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.

Conclusion

Auto insurance is an essential part of owning a car. By understanding auto insurance basics, you can ensure you have the coverage you need to protect yourself and your vehicle.

Contact your insurer if you have any questions about your policy or coverage. Commercial One Insurance Service in Burlingame, CA can help if you’re looking for a new auto insurance policy. Contact us today for a free quote.

Most auto insurance policies include an automatic renewal within their terms, which can be great for anyone that does not want to handle paperwork or have to search for a new policy. Still, it also means that your rates may increase without you noticing. Roughly one month before your policy expires, you’ll receive a letter from your insurance company to discuss the renewal. It will include your new car insurance premium, a revised declaration page, and new insurance cards for your vehicle. If you ignore the letter and continue to make payments, your policy will automatically renew at the new premium rate on your renewal date. 

While there is no guarantee it will happen, your rates may increase at renewal. Insurance rates are calculated based on a multitude of factors, including your age, type of vehicle, and driving history. If you have filed any insurance claims or had a claim against you, been involved in an at-fault accident, received a driving ticket, or moved to a new zip code, then your auto insurance rates may increase. Additionally, if the market has changed in your area, like an increase in vehicle accidents or hail damage claims, that may lead to a change in your premium. 

If you decide to cancel your auto insurance policy, you’ll likely have the option to do it over the phone, or you may be required to send a letter to the provider stating your intention to cancel. If you decide to switch insurance providers, you’ll need to do so before your current policy expiring to avoid potential repercussions. At Commercial One Insurance Service in Burlingame, CA we can assist in shopping for auto insurance rates within your budget. Give us a call today to learn more.

Most auto insurance policies include an automatic renewal within their terms, which can be great for anyone that does not want to handle paperwork or have to search for a new policy. Still, it also means that your rates may increase without you noticing. Roughly one month before your policy expires, you’ll receive a letter from your insurance company to discuss the renewal. It will include your new car insurance premium, a revised declaration page, and new insurance cards for your vehicle. If you ignore the letter and continue to make payments, your policy will automatically renew at the new premium rate on your renewal date. 

While there is no guarantee it will happen, your rates may increase at renewal. Insurance rates are calculated based on a multitude of factors, including your age, type of vehicle, and driving history. If you have filed any insurance claims or had a claim against you, been involved in an at-fault accident, received a driving ticket, or moved to a new zip code, then your auto insurance rates may increase. Additionally, if the market has changed in your area, like an increase in vehicle accidents or hail damage claims, that may lead to a change in your premium. 

If you decide to cancel your auto insurance policy, you’ll likely have the option to do it over the phone, or you may be required to send a letter to the provider stating your intention to cancel. If you decide to switch insurance providers, you’ll need to do so before your current policy expiring to avoid potential repercussions. At Commercial One Insurance Service in Burlingame, CA we can assist in shopping for auto insurance rates within your budget. Give us a call today to learn more.

Car accidents can be very stressful when you don’t know how to handle the situation. In the event of a car accident, there are critical steps you need to take to prevent further injuries and even save lives. When you do everything right, it will also make the claims process easier. If you’re looking for an auto insurance company serving Burlingame, CA, Commercial One Insurance Service can guide you through the types of auto policies available and ensure you make the right decision.

What To Do When You Have Been in a Car Accident

Try to remain calm, and ensure that your car is in a safe, well-lit place. It’s important to check whether any injuries are sustained depending on if you had a major or minor collision and take note of it. This ensures there aren’t any false claims being made later that could cost you. If anyone is hurt or the road is blocked due to the accident, call an ambulance and the police for help.

Do not take responsibility for the accident until you are completely sure of what happened. This ensures that your insurance protects you from liability costs if the fault wasn’t on your side. Don’t apologize; some drivers might take it as an admission of guilt and use it against you when claiming damages caused during the accident.

Exchange information

After everyone is safe, share your contact information and Insurance details with each other. Contact your insurance company immediately, and even if you don’t intend to make a claim, ensure your insurer is informed if the other driver decides to.

Getting in a car accident is very stressful, and unfortunately, an unavoidable and unseen occurrence that every motorist should be ready for. Ensure you note down as much as possible to the finest details. This helps with your insurance claim should you decide to make one.

While at the scene of the accident, don’t start engaging in a discussion of who is right or wrong. Share your insurance details and policy number with the other driver and ensure they do the same. Notify the insurance company soonest possible; the longer you wait, the more it becomes harder to claim.

Even if an auto insurance policy doesn’t guarantee safety on the road, knowing that your losses will be covered after an auto accident provides peace of mind. Contact Commercial One Insurance Service serving Burlingame, CA to get sound advice on the different types of auto insurance policies available and what they cover.

Suppose you have just moved to Burlingame, CA, and you’re looking for auto insurance to meet the state requirements. In that case, it is important to contact Commercial One Insurance Service, which is one of the leading insurance agencies in this region. Besides contacting a leading insurance company, it is necessary that you have a comprehensive understanding of the minimum car insurance coverage in California. 

Bodily Injury Liability

In California, the law requires all auto owners to carry bodily injury liability sufficient to cover $15,000 for every injured person. However, you can have a minimum cover of $30,000 to cover for two or more injured persons. It is also essential to highlight that the $30,000 will be the minimum requirement for any auto accident you are likely to be involved in. 

Property Damage Liability

Besides the bodily injury liability coverage, insurance laws in California require every person driving on the roads to have property damage liability for the possible damages to the properties through an accident. In this category, every motorist is required to have property damage liability coverage of not less than $5,000. 

Uninsured Motorist Coverage

The laws covering insurance policies for vehicles in California also provide for the necessary coverage of uninsured motorists and property damages. The requirements state that the coverage must be $15,000 per person for the uninsured motorist while uninsured property damages of not less than $3,000. 

Are You Looking for Auto Insurance in California?

As a new resident in Burlingame, CA, you might not have a comprehensive understanding of the complex auto insurance policies in this state. It will be necessary if you can work with one of the leading auto insurance agencies in California, Commercial One Insurance Service, for an auto insurance policy. Working with a company that is familiar with California insurance laws will eliminate the possible complexities that you’re likely to experience. 

If you are in the Burlingame, CA area, owning a car is going to practically be a necessity. If you are a vehicle owner in this area of the state, it will be a valuable asset that you will want to properly protect at all times. A great way to do this is by getting an auto insurance policy. There are several factors to think about when you are trying to determine what type of auto insurance to get.

Legal Requirements

One factor that you should think about when trying to pick a new auto insurance policy is what the legal requirements are. In California, all people that drive a car are going to be required by law to carry liability insurance. If you do not have this coverage, you could face penalization and will also have to come out of pocket to cover any damages that are caused in an accident. 

Coverage for Vehicle

While it is very important that you get the liability auto insurance that you need to stay in compliance with state law, you also need to ensure that you get the coverage needed to repair or replace your vehicle if necessary. If you have a car that costs a lot of money or have taken out a car loan, you should get a full policy that also has collision and comprehensive protection. 

If you are going to get auto insurance when you are in the Burlingame, CA area, you should speak with the team at Commercial One Insurance Service. The insurance team at Commercial One Insurance Service knows what types of auto insurance are available to you. They can then work with you to understand your needs to make sure that you choose a policy that is ideal for your situation. 

At Commercial One Insurance Service, we’re here to help our clients in Burlingame, CA meet their insurance needs. Many motorists can take advantage of specific discounts on auto insurance to bring down their premiums.

The following are three auto insurance discounts that you might want to take advantage of. 

Defensive driving class discount 

• You can reduce your auto insurance premiums by taking certain classes. In particular, you can take a defensive driving class through your state’s DMV or another organization.
• Your insurance provider will then give you a discount because you will be able to drive more safely and learn to avoid situations where accidents become more likely. 
• Not only can a defensive driving course lower your insurance premiums, but it can also boost your confidence and comfort out on the roads. 

Discount for the installation of anti-theft devices

If you invest in having certain anti-theft devices installed on your vehicle, you could qualify for specific discounts through your insurance company. This type of discount is possible if you have comprehensive insurance coverage that covers you for theft as well as collision damage. 

Some of the anti-theft devices that you can consider installing include passive disabling systems or hood-locks. 

Paperless billing discount

Many insurance companies prefer if you view your billing statement online rather than having a paper copy sent to you. This results in less effort and expense for your insurance provider. 

For this reason, a lot of auto insurance providers will offer you a discount if you agree to paperless billing. This saves you money and is better for the environment!

If you want to learn more about your auto insurance options in Burlingame, CA, let us know. We’re here to answer all your questions on the auto insurance policies we offer at Commercial One Insurance Service. 

No matter what type of car you drive, it is a valuable asset you need to take care of. The agents of Commercial One Insurance Service offer valuable advice to their clients who live in the Burlingame, CA area.

Park in a Well Lit Area or Where Security Cameras Are Present

Parking in a well-lit area means fewer shadows for a vandal to hide in. The brighter and more visible the area, the less risk you will have of being victimized. It also helps to keep you safer as well. Put a security light next to your driveway. It will keep the area well lit on nights you park outside.

Always Set Your Car Alarm

If your car has a built-in alarm system, always make sure to lock your doors and set the alarm before walking away. If you see someone trying to break into your vehicle, hit the panic button. That is why it’s there.

Use Valet Parking If It Is Offered

If you are attending a large event in an area you are unfamiliar with, use the valet parking. Your car will be parked in a secure area and under video surveillance. Spending a few extra dollars is well worth the peace of mind you will get knowing your car is safely parked in the garage.

The agents of Commercial One Insurance Service provide their clients with useful tips to keep their vehicles safe whether they are at home or away. Contact an agent to check on your current policy or see about purchasing a new one. Visit our office in Burlingame, CA or make the call. You will get the info you need and the peace of mind you deserve.