Auto Insurance

We offer multiples lines of coverage and solutions for your auto insurance. Good driving record? Bad driving record? We can help customize your auto insurance policy to fit your needs.

You Save Tons of Money & Get the Best Coverage!

In the State of California, the minimum limits for auto insurance are as follows:
$15,000 per person for bodily injury/$30,000 per occurrence/$5,000 property damage

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides coverage for injury, property inside your vehicle, medical payments, and covers damage to the vehicle.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Property coverage pays for damage to owned property. Owned property encompasses items such as garage doors (every accidentally think your vehicle is in Drive when it’s in Reverse? Yeah, it happens). It also covers owned property such as fences, light poles, and items inside the vehicle.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.


Damage to the Vehicle

There’s two types of ways your vehicle can be damaged. The first is through a collision. This is self-explanatory as a collision is an accident. No need to extrapolate further. The second type of damage your vehicle can encounter is referred to as a comprehensive loss, also sometimes referred to as “other than collision.” Here is a an example of a comprehensive loss:


A bit extreme, but a tree branch falling on your car falls within the realm of a comprehensive loss. Any damage your vehicle sustains that isn’t a collision with another vehicle, or with a pole, will be deemed a comprehensive loss. Driving down a windy road at night and hit a deer? Also, a comprehensive loss.For more information on the difference between comprehensive losses and collision related losses, ask your agent.

Questions to ask your agent

  • Your Independent Agent is your advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible. This also means you would be willing to pay more for repairs.)
  • How reputable is the insurance carrier you are being quoted with?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)