Get an insurance quote

Online Quick Quote

DMV Fee Lookup

Find out whats due and pay online

866-722-6060

Mon~Sat 9am-6pm

Live Chat

Mon~Sat 9am-6pm
anonymously and no app required

866-722-6060

Mon-Sat 9am-6pm PST

Auto Insurance

Auto Insurance Customer Service Options

Our agents are knowledgeable and train frequently to serve you as efficiently as possible. Your needs are important to us and we understand how to take care of them. Please Call us, we can help you over the phone at 866-722-6060.

 

Auto Insurance Information

What is auto insurance?
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 property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Why do you need auto insurance?

It’s the law, but It’s really more about protecting yourself financially.

  • If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage by law.

Questions to ask your agent

Your Independent Agent is an 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 and be willing to pay more for repairs.)
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple car, 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.)