Car Insurance

What coverages do I have?  What coverages do I need?  What do the liability limits mean?  How do they work?  Are others covered when driving my auto? 

So many basic questions, but many people don’t quite fully understand the meaning and implications of not having adequate coverage.  You look at 15/30/5 on your insurance limits, but what do each of those numbers really indicate?  Sure, they meet the State of California minimum requirements, but are you really protected?  In most cases, probably not.

Contact us today for a complimentary review and quote.  Helpful information to have available:

  • Full Name, Date of Birth, and Drivers License Number for each driver in the home
  • Vehicle Identification Number(s), Odometer readings, and date auto(s) were purchased
  • School transcripts for student driver discounts if applicable

Request a Quote

Car Insurance Benefits

We’ll make sure you’re covered!

Liability Insurance

Auto liability insurance covers the damage to other vehicles and injuries to other people that result from an accident caused by the insured individual.

Medical Payments

Medical payments coverage can help pay for medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it’s an optional addition to your car insurance policy.

Towing and Roadside Service

24/7 access to emergency roadside assistance or towing services.  No need to know what a lug wrench is.

Rental Reimbursement

Rental reimbursement (or rental car coverage) is a type of optional car insurance coverage that helps pay for the cost of a rental car while your vehicle is being repaired after an accident or after suffering damages that are covered through your car insurance policy.


Covers the costs associated with repairs to your vehicle resulting from a crash with another vehicle.  If you are leasing your vehicle (or have an outstanding loan) this type of coverage is typically required.


Comprehensive coverage pays to repair or replace a covered vehicle that’s stolen or damaged by something other than collision or rolling over. For example, damage caused by fire, wind, hail, flood, theft, vandalism, or hitting an animal would be covered.