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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 coverages. 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 really all 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.

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 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.)
   
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Chula Vista Insurance
1295 Broadway
Chula Vista, CA 91911
619.425.9696
Escondido Insurance
1301 E. Valley Parkway
Escondido, CA 92027
760-743-2222
Escondido Insurance
608-B Escondido Blvd.
Escondido, CA 92025
760-546-6666
Fallbrook Insurance
1368 South Mission Road
Fallbrook, CA 92028
760-731-1212
National City Insurance
3007 Highland Avenue
National City, CA 91950
619-336-1111
San Diego Insurance
3562 National Avenue
San Diego, CA 92113
619-696-9696
So. San Diego Insurance
2935 Coronado Avenue
So. San Diego, CA 92154
619-429-1333
San Ysidro Insurance
165 West San Ysidro Blvd
San Ysidro, CA 92173
619-271-9999
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