Auto Insurance
California Car Insurance
All the insurance companies we represent offer a broad selection of auto insurance options at competitive rates. Your costs can decrease even more if you qualify for any of our available discounts. When you’re applying for auto insurance in Fresno, California, you’ll have choices like selecting collision and/or comprehensive coverage, setting your preferred deductible, choosing liability limits, and adding optional coverages if desired. Our team can guide you in understanding these options and finding the right level of coverage for your needs.
Why do you need California Commercial Auto Insurance?
If you use an auto for tasks related to your occupation, profession, or business (other than commuting), you generally need a commercial policy.
Why do you need California Commercial Auto Insurance?
Commercial auto insurance offers similar coverages to your personal auto policy, such as liability, collision, comprehensive, medical payments (or personal injury protection), and uninsured motorists coverage for California businesses. However, key differences may include eligibility, definitions, coverages, exclusions, and limits between a commercial auto insurance policy and your personal auto policy.
Auto Insurance Coverage options in California:
Collision and comprehensive (other than collision) coverages
Collision and comprehensive coverages help cover repair costs for damage to your vehicle. You can choose to purchase one or both of these for each vehicle you own, though if you have an auto loan, your lender may require both. Collision coverage covers damage resulting from accidents, while comprehensive coverage protects against non-collision damage, such as fire, theft, flood, or vandalism
All the insurance companies we represent offer to bring you a broad selection of auto insurance options at competitive rates. You may also qualify for discounts that can further reduce your premium. When applying for auto insurance in Fresno, California, you’ll typically decide on options like collision and/or comprehensive coverage, your preferred deductible, liability limits, and any additional coverage you might want. Our team is here to help clarify these choices and guide you in selecting the right level of coverage for your needs.
Liability coverage
Liability coverage pays for injuries you cause to others and damage to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, regardless of fault. If you and your passengers have health insurance, you may not need this coverage.
Personal Injury Protection
Some states require personal injury protection, also known as no-fault coverage. This coverage pays for medical and rehabilitative expenses, replacement services, and funeral expenses. It also compensates for loss of income if an auto accident injury prevents you from working.
Uninsured/Underinsured Motorist coverage
This coverage compensates if an uninsured person injures you or if someone with insufficient liability insurance causes your injuries. It also covers you in the event of an accident with a hit-and-run driver.
Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are mandatory.
How much do I need?
Choosing the appropriate level of auto insurance coverage depends on several factors, including the assets you need to protect (liability coverage), the value of your vehicle (collision and comprehensive), the amount you can afford to pay out-of-pocket (deductibles), and your risk tolerance.
Our professional auto insurance agents in Fresno, California, including the Fresno County, Kern County, Kings County, Madera County, and Tulare County areas, can assist you in finding the right car insurance for your needs.
