Auto Insurance for California Cars & Trucks

We are an  independent, full service insurance agency working hard to provide low rates and great service to California automobile owners. Because we are an “independent” agency we work with many car insurance companies to find the very best coverage and rates for your California autos, cars, and trucks. 

Free Auto Insurance Quotes

Here are the ways to get a free auto truck van or SUV insurance quote from us:

1. Call us at (800) 808-2695 and get an instant quote over the phone from one of our friendly representatives.  We always prefer to take our time to talk to you personally.  This is our responsibility to you, and if we are going to be your agent, we should do the work.
   

2. Quick Quote Request – Simply supply the requested information.  After shopping for the best rates and coverage, we will quickly send a quote via email, phone, or fax.
   

    

   We represent most of the top-rated automobile insurance companies licensed in California.  We will help you find great insurance coverage for your car, truck, home, boat, auto, or motorcycle at the lowest rates possible.

    

   "We are committed to providing you with SUPERIOR service and protection at affordable rates.  We make YOU our priority."

    

   • How to contact us

    

   	Toll Free (800)-808-2695
   	Electronic mail for  Sales - Service sales-service@allaccess-insurance.com

        Low rates, and great service for  your California autos trucks cars and motorcycles
    

   
   

   More Information about Auto Insurance

   California 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's.  If you're financing a car, your lender may also have requirements.
   
   Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

    

   You must have auto insurance to drive

   Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase at least the state minimum amount of insurance. But insurance exists to protect your assets. Trying to see how little you can get by with can be very shortsighted and dangerous.
   
   If you've financed your car, your lender may require comprehensive and collision insurance as part of the loan agreement.

    

   What to expect in your auto policy:

   Your auto policy may include six coverage's. Each coverage is priced separately.

    

   1. Bodily Injury Liability

   This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

    

   It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

    

   2. Medical Payments or Personal Injury Protection (PIP)
   This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

    

   3. Property Damage Liability

   This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

    

   4. Collision
   This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company. If they are successful, you'll also be reimbursed for the deductible.

    

   5. Comprehensive
   This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

   
   Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

   
   Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

   
   States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.

    

   6. Uninsured and Underinsured Motorist Coverage

   This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

   
   Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

    

   

    

   Low rates, and great service for autos, trucks, businesses, health, boats, cars, and motorcycle insurance.  Serving all of California