The Best Auto Insurance in Temecula

Learn more about coverage options and available discounts for auto insurance in Temecula and throughout California.  Call Craig Davis Family Insurance and get a no-obligation quote today.

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Your Temecula Car Insurance Specialists

You may be practical when selecting cars— a roomy hatchback or minivan is the perfect fit. Possibly you favor the rugged look of an SUV, or like to treat yourself with a convertible or luxury sedan. It’s possible you are a car collector and also own a classic muscle sedan or vintage sports car for weekend drives.

Common Car Insurance Coverages and Questions

It can be challenging to shop for insurance near your place if you are not sure what are the different kinds of auto insurance available in the market. It’s just like shopping for life insurance products or home insurance either for the homeowner or renter.

But it all comes down to the most important question: Are you sufficiently protected? Does it cover bodily injury liability? How thorough is the comprehensive coverage of the auto insurer?

The right California car insurance policy will properly protect you from financial loss. If your car is damaged or destroyed by an accident, fire, theft, or other events, the right policy will also help you get back on the road quickly. The proper automobile liability insurance policy can be the difference between a minor inconvenience and a major hassle.

Auto Insurance in Temecula:  Insurance Terms to Know

Whether you already know what type of auto insurance you need, want to find cheap car insurance, or simply just need information, this quick overview of insurance terms from the licensed Temecula car insurance agents at Craig Davis Family Insurance will help.

  • Liability

    • With a property damage liability, it can cover the cost of injury to others and damage to their property when you’re at fault
    • Required by law in nearly all states
  • Collision

    • Pays to repair or replace your own vehicle when you’re at fault in Temecula
    • Your auto insurance covers collisions with other vehicles, objects and animals
  • Comprehensive

    • With comprehensive coverage in Temecula there are insurances that can cover damage to your car caused by environmental things besides a collision
    • This could be calamities, hail, or wind. It could also include theft, fire, vandalism, animal damage, and more
  • Uninsured / Underinsured Motorist

    • This type of insurance will cover your losses caused by uninsured or underinsured Temecula drivers
    • Helps pay for damage to your car and bodily injury to you and your passengers
  • Medical Payments

    • With financial services to help with the cost of medical care for you and your passengers resulting from injuries in an accident
    • insurance like this provides coverage, no matter who’s at fault
  • Personal Injury Protection (PIP)

    • A PIP-type of insurance helps cover the cost of your rehabilitation and lost wages resulting from an accident on the road
    • It also covers you no matter who’s at fault
  • Towing and roadside service

    • If ever your car gets disabled, there’s also insurance that provides 24/7 roadside assistance
    • This kind of insurance can help pay for towing, tire changing, locksmith service, and jumpstarts
  • Rental Car Reimbursement

    • This insurance covers the cost of renting a car for up to 30 days while yours is being repaired
    • Arrangements and billing can be handled by your trusted insurance providers in Temecula
  • Rideshare

    • Auto insurance could also help protect drivers for rideshare companies like Uber and Lyft
    • Provides coverage during periods not covered by company or personal insurance
  • Loss of Use

    • Similar to a rental car reimbursement, this one provides a flat sum for transportation while your car is repaired
    • In this case, the cost that will be reimbursed is from public transit, rentals, taxis, and rideshare services
  • Guaranteed Value™

    • Guaranteed value insurance pays you a defined, agreed-upon value if your car is a total loss
    • This is a popular option for owners of classic and collector cars
  • Customized Equipment

    • If you have a stylish driving profile, you will want to have insurance that covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels
    • This can be available on any vehicle with collision and comprehensive coverage
  • Personal Umbrella

    • Provides additional liability coverage — above the limits on your auto policy
    • Helps protect your assets from lawsuits
  • Glass Deductible Buyback

    • Insurance that covers windshield & glass repair and replacement
    • But with this type, there’s a low $100 deductible: the portion you pay yourself
  • Full Windshield and Glass Coverage

    • This insurance coverage offers a $0 deductible on glass repair and replacement
    • Pay nothing out of pocket
  • Spare Parts Coverage

    • Covers the cost to replace spare parts you keep on hand, up to $750
    • Popular choice for owners of classic and collector cars
  • Original Equipment Manufacturer (OEM)

    • It covers the cost of using factory-original parts in covered repairs
    • OEM coverage is available on cars that are up to 10 years old
  • New Car Replacement Coverage

    • There is also an insurance that covers the cost to replace your car with a new one of the same make and model
    • Available when your car is totaled within the first two model years and 24,000 miles
  • Accident Forgiveness

    • Craig Davis will forgive one at-fault accident for every three years you drive without one
    • Your driving history should keep your premium from going up because of just one accident

Another insurance type you may have heard about is Gap Insurance. This is not an auto coverage that is offered by Farmers — in fact, it is most often sold during the purchase process of a vehicle at the dealers. What gap insurance covers is helps you with the costs of your vehicle in the event of a total loss. Gap insurance covers the difference between the amount you owe on your car and its value. This insurance is worth considering when you borrow more than a car is worth.

What is the Minimum Auto Insurance Coverage Required in California?

Liability auto insurance is the minimum coverage required by law in California and it covers damage or injury you cause others while driving your car.  This includes damage that you might cause to another person’s car or property.

Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle, not to mention any legal action that may come as a result of you not having the required auto liability insurance. There is affordable auto insurance that offers the required minimum coverage.   Our licensed insurance agents can assist you with no-obligation car insurance quotes.

The minimum required auto coverage amounts for California are listed below. However, it is important to note that these are only the minimums and may not be the amounts you personally require. As your local Farmers agents, we can assist you in selecting the coverage that best suits your needs.

Bodily injury $15,000 per person; $30,000 per accident
Property damage $5,000 per accident
Uninsured motorist bodily injury $15,000 per person; $30,000 per accident
Uninsured motorist property damage $3,500 per accident

Looking for Cheap Car Insurance in Temecula or the Surrounding Areas?

While it’s common for consumers to want the cheapest car insurance possible, it is important to remember that minimal coverage may leave you under-insured and at risk in the event of an accident where you are found to be at fault. As your trusted car insurance partner, we can assist you with insurance quotes in Temecula or wherever you reside in California.

We’re here to provide you with affordable options so that you can select the coverage that best fits your needs and budget. Just give us a call at (951) 699-1776 and we’ll provide you with the best auto insurance coverage plan that suits your needs.

Factors that Can Affect Your Car Insurance Premiums in California

The cost of car insurance in Temecula can vary depending on a number of factors, including:

  • Your age: Younger drivers typically pay more for car insurance than older drivers.
  • Your driving record: Drivers with a clean driving record typically pay less for car insurance than drivers with a history of accidents or traffic violations.
  • The type of car you drive: The value of your car and the safety features it has can affect the cost of your car insurance.
  • Your location: The cost of car insurance can also vary depending on the city or county you live in.
  • Your insurance company: Different insurance companies have different rates. It is important to shop around and compare quotes and rates before you buy a policy.

If you are looking for ways to lower your car insurance costs, there are a few things you can do:

  • Increase your deductibles: This will lower your monthly auto insurance premiums, but it will also mean that you will have to pay more out of pocket if you have an accident.
  • Bundle your home and auto insurance: Bundling up can actually save you money on both policies.
  • Talk with our licensed auto insurance agents in Temecula:  We’ll search for discounts that may be available to you.

How to Get a Quote for the Best Car Insurance Rates

Getting a quote from your local insurance agent is quick and easy. All you need to do is do in-depth research and find the best auto insurance rates in your area that are cheaper than the statewide, yet at the same time cover your needs. This can be done by finding a local insurance agent first and can discuss all options and potential discounts, so you can choose the coverage you want.
You can also make the quoting process go even more smoothly if you have these information:

You can make the quoting process go even more smoothly if you have the following information:

  • License plate number

  • Driver’s license number
  • Vehicle identification number (VIN)
  • Odometer reading
  • Purchase date
  • Current insurance information

As your local insurance agent, we can discuss all options and potential discounts so you can choose the coverage you want.

California Auto Insurance Costs & Discounts

California auto insurance discounts

Craig Davis Family Insurance is a licensed insurance agency that provides value in each policy. Aside from providing excellent customer service, you may also qualify for extra savings when you partner with us. We offer many discounts for our California and Temecula auto insurance customers. For instance:

  • Multi-vehicle

  • Multi-policy

  • California Driver Discount

Call Craig Davis Family Insurance for Your Temecula Auto Insurance Needs!

California auto insurance discounts

Our Temecula car insurance agents can help you with auto insurance throughout California! Just give us a call today at (951) 699-1776 and we’ll provide you with the best auto insurance coverage plan that suits your needs, exceptional customer service plus you get to know what discounts you qualify for. Call us now!