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Auto Insurance

WHEN YOU’RE IN THE CAR, WE’VE GOT YOU COVERED.

When shopping for auto insurance, we know the two things that you want: the right value and the right coverage.  And that’s why it can be nice to have a local, licensed agent to help you choose the coverages that are right for you and eliminate the coverages that you don’t need so that you get the right price without anything missing that needs to be there when you need your insurance to take care of you.

Getting the right car insurance starts with knowing your state insurance requirements. In California, you’re legally required to have the car insurance coverage at the levels listed in the chart below. Once you’re familiar with the basics, take a look at the common coverage levels of policyholders in California. It’s a great way to get a sense of what others are choosing in your area.

At Petri Insurance, we will help you understand the different coverage types that are right for you.  Then you can decide which limits and deductibles best fit your needs.  Most people tell us that having someone there to discuss your options and help you find ways to save on your premiums is the number one thing that appealed to them when shopping for the right insurance.  The second most appealing thing they tell us is how much they appreciate having someone to walk them through the claims process when things have not gone according to plan.

LEARN MORE ABOUT THE FOLLOWING COVERAGE TYPES:

COLLISION

Covers expenses related to the damage or destruction of your vehicle that’s been in an accident.

COMPREHENSIVE

Covers expenses related to the damage or destruction of your vehicle in situations like thefts or storms.

LIABILITY

When an accident is your fault, bodily injury liability covers expenses related to the injury or death of another driver or a pedestrian, and property damage liability covers expenses related to the damage of another person’s property-like vehicles, homes, buildings and other structures.

MEDICAL PAYMENTS

If you and/or your passengers are hurt in an accident, this can help cover your medical or funeral expenses.

PERSONAL INJURY PROTECTION

If you and/or your passengers are hurt in an accident, this can help cover medical expenses plus related expenses like income continuation.

UNINSURED & UNDERINSURED MOTORIST

Covers medical expenses and/or repair bills if you’re in an accident, the other driver is at fault and doesn’t have any (or doesn’t have enough) insurance.

PERSONAL UMBRELLA POLICY

Offers protection against liability claims or judgments, kicking in when your auto insurance liability limits have already been reached.

RENTAL REIMBURSEMENT

Helps cover the cost of renting a car if your vehicle is in the shop because of an accident covered under your policy.

SOUND SYSTEM

Covers the cost of replacing stolen or damaged audio and/or video equipment.

TOWING & LABOR

Covers the cost of common roadside services like tire changes and jump-starts.

NEED RIDESHARE COVERAGE?  WE’VE GOT YOU COVERED!

Do you drive for Uber, Lyft, Sidecar, etc.?

Many auto insurance policies specifically deny coverage when you are driving others for

profit. We have taken the initiative to offer YOU the additional Rideshare coverages you need to protect yourself, and keep your policies valid with the Rideshare company that you represent.






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