Auto Insurance
Auto Insurance
Finding the right auto insurance company and getting the best price can be a tedious task. At Express Service Insurance, we find you the best price without waisting your time. We make sure you are properly covering yourself for auto insurance. As our client, you will get the highest level of customer service with personal consultation and support from our agents. All of the auto insurance companies we represent have excellent levels of claims service and financial stability.
Insurance companies we represent:
Auto insurance is a necessary insurance to financially cover the costs of an auto accident. It protects passengers, other drivers, pedestrians, property of others and your car. Don’t forget coverage related to a lawsuit arising from an auto accident. Give us a call for a free quote. Its always a good idea to have your current insurance paperwork in hand to reference current insurance limits.
Available Discounts that will help you save more
Mercury's rates are already among the lowest in the industry, but that's only the beginning. You can save even more with the many discounts available:
- Good-Driver Discount (1 point or less on your driving record)
- Multi-Car Discount (one or more vehicles insured with the same company)
- College Graduate Discount
- Engineer or Science degree from a 4 year university or higher level of learning.
- Anti-Theft Device Discount
- Good Student Discount (3.0 G.P.A or higher at a full time high-school or university)
- Multi-Policy Discount (auto + home discount)
Auto Insurance Lingo
- Liability: Required insurance coverage in order to drive in the state of California. Your insurance company pays for the damage caused to others if you are at fault in an accident, including the services of an attorney to defend you if you are sued after an accident. Bodily injury liability that covers the medical bills of the person that you hurt in an at-fault auto accident. Property damage liability covers the property you damage during an accident. Example, damage to another vehicle that you were found at fault for.
- Uninsured/Under insured Motorist: This coverage pays for bodily injury to you and other drivers or passengers of your insured vehicle for accidents caused by uninsured/underinsured drivers. Uninsured drivers are driver that have no insurance. Underinsured drivers that have low liability insurance limits that don't fully cover your medical bills or your auto repair costs.
- Collision: Covers damage to your vehicle incurred as a result of a covered accident, regardless of fault in the collision. A deductible will be deducted from the total insurance payout of a collision claim. Example, you are at-fault in an auto accident and there is damage to your vehicle.
- Comprehensive: Protects you in the event your vehicle is damaged due to theft, vandalism, flood or other covered perils. A deductible will be deducted from the total insurance payout of a comprehensive claim. Example, your car is stolen while parked on the street.
- Medical Payments: covers you and your passengers when you are injured, no matter who was at fault in the accident.This coverage pays for the upfront medical costs that you may incur when seeking medical attention following an automobile accident. Without medical expense coverage, bodily injury claims are not paid out until all services are rendered. Example, Its been two months into chiropractic therapy and your already receiving bills from your doctor.
- Rental Reimbursement: This coverage pays for the daily expense of renting a vehicle while your car is in the shop following an auto collision. Rental reimbursement insurance has various options on the daily car rental price. You are able to use any car rental agency of your choosing. There is usually a limit of 30 days of coverage for rental reimbursement.
- $20 a day/30 days
- $30 a day/30 days
- $40 a day/30 days
- $50 a day/30 days
- Loan/Lease gap coverage: If your vehicle is in a total loss accident, it is the difference between your deductible and the total loss payout for the covered auto accident.
- Towing and Roadside Assistance coverage: Covers the cost of Towing and Labor when needed. When your car breaks down and you need to get it towed to an auto mechanic's shop or if you just lock yourself out of your car.