Auto Insurance

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote

Auto Insurance Information

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote

Auto Insurance Information

Anytime you get behind the steering wheel, you need protection. Besides practicing safe driving techniques, the best defense is auto insurance coverage for any accident or other covered loss that can happen the second you start your vehicle.

California ranks second among the states with the most fatal car accidents. The leading cause of accidents is distracted driving and texting or talking while driving. Churchill Insurance has insured Californians for decades, and we can help you with coverage that protects you and your vehicle financially.

What Is Auto Insurance?
Auto insurance is a contract between you and your insurer in which you pay a premium for policy coverage. If you have auto insurance and experience a covered event, your auto insurance may help cover the costs. Churchill Insurance can help you explore the types of auto insurance and help you find the coverage that’s right for you.

What Are the Types of Auto Insurance?
There are various types of auto insurance that drivers choose. Some of these coverages include the following:

Collision insurance may cover damage to your vehicle sustained in an accident or collision with an object.

Comprehensive insurance may pay for nonaccident damage, such as weather damage, fires, theft, vandalism or other incidents.

Liability insurance might help pay for damage to others who weren’t in your vehicle if an accident was your fault.

Bodily injury liability coverage may pay for third-party medical bills and sometimes for death benefits.

Property damage liability coverage may pay for damage to the other person’s property.

Medical payments coverage may pay for your medical bills if you have an injury from an accident, regardless of who is at fault.

Uninsured/underinsured motorist insurance might help cover damages if someone who doesn’t have appropriate liability coverage caused your accident.

There may be additional coverages that fit your needs. Churchill Insurance is here to help you navigate your auto insurance needs and find the right coverage.

Do I Need Auto Insurance?
Fixing or replacing your vehicle if it’s damaged in a collision or other incident can be costly. In addition, if you or your passengers are injured, medical costs can be expensive. You may even face a lawsuit if you or your vehicle caused damage or a third-party injury. These situations could be financially devastating, and auto insurance can give you a needed layer of economic protection.

What’s more, California is an at-fault state, meaning if you cause the accident, you’re liable for paying the costs of potential injuries and property damage sustained by others. California requires certain liability coverage limits, including bodily injury, property damage and uninsured motorist bodily injury coverage. We can help ensure that you have the coverage to meet California’s requirements.

How Does Auto Insurance Work?
When you purchase an auto insurance policy, you enter into a contract with the insurer. In exchange for a premium payment, your insurer agrees to provide agreed-upon coverages up to your chosen policy limit. If you experience a covered loss or need to file a claim, you typically will call your insurer to begin the claims filing process. Every insurer is different and claims processes vary. Call Churchill Insurance today to learn more about how our claims filing process works.

How Does My Driving Record Impact My Insurance Rates?

Your driving record significantly impacts your insurance rates. A record free from moving violations and at-fault accidents can trigger lower premiums. Insurers view your driving history as an indicator of risk, so safer drivers typically get lower rates.

What Is the Difference Between Comprehensive and Collision Coverage?

Comprehensive coverage can help provide financial protection against non-collision-related incidents like theft, vandalism or natural disasters. Collision coverage, on the other hand, can help pay for damage to your car resulting from accidents with other vehicles or objects.

Does My Car Insurance Cover Other Drivers?

Yes, your car insurance typically covers other drivers if they have your permission to use the vehicle. However, coverage details can vary, so it's important to check your specific policy to understand any limitations or exclusions.

How Much Does Auto Insurance Cost?

Your car insurance premiums depend on many factors about you, your driving record, your vehicle and your chosen coverage. The Churchill team of experienced agents can help tailor auto insurance coverage to meet your needs. We specialize in finding the best combination of value and price. Contact us today for an auto insurance quote.

Where to Get Car Insurance

California drivers have numerous options for buying car insurance. Working with experienced agents, like those at Churchill Insurance, can help you get appropriate auto insurance coverage from a reputable California insurer at favorable rates.

Needed Protection Behind the Wheel
For more than 65 years, Churchill Insurance has been insuring drivers in California. We can help you explore auto insurance that gives you the best protection and meets the state’s requirements. Call us at 530-842-3578.