Since 1972, California Southwestern Insurance Agency has been serving Northern and Southern California communities providing insurance and risk management for your business and family. Our agency has a strong presence in the Manufactured Housing Industry, and has become one of the leading experts in this industry. We remain focused on the specific needs that are unique Manufactured Housing Communities, and the changing California landscape. We are licensed in many states to accommodate the insurance needs of our multi-state clientele.
CSIA has been protecting our clients vehicles for over 45 years.
Customers told us the things they disliked about Insurance and we listened
Our goal is to provide you with the best coverage at the most competitive price
Safeguard your Auto with Simple. Smart. Insurance options.
Because we are an independent insurance agent, we represent a variety of auto insurance companies. We help you find the most suitable policy for your unique needs. And with one phone call, you’ll end up receiving several quotes from top rated insurance companies.
As an insurance broker we’re here to save you time and money. Just fill out the form below and we’ll start working on your policy quote.
Below are Definitions of Various Coverage Options for Your Auto Insurance Policy.
Information that helps you plan, prepare and protect.
If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income.
If you're at fault in a car accident that injures someone, bodily injury liability coverage pays for their medical expenses and lost wages that are a result of their injuries. It's one of two types of liability insurance.
If you cause an accident, this coverage helps pay for damages to another’s person’s vehicle or property.
It helps pay to repair damage you cause to another person's vehicle or property. ... It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front.
Learn about PIP coverage and how it may keep you covered in the event of an accident. Personal injury protection (PIP), also known as no-fault insurance, helps cover expenses like medical bills, lost wages or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state.
What Does Personal Injury Protection Car Insurance Cover?
If you’re in an auto accident, your PIP insurance can help cover medical expenses for you and your injured passengers. And it doesn’t matter who is at fault for the accident.
This car insurance coverage applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, your PIP coverage may help pay for your injuries.
Uninsured motorist insurance protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance.
Underinsured motorist coverage steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the medical expenses of any injured people. The at-fault driver's insurance will typically pay for all damages up to his or her auto insurance policy limits, then your underinsured motorist coverage may cover the excess amount up to the limits you select.
Simple. Smart. Insurance protecting what matters
Hopefully you will never need to use this insurance, but in most states it is required by law. Let’s say you are in a crash and injure another person. Maybe it’s a serious injury, and they need surgery or other medical care. This can end up costing a lot of money. In this case, liability insurance covers the costs.
What happens if a rock hits your windshield or your car gets stolen. In this scenario, comprehensive insurance would cover the damages or estimated cost of the car.
If you crash into a wall, fence, or another car, the coverage you need is collision.
It might seem logical that collision would cover this, but actually, many insurance place this under comprehensive coverage.
Gap Insurance – or loan/lease insurance can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Car insurance doesn’t have to be complicated. Give our office a call and see what your budget can handle.
You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.
Minimum Liability coverage – pays for losses or injuries you cause others.
As of 2021, State Minimum Auto Coverage liability limits are set at:
While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.
Have any Questions? Ask us anything, we’d love to answer!
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