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Auto Insurance Broker | CSIA Insurance

Take the worry out of your auto insurance

Peace of Mind

CSIA has been protecting our clients vehicles for over 45 years.

Simple. Smart. Auto Insurance

Customers told us the things they disliked about Insurance and we listened

Tailored Coverage

Our goal is to provide you with the best coverage at the most competitive price

Protect Your Ride

Safeguard your Auto with Simple. Smart. Insurance options.

How an Auto Insurance Broker Can Help You

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.

Types of Auto
Insurance coverage

Information that helps you plan, prepare and protect.

Bodily injury liability

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.

Property damage liability

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.

Personal injury protection

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.

Medical Expenses

On top of covering medical bills for you and your passengers after a car accident, PIP coverage may even help cover your health insurance deductible.

Work Loss

Personal Injury Protection DefinitionIf you’re injured in an accident and have lost wages because you’re out of work, your PIP coverage can help. This benefit can also apply if you’re self-employed and need to hire temporary workers to perform tasks.

Funeral Expenses

Your PIP coverage can help pay for funeral, burial or cremation expenses after a car accident.

Survivors’ Loss

If you pass away in an auto accident, your PIP insurance can help replace your lost income for your surviving dependents.

Essential Services

Your PIP insurance can also help pay for services that you’d normally perform if you weren’t injured, like childcare and house cleaning.

What Is Not Covered by PIP Insurance?

Your personal injury protection insurance won’t help cover:
- Property damage
- The other drivers’ injuries in a collision
- Any injuries from an accident while you were committing a crime, like fleeing the police
- Injuries in an accident while you received payment for driving


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.

    Do You Have Coverage In Place Now?

    What happens if...

    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.

    Various States Minimum Auto Insurance

    Minimum Liability coverage – pays for losses or injuries you cause others.

    As of 2021,  State Minimum Auto Coverage liability limits are set at:

    • Bodily injury liability coverage in CA
      • $15,000 per person / $30,000 per accident minimum
    • Property damage liability coverage
      • Minimum $5,000 
    • Uninsured motorist bodily injury coverage in CA
      • $15,000 minimum per person / $30,000 per accident 
    • Uninsured motorist property damage coverage
      • $3,500 minimum

    While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.

    • Bodily injury liability coverage: 
      • $25,000 Minimum per person / $50,000 per accident
    • Property damage liability coverage: 
      • $15,000 Minimum 
    • Uninsured motorist bodily injury coverage: 
      • $25,000 Minimum per person / $50,000 per accident
    • Underinsured motorist bodily injury coverage: 
      • $25,000 Minimum per person / $50,000 per accident
    While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.
    • Bodily injury liability coverage
      • $25,000 Minimum per person and $50,000 per accident
    • Property damage liability coverage
      • $50,000
    • Uninsured motorist coverage: $25,000 per person and $50,000 per accident
    • Bodily injury: 
      • $25,000 Minimum per person and $50,000 per accident
    • Property damage: 
      • $20,000 Minimum per accident
    • Personal injury protection: 
      • $15,000 Minimum per person
    • Uninsured motorist coverage bodily injury: 
      • $25,000 Minimum per person and $50,000 per accident

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