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Auto Insurance - Car Insurance With a Personal Touch

Mission Viejo, Lake Forest, Laguna Hills, Aliso Viejo, Foothill Ranch, Rancho Santa Margarita, Laguna Niguel, San Juan Capistrano, Laguna Beach, Irvine, San Clemente and Orange County, California


What Our Customers Are Saying:
"I called Metro Coast Insurance to add my fourth vehicle to my policy and was worried about the additional costs. Shelby took the time to figure out that if I added renters insurance to my policy I would save money. She saved me enough money to actually pay for the renters insurance and still lower my auto insurance rate. The agents at Metro Coast Insurance are great! They really have your best interest in mind. They have a lifetime customer in me. Thanks Metro Coast!" Michelle .S., Laguna Hills, CA View more testimonials

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What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. California requires you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail or email when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy such as including policies for home, motorcycle, earthquake, renters, even business policies. As well as student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Check out our 3 minute video from Chubb on how Auto Insurance works.



Thank you for your interest in
Metro Coast Insurance Services, Inc.

Ready to begin your auto insurance quote?
 
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If you would like to speak with one of our insurance professionals you can contact us via
email or call 949-238-6399. Our agents are ready to provide honest and fair policy and pricing options.





 
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