Auto Insurance For Southern California
No matter what area of Southern California you live in, if you drive a car, you absolutely need car insurance coverage to help protect you and your family. Not only is car insurance a necessity but it is also required by state law.
At Cullen Insurance Agency, we offer an assortment of different car insurance packages; each one is custom designed to fit all unique types of drivers. So you don’t have to worry, we have a package that is the perfect fit to your car insurance needs.
Not only are we able to offer coverage services that are molded to fit your individual needs, we also provide these services at competitive rates to provide you not only with excellent protection, but also value. We believe in offering our customers quality protection with reasonable prices. We also offer additional discounts to safe drivers, good students, multiple policies, and much more!
How Car Insurance Works
Car insurance is a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay your losses if you are involved in a car accident.
When you buy car insurance, your insurance agent will ask some pretty basic questions about you and your car and give you some coverage options. The price of the policy is impacted by your answers. Generally, more coverage means a higher price.
If you are in an accident and cause damages or injuries, you file a claim with your insurance company. If it's covered by your policy, your insurance company will then pay for the damages or losses up to certain limits.
Why is car insurance important?
When you are on the road, you need to prepare for the unexpected. Your vehicle is a costly investment – one exposed to many potential losses. Car insurance helps you protect against financial losses if you have a car accident. Here are some important reasons you need car insurance
It’s the Law
California law requires drivers to have minimum bodily injury liability coverage as well as property damage liability insurance. Driving without insurance is illegal.
Pay Now, Save Later
Car insurance protects protect you from liability if you cause an accident resulting in vehicle damage or injuries other drivers, passengers or pedestrians
Your agent will handle all the details of your claim and may recommend repair shops.
Supplements Your health insurance
If you are injured in an accident, car insurance (personal injury coverage) can help pay for things your health insurance doesn’t.
Peace of Mind
You can feel confident every time you are on the road knowing you are protected if an unavoidable car accident occurs.
Accidents happen so it’s reassuring to know your finances are protected if you are involved in one.
What Does Car Insurance Cover?
Car insurance is made up of several types of coverage and they are all important to consider. Under California law, you need minimum bodily injury liability and property damage liability coverage.
Bodily injury liability insurance protects you if you're found at fault for injuring someone in an accident. It can help cover emergency aid at the scene, medical expenses, compensation for lost wages and legal defense fees.
Property damage liability insurance protects you if you're found at fault for damaging someone's property in an accident. It can help cover damages to residential or commercial structures and vehicle repair or replacement.
Collision insurance covers cont of the damage or destruction of your vehicle from an accident.
Medical payments insurance covers the cost of treating injuries, rehabilitation and sometimes lost wages if you or your passengers are hurt in an accident.
Uninsured/Underinsured insurance covers expenses related to bodily injury or property damage if an accident is caused by a driver without insurance or with liability coverage not high enough to cover injury or damage they caused.
Comprehensive insurance covers the cost of damage to your vehicle by vandalism, theft, fallen trees, storms, and natural disasters.
You can also choose from optional coverage including rental reimbursement, roadside assistance, sound system, and personal injury protection.
How much does car insurance cost?
Car insurance premiums are calculated based on a number of factors.
- Your driving record – The cleaner your driving record, the lower your premium. If you have any accidents or serious traffic violations on your record, you will likely pay more. New drivers without an insurance track record may also pay a higher premium.
- How much you use your car – The more miles you drive, the more chance for accidents so you'll pay more if you drive your car for work, or use it to commute long distances. If you drive only occasionally—what some companies call “pleasure use"—you'll pay less.
- Location – Due to higher rates of vandalism, theft, and accidents, drivers living in urban areas pay a higher auto insurance premium than drivers in small towns or rural areas. Where you park your car (on the street or in a secure garage) may impact the bottom line as well.
- Your age – The older you are the more experience you have driving. Typically, experienced drivers have fewer accidents than less experienced drivers, particularly teenagers. Insurers generally charge more for drivers under the age of 25.
- The car you drive – The make, model and year of your car are important factors along with likelihood of theft, the cost of repairs, engine size and the overall safety record of the car.
- Your credit – Similar to your credit score, your credit-based insurance score is a statistical tool predicting the likelihood you will file a claim and the expected cost of the claim. filing a claim and the likely cost of the claim.
- The type and amount of auto insurance coverage – the types of coverage you choose beyond minimum coverage and the size of your deductible all affect your premium.
We work very hard to help find discounts to lower your premiums. We offer discounts for safe drivers, good students, multiple policies, and more.
How To File A Claim
Filing a claim can be an emotional time. Cullen Insurance is here to help you every step of the way, making your claims experience as simple and convenient as possible.
If you are in an accident, call your agent, whether or not you are at fault. We’ll collect the details from the accident and handle it from there. We’ll tell you what to expect and answer any questions.
Names, contact, insurance and vehicle information for anyone involved in the accident
Location, time of day and weather conditions
Photos of vehicle damage
Names and badge numbers of any officers that responded to the incident
A copy of the accident report
Why choose Cullen Insurance?
We are committed to being one of the premier insurance agencies serving Southern California. We strive to provide our customers with the best values and unsurpassed service and credibility.
At Cullen Insurance Agency, we offer an assortment of different car insurance packages; each one is custom-designed to fit all unique types of drivers. So you don’t have to worry, we have a package that is the perfect fit for your car insurance needs.
Not only are we able to offer coverage services that are molded to fit your individual needs, but we also provide these services at competitive rates to provide you not only with excellent protection but also value. We believe in offering our customers quality protection with reasonable prices. We also offer additional discounts to safe drivers, good students, multiple policies, and much more!
Why it’s good to have a local company cover your car insurance
We know you want to deal with people you know - and who know you.
At Cullen Insurance, our agents are not computers or automated phone lines. We are real members of your community who are ready to get you the most affordable car insurance available.
We take the time to get to know you as a person. Once we understand your needs, we recommend the best policy at the best price.
Since we live in your community, we can recommend the best body shops and glass repair companies so you can trust your car to be repaired the right way.