Why Shop with an Independent Agency? If you're asking yourself... "Why an independent agency? Why not just go directly with an insurance carrier?" We can answer that in one word. Choices. When you go directly with one carrier, you receive one rate. When you shop with AA Lares Insurance, you are given over a dozen choices. Whether you work at home, or if you commute over county lines, your needs are carefully placed into a program that best fits your unique situation. Above all else, we'll help you understand insurance a little more. Below are some key elements of a California auto insurance policy. We also have made shopping easier for you by developing a safe and convenient online insurance quote form. Together, we will get you adequately covered with premiums that are affordable.
For most of us in California, driving is a necessity. We commute to work. We shuttle our family from school to practice to lessons-- and anywhere else in between. During our busy routines, we tackle our to-do lists driving around town. For some people, around town is a 20 mile radius, but us in California understand that "around town" for us could easily be a 50 mile drive from the Inland Empire to Downtown Los Angeles. On the weekends we may spend time visiting shopping malls, movie theaters, and theme parks. We take beach trips, drive up the mountain for a nice getaway, or visit our local hiking trails.
Are you fully covered?
Protection for yourself
Protection against others
Insures you against loss during a collision with another vehicle or object.
Protection for your car from damage and loss resulting from incidents other than collision including fire, theft, or vandalism.
Property Damage Liability
Protection for your car from damage and loss resulting from incidents other than collision.
Bodily Injury Protection
Covers injuries caused to others while you or someone else is operating your vehicle.
Roadside assistance and breakdown coverage are services that assist motorists, or byciclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.
This coverage is available for Owned or Leased vehicles with less than 15,000 miles on the odometer. This coverage extends to virtually all mechanical and electrical components.
Medical payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault.
Personal Injury Coverage
Personal injury protection, also known as no-fault coverage pays for things like medical and rehabilitative expernses, replacement services, and funeral expenses. It also pays for loss of income if you are unable to work due to an accident.