Keeping You On The Road – Safely & Affordably
Driving in California comes with risks, from Orange traffic to highway accidents to unpredictable weather. That's why having the right auto insurance isn't just about meeting state requirements; it's about protecting yourself, your family, and your vehicle every time you hit the road.
At AA Lares Insurance Services, we help drivers across Orange and throughout California find auto insurance that balances cost and coverage, so you can drive with confidence, knowing you're protected.
Why Californians Choose AA Lares Insurance Services for Auto Insurance
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 Services, 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.
Common Auto Insurance Coverages in California
Liability
(Required by Texas law) Covers injuries or property damage you cause to
others.
Collision
Pays to repair your car if it's damaged in an accident, regardless of fault.
Comprehensive
Protects against theft, vandalism, hail, flooding, or hitting an animal.
Property Damage
Covers costs if you damage someone else's vehicle or property in an accident.
Bodily Injury Liability
Helps pay medical bills and related expenses for others if you're at fault.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with little or no coverage.
Deductibles
You choose how much you'll pay out of pocket when a claim occurs. We'll help you balance a deductible that keeps your premiums affordable without leaving you exposed.
Additional Coverages
Roadside Assistance
Roadside assistance and breakdown coverage are services that assist motorists, or byciclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.
Mechanical Breakdown
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 Coverage
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.
Need an SR-22 in California?
If you're required to file an SR-22 in California, we can help. An SR-22 isn't insurance — it's a certificate proving you carry the state's required auto liability coverage. We'll work with carriers who offer SR-22 filings to get you back on the road quickly and affordably.
What Affects Auto Insurance Rates in Orange California
Age
Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don't get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit
Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
Car
The type of car, engine size, safety features, etc.. are all part of determining the rate.
Driving History
Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won't get a preferred rate until those things are at least 3 years old.
Household
Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone's pricing in the household.
At AA Lares Insurance Services, we don't just quote your policy, we explain your options and shop multiple carriers to make sure you get the best balance of coverage and cost, no matter your rating factors.
