San Diego Car Insurance

Under California law, each car owner must have auto insurance. It covers the expenses associated with getting into an auto accident. With proper coverage and by paying annual premiums, you don’t need to worry about paying the damage repairs.

With the right auto insurance, you’ll protect the investment in your car and have financial protection from lawsuits. Here are some of the benefits car insurance can provide:
  • Paid medical expenses in case of an accident
  • Covered losses caused by uninsured or underinsured drivers
  • Paid damage due to theft, vandalism or natural disasters.

We are here to help you get the insurance you need, so call us if:

  • You are buying your first car
  • You drive an older car
  • You are adding someone to your policy (getting married, new teen driver)
  • You drive a motorcycle

San Diego Auto Insurance Options

Here are different coverage options that we have prepared for you and your family:

Liability Coverage covers damages to others if you’re at fault in an accident. This type of coverage is required in all states.

Collision Coverage will repair or replace your insured car after an accident. This type of insurance is often added as an extension of a basic policy.

Comprehensive Coverage pays for loss or damages to your car from a danger other than a collision, such as theft, vandalism, or national disaster.

Underinsured/Uninsured Motorists Coverage is a policy that covers property damage and bodily injury caused by another motorist whose coverage is insufficient to cover the damages one has suffered.

Rental Reimbursement covers renting a car as a substitute for your vehicle when it is damaged, or is being repaired, after an accident. Daily rental allowances or limits are subject to the terms of your car insurance policy.

Personal Injury Protection covers treatments needed from an accident including medical, rehabilitation, lost earnings, replacement of services, and funeral expenses. This type of insurance is also referred to as “no-fault” coverage.

Medical Payments Coverage covers payments for medical treatments for you and your passenger or funeral expenses when bodily injury is caused by an accident. It applies no matter who caused the accident.

How to Lower Car Insurance?

If you wonder how to lower car insurance premium, we prepared:

  • Good Student Discount
  • Good Driver Discount
  • Multi Policy Discounts
  • College Degree Discount
  • Multi Car Discount


H&M Insurance Agency

(619) 296-0005


We’ll Custom Tailor San Diego Car Insurance Policy for You

Considering that there are many factors that influence the auto insurance premium, we are the here to guide you through the process and make it easier for you. We’ll determine which solution is the best for you and make sure you have a complete coverage.

We may be able to apply discounts and save you even more if you bundle your insurance policies.

Request online quote or call customer support number at (619) 296-0005 for all info on cheap Auto Insurance San Diego offers. Our quotes save your money!
car insurance san diego

Auto Insurance

How much is car insurance? What does car insurance cover? How does insurance work? How to lower insurance premiums? Call us for a car insurance quote and save dollars.
classic car insurance san diego

Classic Car Insurance

Looking for the cheapest classic car insurance coverage? Protect your oldtimer with collector car insurance. Our antique car insurance is the best you'll find in San Diego.
rv camper insurance san diego

RV Insurance

What is a full-time RV insurance? What camper insurance covers and is it obligatory? Learn everything about motorhome insurance and get an RV insurance quote online.
motorcycle insurance san diego

Motorcycle Insurance

How much is motorcycle insurance? Get the best motorcycle insurance quote and find how bike insurance can protect you from accidents on the road.
Car Insurance for Teens

Car Insurance for Teens

First thing you'll have to do when you start your driving is to determine whether you'll be obtaining an auto insurance policy on your own or getting insured upon your parents' existing policy.