Auto Insurance in Half Moon Bay, CA and San Mateo County
At Weller/O’Brien Insurance Services, some of the questions our clients most commonly ask about auto insurance are about saving money on their insurance premium. Our main goal is to keep you protected, but we have plenty of ways to help you do so at a reasonable cost.
The minimum coverage requirement in California is 15/30/10, but we recommend 500/500/100. In an at-fault state like California, the right coverage is extremely important. However, when it makes sense, we can help you adjust coverages and/or deductibles that will reduce premium without leaving you unprotected. For example, we can place higher deductibles on physical damage coverages, or take them off of older cars.
We also educate you on how to help improve your rates, such as by driving safely, assuming part of the risk by taking higher deductibles, and avoiding expensive situations like pairing a young driver with a high-performance car.
Car Insurance Quotes in Half Moon Bay, CA
We provide accurate quotes and policies for several types of auto insurance, including standard and non-standard coverage in addition to preferred. We can provide SR-22s, and have several markets for classic and collector car insurance. We write these quotes through carriers like Allied/Nationwide, Safeco, Hartford, Progressive, Condon Skelly, and more.
Our policies can cover everything from physical damage coverages like collision, comprehensive and glass—for new, used, and classic and collector vehicles—to liability and bodily injury coverage for drivers of all risk levels.
Roadside Assistance, Rental Reimbursement, and Full Glass Coverage for your Vehicle
The carriers we work with offer various endorsements, like GAP insurance, new car replacement, and total loss deductible waiver. They also offer some of our popularly used endorsements: roadside assistance, rental reimbursement, and full glass coverage.
We also offer a variety of discounts, such as multi car discount, multi policy discount, claim-free discount, experienced operator discount, AARP defensive driving class discount, occupational and company car discounts, college graduate discount, Nationwide’s SmartRide discount, and safety discounts for recovery devices and passive restraints.
Contact an agent to learn more about how what we offer applies specifically to you.
Half Moon Bay’s Best Product Insurance Comparison
When clients shop for auto insurance, either by email through our website, by phone, or even by stopping into the office, they often come to us with questions like:
- What is the impact of a claim or citation on my insurance rates?
- How does annual mileage and use affect my premium?
- How can I make my payments?
- Why is auto insurance so expensive?
- Why do I need high limits for bodily injury, property damage liability, etc.?
- What is the difference between comprehensive and collision coverage?
Our agents are more than happy to answer these questions for you. Speak to one today.
After we make sure they have the best coverage for their needs, we make clients aware of available discounts so we can get them the best possible price. We do the best job of putting together a package of coverages—including auto, home, boat, RV and umbrella—to provide our clients with the best pricing and coordination of coverage.