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Logo, Holt Insurance Services - Insurance Agency
Oceanside, CA (760) 433-1700
1817 S Coast Highway Suite A Oceanside, CA 92054 US
Yucaipa, CA (909) 790-4055
 34277 Yucaipa Boulevard, Yucaipa, CA 92399
Security for the Road Ahead

Your Auto Insurance in Carlsbad, CA



A man protected by auto insurance in Oceanside, CA

What is auto insurance?

Auto insurance is a contract between you and your insurance company. The agreement is that you will pay the policy’s premium and in return, the auto insurance company agrees to pay for your losses as stated on your policy.


Why do I need auto insurance?

Having insurance means having protection from financial loss. Auto insurance is a requirement in the State of California. If you are still making payments on your car, your lender may require for you to have auto insurance.


How long will I be covered by my auto insurance?

Most insurance policies are for six months or twelve months. Insurance companies usually notify you if your policy will need to be renewed.  

How much auto insurance coverage do I need?

The type of coverage that you need is at least the minimum coverage required by the State of California, which is liability insurance. This type of coverage only covers damage or injury that you may have caused to other people or to property through an accident or collision. This type of coverage will not pay for your personal losses, such as damage to your vehicle. You may add additional coverage to your policy, such as collision insurance and uninsured motorist property damage. Your insurance agent can assist you in deciding how much coverage to get.


What are the seven types of auto insurance?

1. Property Damage:

Damage to another person's property. The purpose of liability insurance is to cover property damage to a third party resulting from the negligent or intentional acts of an insured.

2. Bodily Injury:

Any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.

3. Medical Payments:

Will pay reasonable expenses incurred for necessary medical and /or funeral services because of bodily injury caused by accident and sustained by you or any other person while occupying a covered automobile.

4. Uninsured Motorist Property Damage:

Will pay for damages to your automobile, set up to a limit, when caused by a negligent uninsured motorist.

5. Collision:

Reimburses you for damage to your automobile sustained in a collision with another car or with any other object, movable or fixed, (for example, you accidentally backed into another object while pulling out from a parking stall and causing damage to the bumper and fender of your covered automobile).

6. Comprehensive:

Provides coverage for any direct and accidental loss of, or damage to, your covered automobile and its normal equipment, to include but not limited to fire, theft or malicious mischief.

7. Rental and Tow:

Rental reimbursement which helps pay for the cost of a rental car while your vehicle is being repaired after a car accident or after suffering damages that are covered through your car insurance policy. Towing coverage will pay for your car to be towed up to the amount of miles stated in your policy.


Are there auto insurance discounts available?

There are various types of discounts available when buying auto insurance. Contact our office and we will let you know if you are eligible for discounts on your auto insurance. Here are a few examples.

• Multiple policy discount

• Student discount

• Anti-lock brake system discount

• Anti-theft device discount