Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Personal Auto Insurance in Elk Grove, CA & Sacramento CA
Having the proper auto coverage that suits every situation ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.
Our agents at Insurance121 take a consultative approach to insurance. Whether a new teen driver or a seasoned veteran, we will work with you one-to-one to find a policy that keeps you and your drivers protected at all costs for peace-of-mind driving assurance. We routinely provide motorists in Elk Grove CA, Sacramento CA, and the surrounding areas with comprehensive auto insurance.
Why Do I Need Auto Insurance?
If you’re involved in an accident without car insurance, you could be looking at high out-of-pocket costs, injury liability – even serious legal issues.
Keeping your vehicle insured is simply the responsible thing to do, and it is an essential financial decision that you cannot drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, roadside assistance, and much more. Since policies vary with protection options, it is important to talk to an agent at Insurance121 to create a policy that insures your needs.
Auto Insurance Coverage Details
The insurance company you have a policy through will pay out losses as outlined in your policy. Generally, those coverages will include:
Property - Will cover damage to or theft of your car. This could be damages sustained in an accident (Collision), or it could be fire, theft, animal collision (Comprehensive). It does not typically cover personal contents of your vehicle.
Liability - Covers the legal responsibility to others for bodily injury or damage to property
Medical - Offers coverage for the cost of treating injuries sustained by you or your passengers.
- Uninsured / Underinsured Motorist Coverage - Provides compensation to you and your passengers for injuries, lost wages, pain & suffering, other expenses in the event you're hit by someone with no insurance or minimal insurance.
Other Coverage You Might Need
- Roadside Assistance / Towing
- Collision Deductible Waiver
Auto Insurance Cost
The premium you pay for your auto insurance policy will be determined by many different factors. Some of the most common factors used by car insurance companies include your age, driving history, years of driving experience, type of vehicle and location. Another important factor to consider is the limits of liability you choose for your auto insurance coverage. Although choosing between the required minimum coverage and higher limits will have an impact on your premium, you might be surprised at how little it increases your premium to have greater protection at a higher limit.
Insurance carriers will rate these factors on different scales. More importantly, your driving habits and history will vary widely compared to others. It is important to compare your options across different plans and speak to an agent about your specific needs.
Keeping our Clients Protected
At Insurance121, we take your car insurance seriously and will ask the important questions to make sure we help you find the right policy for your situation. We are dedicated to providing exceptional customer service and making sure that we have our customer’s best interests in mind. Our staff are here to answer any of your questions or concerns.
Contact us today to learn more about our products and services for drivers.