Auto Insurance

Auto Insurance

Driving without insurance in the state of California is illegal and you must have liability coverage to register your car. On the road, many factors are out of your control and having a smart insurance policy is vital in order to prevent a large financial loss. At the Archer Insurance Agency, we will guide you through the complicated waters of Auto Insurance and help you pick which coverage are right for you.

You might be looking to build your own personalized auto coverage plan, or maybe you would like to have a little more knowledge about a necessary part of car ownership. Regardless of the circumstances, we want you to be as educated as you can be. Below is a quick overview of various car insurance coverage types:

  • Liability
    • Covers the cost of injury to others and damage to their property when you’re at fault
    • Required by law in nearly all states
  • Collision
    • Pays to repair or replace your own vehicle when you’re at fault
    • Covers collisions with other vehicles, objects and animals
  • Comprehensive
    • Covers damage to your car caused by things besides a collision
    • Includes hail, wind, theft, fire, vandalism, animal damage and more   
  • Uninsured / Underinsured Motorist
    • Covers your losses caused by an uninsured or underinsured driver
    • Helps pay for damage to your car and bodily injury to you and your passengers
  • Medical Payments
    • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
    • Provides this coverage no matter who’s at fault
  • Glass Deductible Buyback
    • Covers windshield and glass repair and replacement
    • $0 deductible on glass repair
    • Low $100 deductible for Glass Replacement
  • Towing and roadside service
    • Provides 24/7 roadside assistance if your car is disabled
    • Helps pay for towing, tire changing, locksmith service and jumpstarts
  • Rental Car Reimbursement
    • Covers the cost of a renting a car for up to 30 days while yours is repaired
    • Arrangements and billing can be handled by Farmers 
  • Loss of Use
    • Provides a flat sum for transportation while your car is repaired
    • Can be used for public transit, rentals, taxis and rideshare services  
  • Rideshare
    • Helps protect drivers for rideshare companies like Uber and Lyft
    • Provides coverage during periods not covered by company or personal insurance
  • Customized Equipment
    • Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels
    • Available on any vehicle with collision and comprehensive coverage
  • Original Equipment Manufacturer (OEM)
    • Covers the cost of using factory-original parts in covered repairs
    • Available on cars up to 10 years old
  • New Car Replacement Coverage
    • Covers the cost to replace your car with a new one of the same make and model
    • Available when your car is totaled within the first two model years and 24,000 miles

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