Claremont Auto Insurance


CA License #: 0I96350

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Claremont Auto Insurance

Nestled in the eastern edge of Los Angeles County, Claremont stands out as a unique blend of small-town charm and academic prowess. Known as the "City of Trees and PhDs," this quaint community of around 36,000 residents offers a distinctive environment for drivers, coupled with its own set of insurance considerations. 

While Claremont generally enjoys lower crime rates compared to some of its larger Los Angeles County neighbors, its proximity to major freeways and the influx of college students can impact auto insurance rates. The mix of long-time residents, transient student population, and visitors to the colleges creates a diverse driving landscape. 

Factors such as the city's location at the foothills of the San Gabriel Mountains, with potential for wildlife encounters on roads like Baseline Road or Mount Baldy Road, and the seasonal influx of students, can influence insurance considerations. Additionally, the presence of numerous cyclists and pedestrians around the college campuses and village area adds another layer to local driving risks. 

Let's delve into the essential auto insurance coverage types that Claremont drivers should contemplate when assembling their policies, ensuring protection whether navigating the bustling streets of the Claremont Village or commuting on the nearby 10 or 210 freeways. 


Understanding Claremont Car Insurance Coverages

Whether you're navigating the tree-lined streets of the Claremont Village, commuting along the bustling 210 Freeway, or winding your way up scenic Mount Baldy Road, it's crucial to have these essential auto insurance coverages from The Insurance Store to safeguard yourself and your vehicle in Claremont's unique driving environment. 


  • Bodily Injury Liability

    Bodily Injury Liability coverage is a fundamental component of auto insurance in Claremont, California, protecting you financially if you're at fault in an accident that injures others. Imagine you're driving near the Claremont Colleges and accidentally collide with a cyclist, causing injuries; your Bodily Injury Liability coverage would step in to cover their medical expenses and lost wages, up to your policy limits. While California mandates minimum coverage of $15,000 per person and $30,000 per accident, The Insurance Store strongly recommends higher limits of 100/300 or more to ensure comprehensive protection in our litigious society. Our knowledgeable agents at The Insurance Store are ready to guide you through selecting the right coverage to safeguard your assets and comply with state laws, all while considering your unique needs as a Claremont resident.

  • Property Damage Liability

    Property Damage Liability is a crucial element of auto insurance in Claremont, California, safeguarding you financially when your vehicle damages someone else's property. Picture this scenario: while parallel parking near the Claremont Village, you accidentally scrape a parked luxury car belonging to a visiting professor, causing significant damage; your Property Damage Liability coverage would step in to cover the repair costs. Although California's minimum requirement is $5,000, The Insurance Store strongly advises higher limits of $50,000 or more, considering the prevalence of high-value vehicles in our college town. Our expert agents at The Insurance Store are committed to tailoring an affordable policy that provides ample protection for your assets, ensuring you're well-covered in case of costly property damage incidents in and around Claremont.

  • Comprehensive Coverage

    Comprehensive Coverage is an essential safeguard for Claremont drivers, protecting your vehicle against non-collision incidents that are all too common in our tree-lined city. Imagine you've parked your car near the Claremont Colleges during a windstorm, only to return and find it damaged by a fallen branch from one of the area's iconic trees; Comprehensive Coverage would come to your rescue, covering the repair costs minus your chosen deductible. This vital protection extends to a range of scenarios unique to our community, from potential wildfire damage in the foothills to the unfortunate reality of catalytic converter thefts that have affected college campuses across Southern California. At The Insurance Store, our experienced agents are committed to crafting affordable Comprehensive Coverage options tailored to your specific needs, ensuring your vehicle is shielded from the diverse risks present in Claremont's academic and suburban landscape.

  • Collision Coverage

    Collision Coverage is a vital component of auto insurance for Claremont drivers, safeguarding your vehicle against damages resulting from accidents with other cars or objects. Picture this: you're navigating the crowded parking lot at Claremont Village during a bustling farmers' market and accidentally back into a decorative planter – Collision Coverage would step in to cover the repair costs, minus your chosen deductible. This essential protection also extends to at-fault accidents, such as a fender bender on the congested 210 Freeway during rush hour or a misjudged turn at the busy intersection of Indian Hill and Foothill boulevards. At The Insurance Store, our knowledgeable agents are dedicated to finding you the perfect balance of comprehensive protection and affordability, tailoring Collision Coverage options to suit your specific needs and budget while ensuring you're well-prepared for the diverse driving scenarios encountered in Claremont's unique blend of college town and suburban community.

  • Uninsured/Underinsured Motorist

    Uninsured/Underinsured Motorist coverage (UM/UIM) is a crucial safeguard for Claremont drivers, offering vital protection against the financial fallout of accidents involving inadequately insured motorists. Imagine you're driving along Foothill Boulevard near the Claremont Colleges when an uninsured student driver suddenly sideswipes your vehicle, causing injuries and damage; UM/UIM coverage would step in to cover your medical expenses and vehicle repairs, sparing you from potential financial ruin. At The Insurance Store, our experienced agents are dedicated to educating Claremont residents about the intricacies of UM/UIM coverage, helping you determine the optimal limits to protect your assets and health without unnecessary expense. We strive to equip drivers in Claremont and the surrounding areas with robust UM/UIM protection, ensuring peace of mind as you navigate the diverse roadways of our college town and the greater Los Angeles area.

  • Medical Payments

    Medical Payments coverage, often called MedPay, is an invaluable addition to auto insurance policies for Claremont drivers, providing crucial financial protection for medical expenses resulting from car accidents, regardless of who's at fault. Picture this scenario: you're driving down Baseline Road near the Claremont Wilderness Park when sudden fog causes you to swerve and collide with a guardrail, resulting in injuries to you and your passengers; MedPay would swiftly cover the ambulance fees and immediate medical treatments, alleviating financial stress during a challenging time. At The Insurance Store, our knowledgeable agents take pride in elucidating the benefits of MedPay, collaborating closely with Claremont residents to determine optimal coverage limits that offer peace of mind without straining your budget. Our goal is to provide tailored MedPay policies that safeguard both your health and finances, ensuring you're well-protected against the unforeseen medical costs that can arise from accidents on Claremont's diverse roadways, from bustling college areas to scenic mountain routes.

  • Rental Reimbursement

    Rental Reimbursement coverage is a crucial safeguard for Claremont drivers, ensuring you're not left stranded when your vehicle is out of commission due to a covered accident. Imagine you're rear-ended while waiting at a traffic light on Indian Hill Boulevard near the Claremont Village; Rental Reimbursement would step in to cover the costs of a temporary vehicle while your car undergoes repairs, potentially for days or even weeks. At The Insurance Store, our experienced agents take pride in demystifying Rental Reimbursement coverage, working closely with Claremont residents to determine the ideal daily and maximum limits that align with both their transportation needs and budget constraints. By tailoring this coverage to your specific circumstances, we ensure you maintain your mobility and peace of mind, whether you need to commute to work or drive students to the Claremont Colleges, even in the face of unexpected vehicular setbacks in our vibrant college town.

  • Roadside Assistance

    Roadside Assistance coverage is an indispensable safety net for Claremont drivers, offering prompt solutions to common vehicular mishaps that can disrupt your daily routine. Imagine you're leaving a late-night study session at the Honnold Mudd Library, only to find your car battery has died; with Roadside Assistance, help is just a phone call away, dispatching a technician to jumpstart your vehicle or provide a tow if needed. This vital coverage extends to a range of scenarios unique to our area, from flat tires on the winding roads of Mount Baldy to accidental lockouts at the Claremont Village parking lots. At The Insurance Store, our knowledgeable agents are committed to elucidating the benefits of Roadside Assistance, tailoring affordable options that provide Claremont residents with peace of mind as they navigate our city's diverse landscapes, from college campuses to the nearby San Gabriel Mountains.

  • Rideshare Coverage

    Rideshare Coverage has become a crucial component for Claremont drivers who supplement their income by working for popular platforms like Uber or Lyft, especially those catering to college students and faculty. Imagine you're en route to pick up a passenger near the Claremont Colleges when you're involved in a minor collision on College Avenue; without specific Rideshare Coverage, your personal auto policy might deny the claim, leaving you financially vulnerable. At The Insurance Store, our expert agents are dedicated to elucidating the intricacies of Rideshare Coverage, offering tailored solutions that bridge the gap between personal and commercial auto insurance, ensuring comprehensive protection during all phases of your rideshare activities. We're committed to providing Claremont's gig economy drivers with affordable, customized Rideshare Coverage options, allowing you to navigate our city's bustling streets – from the Village to the Metrolink station – with confidence and financial security.


Why Choose The Insurance Store for Car Insurance in Claremont?

Partnering with a local independent insurance agency like The Insurance Store offers Claremont drivers distinct advantages when seeking the perfect auto insurance solution. As a family-owned business with deep roots in the community, we leverage our relationships with multiple top-rated insurers to provide you with a range of competitive quotes, potentially unlocking significant savings. Our experienced agents possess an intimate understanding of Claremont's unique driving landscape, from the bustling streets around the Claremont Colleges to the scenic routes near the Claremont Hills Wilderness Park, allowing us to craft personalized recommendations that align with your specific needs and budget. 

At The Insurance Store, you're more than just a policy number – you're a valued member of our diverse academic community. We take pride in delivering exceptional service throughout your insurance journey, from initial quote to claims support. Our cutting-edge TIS24 app offers 24/7 digital access to policy documents and ID cards, ensuring you're always prepared, whether you're commuting on the 210 Freeway or enjoying a leisurely drive through the tree-lined streets of Claremont Village. 

Whether you're navigating the busy intersections near Pomona College, dropping students off at the Claremont Colleges, or embarking on a weekend getaway to nearby Mt. Baldy, it's crucial to have the right auto insurance protection. Contact our friendly team today at 800-748-5899 or request a quote online. We're eager to help you secure affordable, tailored coverage that meets your unique needs as a Claremont driver, providing peace of mind on every journey through our charming "City of Trees and PhDs" and beyond. 


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Here is what Our Happy Customers have to say


Lindsay is amazing always helping us out when we have any questions or concerns with our policy! She has a lot of patience with us and gives great customer service thank you so much for all your help, Lindsay, we appreciate it 👍🏼

Cynthia Sepulveda