Fountain Valley Auto Insurance

Fountain Valley Auto Insurance

Understanding Fountain Valley Car Insurance Coverages

• Bodily Injury Liability

  Bodily Injury Liability coverage is a crucial component of auto insurance for Fountain Valley residents. Imagine you're driving down Brookhurst Street and accidentally rear-end another vehicle, causing injuries to the passengers inside. Your Bodily Injury Liability coverage from The Insurance Store would step in to cover their medical expenses and lost wages, up to your policy limits, protecting you from potentially devastating out-of-pocket costs. While California requires a minimum of $15,000 per person and $30,000 per accident, we recommend opting for higher limits, such as 100/300, to ensure you have adequate protection in the event of a serious accident.

• Property Damage Liability

  Property Damage Liability is an essential part of your auto insurance policy in Fountain Valley. Picture this: you're pulling out of the Fountain Valley Recreation Center parking lot and accidentally sideswipe a parked car, leaving a significant dent and scratches. Your Property Damage Liability coverage would cover the repairs to the other vehicle, saving you from paying out of pocket. While California mandates a minimum limit of $5,000, this may not be sufficient for more extensive damage, which is why we recommend considering higher limits, such as $50,000 or more, to safeguard your assets in case of a costly accident.

• Comprehensive Coverage

  Comprehensive Coverage is a vital aspect of auto insurance for Fountain Valley residents, protecting your vehicle from non-collision related incidents. Imagine you're parked at the Fountain Valley Sports Park for a weekend softball tournament, and a powerful gust of wind sends a foul ball crashing through your windshield. With Comprehensive Coverage, you'd be covered for the repairs, minus your chosen deductible. This coverage also safeguards your vehicle against theft, vandalism, fire, flooding, and even collisions with animals, such as the occasional coyote spotted near Mile Square Regional Park. At The Insurance Store, our goal is to provide Fountain Valley drivers with affordable Comprehensive Coverage options that fit their budget while offering essential protection for their vehicles.

• Collision Coverage

  Collision Coverage is an essential part of your auto insurance policy in Fountain Valley, protecting your vehicle from damage caused by accidents with other cars or objects. Picture this: you're navigating the busy parking lot at the Fountain Valley Shopping Center and accidentally collide with a shopping cart corral, denting your bumper. With Collision Coverage, you'd be covered for the repairs, minus your selected deductible. This coverage also safeguards you if you're found at fault in an accident, such as a rear-end collision on the 405 Freeway or a sideswipe on Brookhurst Street. At The Insurance Store, we take pride in offering Fountain Valley drivers affordable Collision Coverage options that are tailored to their specific needs and budget.

• Uninsured/Underinsured Motorist

  Uninsured/Underinsured Motorist coverage is a crucial component of your auto insurance policy in Fountain Valley, providing protection when you're involved in an accident with a driver who lacks sufficient insurance. Imagine you're stopped at a red light on Talbert Avenue, and an uninsured motorist rear-ends your vehicle, causing injuries to you and your passengers. With Uninsured/Underinsured Motorist coverage, you'd be covered for medical expenses and lost wages, as well as damage to your vehicle, up to your policy limits. At The Insurance Store, our knowledgeable agents work closely with Fountain Valley residents to ensure they have adequate Uninsured/Underinsured Motorist coverage, safeguarding their assets and well-being without breaking the bank.

• Medical Payments

  Medical Payments coverage offers a safety net for Fountain Valley residents in case of unexpected injuries resulting from an auto accident. If you accidentally rear-end someone on Brookhurst Street during your morning commute, MedPay would cover the medical expenses for you and your passengers, regardless of who was at fault. Or, if your teenager gets injured while riding with a friend who runs a red light at the intersection of Edinger Avenue and Euclid Street, your MedPay coverage would take care of their medical bills. Without this protection, you might have to pay substantial out-of-pocket costs for injuries sustained in a collision. At The Insurance Store, we pride ourselves on explaining the nuances of MedPay coverage and tailoring policies to suit the unique needs of Fountain Valley drivers, ensuring they have the right level of protection without breaking the bank.

• Rental Reimbursement

  Rental Reimbursement coverage provides a convenient solution for Fountain Valley residents who find themselves without a vehicle due to an accident. Imagine being rear-ended by a distracted driver while stopped at the intersection of Brookhurst Street and Edinger Avenue, leaving your car in need of extensive repairs. With Rental Reimbursement, you wouldn't have to worry about the costs of renting a temporary set of wheels while your vehicle is in the shop. Or perhaps your teenager accidentally sideswiped another car in the parking lot of Fountain Valley High School, necessitating body work that takes weeks to complete. This coverage ensures you're not left stranded during that time. Without Rental Reimbursement, the financial burden of securing alternative transportation would fall squarely on your shoulders. At The Insurance Store, our knowledgeable agents will guide you through the intricacies of this coverage, helping you select daily limits and maximum payouts that suit your unique needs and budget.

• Roadside Assistance

  Roadside Assistance provides invaluable peace of mind for Fountain Valley drivers who may encounter common automotive hiccups. Imagine running errands on Brookhurst Street, only to return to your vehicle and realize the battery is dead after leaving the lights on. With Roadside Assistance, a simple call would dispatch a service truck to jumpstart your car or tow it to the nearest repair facility. Or perhaps you're on your way to Miles Square Park when you hit a pothole, resulting in a flat tire. This coverage ensures you can get back on the road quickly and safely by covering the cost of a tire change. Without Roadside Assistance, you could be facing hefty out-of-pocket expenses for towing or service calls – costs that can quickly add up with each incident. At The Insurance Store, our knowledgeable agents will clearly explain what's included in your Roadside Assistance plan and work with you to find affordable options that provide the right level of protection, whether you're running local errands or embarking on a longer journey.

• Rideshare Coverage

  Rideshare Coverage has become an essential consideration for Fountain Valley residents who earn income through services like Uber or Lyft. Without a dedicated rideshare policy, your personal auto insurance may leave you vulnerable during the periods when you're actively working. For instance, if you're involved in a minor collision on Edinger Avenue while en route to pick up a passenger, your standard policy could deny the claim. Rideshare Coverage bridges this gap, providing protection during the time you've logged into the app but haven't yet accepted a ride request, as well as during active trips with passengers on board. At The Insurance Store, we understand the unique risks faced by rideshare drivers and can guide you through the process of securing proper coverage. Our knowledgeable agents will explain the nuances of rideshare policies and work with you to find affordable solutions that safeguard your financial interests while you're earning on the roads of Fountain Valley.

Why Choose The Insurance Store for Car Insurance in Fountain Valley?

Here is what Our Happy Customers have to say

Lindsay and her team are very good at what they do. I was shopping around for insurance and she was able to get me the best deal. She was very prompt and very professional. I had all my documents and my new insurance cards within an hour. I can not thank them enough. I highly recommend them.

Jeremy Cardenas