Murrieta Auto Insurance

CA License #: 0I96350


Murrieta Auto Insurance

Tucked away in Riverside County, Murrieta might not be a household name like Los Angeles or San Diego, but this city of over 100,000 residents has plenty to offer drivers - along with some unique insurance considerations. Known as the “Gem of the Valley”, Murrieta boasts a charming historic downtown filled with antique shops and family-owned eateries.

With short commutes and relatively low crime rates compared to other SoCal locales, Murrieta tends to have lower car insurance rates on average. However, costs can still vary widely depending on your specific risk factors as a driver. Let's explore some key coverage types drivers in Murrieta should consider when putting together their auto insurance policy.

Understanding Murrieta Car Insurance Coverages

When cruising along the 15 Freeway or meandering down Washington Avenue, make sure you've got these core car insurance coverages to protect yourself in Murrieta:

  • Bodily Injury Liability

    Bodily injury liability coverage is an important part of auto insurance in California. It covers injuries that you or another driver operating your vehicle may cause to others in an accident. For example, let's say you live in Murrieta and accidentally hit another car, injuring the driver. Your bodily injury liability coverage would pay for that driver's medical bills and lost wages, up to the policy limits. Without it, you could be personally responsible for tens of thousands of dollars or more in damages. Although the state minimum liability limits of $15,000 per person and $30,000 per accident are required, we recommend 100/300 limits or higher for better protection. The Insurance Store has licensed agents who can explain bodily injury liability and help you get the right auto policy to fit your needs and budget while meeting California requirements. Call us today to discuss your coverage options.

  • Property Damage Liability

    Property damage liability is required auto insurance in California that covers damage you cause to others' property. For example, if you live in Murrieta and back into your neighbor's new brick mailbox, cracking it. Your liability coverage would pay for repairs or replacement. The state minimum limit is $5,000 but that may not be enough for major damage. We recommend higher limits like $50,000 or more. We'll help you get the right affordable policy with adequate coverage to protect your assets if you cause pricey property damage. Contact us to discuss property damage liability and make sure you have sufficient protection.

  • Comprehensive Coverage

    Comprehensive auto insurance is critical protection for Murrieta drivers, covering damage to your vehicle that occurs from incidents other than collisions. For example, if a falling oak tree branch from your Murrieta neighborhood crashes onto the hood of your parked car, comprehensive would pay for repairs or replacement if totaled, minus your chosen deductible. Comprehensive also covers vandalism, theft, fire, flooding, hail damage, and collisions with animals in Murrieta. Last month over 50 catalytic converters were stolen from cars across the city. Not carrying comprehensive means paying fully out-of-pocket for damage from risks like theft, storms, or wildlife. At The Insurance Store, we strive to provide Murrieta drivers with affordable comprehensive options to meet their budget while properly protecting vehicles from trouble not caused by an at-fault collision. Our licensed agents educate customers on deductibles and premiums to find the right fit. Call The Insurance Store so we can review comprehensive with you before hitting the roads around Murrieta and beyond.

  • Collision Coverage

    Collision insurance is a critical component of auto insurance for Murrieta drivers, covering damage to your vehicle resulting from accidents with other cars or objects. For instance, if you accidentally back into a light pole in the Murrieta Walmart parking lot, collision would pay for repairs or replacement if your car is totaled, minus your chosen deductible. Collision also protects you if you’re considered at fault in an accident, like a fender bender on the 15 freeway or a sideswipe on California Oaks Road. Not carrying collision means you must pay for all vehicle damage out of pocket if an at-fault accident occurs. At The Insurance Store, we take pride in offering affordable collision insurance tailored to each Murrieta driver’s needs. Our agents educate customers on deductible and premium options so you get the ideal balance between protection and price. Call The Insurance Store today so we can help you review collision options before driving around Murrieta and the rest of California.

  • Uninsured/Underinsured Motorist

    Uninsured and underinsured motorist coverage (UM/UIM) provides critical protection for Murrieta drivers by covering injuries or damage from a collision with a motorist who doesn’t have sufficient insurance. For example, if someone without insurance hits your car in a parking lot on Madison Avenue in Murrieta, or an underinsured driver rear-ends you on the 215, UM/UIM would pay for injuries to you and your passengers as well as damage to your vehicle, minus your deductible. Not carrying enough UM/UIM leaves you financially vulnerable in these situations. At The Insurance Store, our licensed agents explain clearly what UM/UIM covers and work with our Murrieta clients to determine adequate limits to protect assets and health without overpaying. We aim to provide drivers in Murrieta and greater California with optimal UM/UIM protection on the unpredictable roads of this state.

  • Medical Payments

    Medical payments, or MedPay, is an affordable way for Murrieta drivers to cover injuries to themselves or passengers after an accident, regardless of fault. For example, if you hit a slick, rainy patch of road on I-15 through Murrieta and collide with the median barrier, MedPay would pay for ambulance transport and medical treatment for you and passengers. Or if your child is injured as a passenger in a friend’s car that is hit in a Murrieta intersection, their medical bills would be covered under your MedPay. Not carrying MedPay means paying out-of-pocket for medical expenses from an accident. At The Insurance Store, we explain clearly what MedPay insurance covers and work with Murrieta customers to choose limits that provide peace of mind without overspending. We aim to offer drivers customized MedPay policies to protect health and finances after an unpredictable accident on Murrieta’s roads.

  • Rental Reimbursement

    Rental reimbursement coverage is important for Murrieta drivers to pay for a rental car if their vehicle is being repaired after an accident. For example, if another driver hits your car while stopped at a light on Jefferson Avenue, rental coverage would reimburse you for transportation expenses while your car is in the repair shop for a week or longer. Without rental coverage, you would have to pay daily rental fees completely out of pocket while being without your own vehicle. At The Insurance Store, we explain what rental reimbursement entails and help Murrieta customers select daily and maximum limits that align with their budget.

  • Roadside Assistance

    Roadside assistance is invaluable coverage for Murrieta drivers to help with common car troubles like dead batteries, flat tires, or lockouts. For example, if your car won't start because you left the lights on too long, roadside assistance would dispatch a truck to jumpstart your battery or tow your car to a shop. Or if you get a flat on the 215 driving home, it pays for tire changing so you can get back on the road safely. Without coverage, you must pay potentially hundreds out of pocket for towing or service calls each time you need roadside help in Murrieta. At The Insurance Store, we explain clearly what roadside assistance includes and offer affordable options customized for each driver’s peace of mind. We want Murrieta motorists covered for common breakdowns and tire issues they may face daily during their commutes or shopping trips.

  • Rideshare Coverage

    Rideshare coverage has become essential for Murrieta drivers working for companies like Uber or Lyft. Without specific rideshare insurance, your personal auto policy may not cover accidents that happen while transporting passengers. For example, if you get into a fender bender on Murrieta Hot Springs while driving to pick up a rider, many standard policies would deny that claim. Rideshare coverage fills gaps during Period 1 when you’re en route to a rider and Period 3 when you have an active ride. At The Insurance Store, we explain the coverage rideshare drivers must have and offer affordable rideshare endorsements or policies to protect Murrieta drivers’ assets. We don’t want you paying out-of-pocket for repairs or medical bills if an accident happens during a gig. Our licensed agents provide customized rideshare insurance to match each driver's needs so you can drive around Murrieta safely while working.

Why Choose The Insurance Store for Car Insurance in Murrieta?

Rather than just buying direct online or over the phone, partnering with a local independent insurance agency like The Insurance Store brings key benefits for Murrieta drivers seeking the right auto insurance fit.

As an independent, family-owned agency operating for over 50 years, we have access to quotes from multiple top-rated insurance carriers all in one place, giving drivers opportunities for major savings. Our agents understand the unique needs of Murrieta motorists and can provide tailored recommendations based on driving habits, vehicle types, coverage preferences, and budgets.

You’re not just a policy number at The Insurance Store. We pride ourselves on providing white glove service from quote to claims support. We also offer 24/7 digital access to policy documents, ID cards and more through our custom app - TIS24. This gives customers ease of access even in situations like traffic stops.

Whether you’re cruising along Jefferson, navigating Old Town’s charming streets, or venturing out on your next road trip, make sure you've got the right auto insurance backing you in Murrieta. Give our friendly team a call today at 800-748-5899 or request a quote online. We look forward to helping you find affordable coverage tailored to your unique needs as a Murrieta driver!

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Here is what Our Happy Customers have to say

I worked with Kim she explained the process to me well and was great at walking me through the different options. I called her back several times and each time she was patient, knowledgeable and was able to help. The whole process was rather painless because of Kim's help.
Elizabeth Landt