Auto Insurance Culver City

WE KNOW AUTO INSURANCE

From helping you understand your current policies to providing you third-party coverage options, we’re ready to talk!

We’ll do it right and get you moving fast, no matter the vehicle you’re insuring:

Personal commuter vehicles
Luxury vehicles
Collector vehicles
Commercial vehicles
Vehicle fleets, for personal or business
Motorcycles
Trailers
RVs

Existing client? Contact us at FrontLight Insurance to get renewed — call us at (310) 684-5799, or email [email protected]

New client? Contact us for more information and pricing at (310) 684-5799 or [email protected] — you will have the option of choosing the following coverages:

Collision Coverage

Even the best drivers make mistakes, and auto repair and replacement can be expensive.

Collision coverage helps pay for your vehicle repairs, towing, storage and more, even if you’re at fault.

Whether you hit another vehicle, object or the surface of the road, or you’re hit by a driver from out of province, collision coverage ensures your vehicle is repaired (and that you don’t have to chase after other drivers for payment!).

Comprehensive Coverage

Vehicles are at risk of more than crashes — non-collision loss or damage to your vehicle can come from:

Chipped windshield from falling or flying objects
Theft and vandalism
Falling trees or branches
Fire, earthquake, explosion
Hitting a domestic or wild animal
Weather—lightning, windstorm, hail, rising water

Comprehensive coverage helps offset the costs from these types of damage.

Personal Injury Protection (PIP) Auto Insurance Culver City

Personal injury protection (PIP) insurance covers your medical bills and lost wages when you or your passengers are injured in a car accident. PIP is optional in most states. However, 16 states require you to carry a minimum amount of PIP coverage. PIP insurance may overlap with your health or MedPay insurance, but there are times when multiple policies are recommended.

Contact our office today to ensure you’re covered!

Medical Payments Coverage

Medical payments (also known as medical expense or MedPay) coverage helps pay for medical and funeral expenses associated with auto accidents. It is an option available with auto insurance Culver City policies and usually covers expenses for the policyholder, passengers, and family members driving the insured vehicle at the time of an accident. The policy can also extend to cover any injuries you sustain outside of a car, as we’ll explain below. Coverage applies no matter who is at fault.

The best car insurance coverage for you

Determining how much auto insurance is best for you comes down to understanding your current economic circumstances and how the different types of coverage work together. Buying car insurance is inevitable if you own a car, so you’ll need to get the right coverage for your needs and your budget. The following table gives a quick summary of the types of insurance you should have.

As to how much coverage you should have will depend on your economic situation. High-net-worth individuals should get high liability limits, as in those well above the minimum mandated by the state. Read more about how much coverage you need.

How to find cheap car insurance

The best way to find cheap car insurance is to compare quotes from multiple companies. This can be done online, as most companies have quote tools that can be used to get auto insurance Culver City rates. Additionally, if you prefer to work with an actual person when looking for car insurance, you could talk to an independent insurance agent like FrontLight Insurance who can help you compare rates from multiple companies.

Type of Coverage	Should you have it?
Bodily injury liability	Required in every state except Florida
Property damage liability	Required in every state
Uninsured motorist	Required in 22 states and/or you do not have PIP or collision insurance
Collision and comprehensive	Recommended only if your car is worth more than $2,000
Personal injury protection/Medical payments	Required in 15 states and/or you do not have health insurance