Call Us 209-928-3471 ☰ ˟
Logo
Call Us 209-928-3471
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Fun Facts
      • Our Staff
      • Our Locations
    • Blake Elliott Videos
    • Carrier Customer Support
    • Our Providers
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Specialty Auto Insurance
      • Rental Reimbursement
      • Mexican Auto Insurance
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Leave Management
      • Loss Control Insurance
      • Marine Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
      • Bonds
      • Fidelity Bonds
      • Surety Bonds
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
  • Make A Payment
  • Contact Us
    • Contact Us
    • Our Locations & Hours
Home > Products > Auto / Car Insurance - Tuolumne CA & Sonora CA

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote

Auto Insurance Information

Blake Elliott Insurance is Tuolumne’s trusted agency for personalized insurance policies. Our agency, unlike most large ones, has agents that will listen to your every insurance need and will go out of their way in assisting you with choosing the right coverage. We make it a priority to assure the customer they have the best plan for the future. 

When it comes to insurance policies, auto insurance is one that most people need. Auto insurance policies can differ greatly among car owners, though, so it’s important to know that our agency will help you determine the best policy for your specific situation. 

Common Auto Insurance Questions:  

 

What is auto insurance?  

Auto insurance is, in many ways, a contract between a car owner and an insurance agency that states the insurer will help assist financially in the case of an accident to help alleviate significant damage costs. The amount the insurance agency provides depends on the type of policy the car owner has. The benefit of auto insurance is that the driver can feel safe knowing that they’ll have financial assistance in the unfortunate case of an accident. 

How does auto insurance work?  

Costs tend to get very high for car accidents. Auto insurance is a guarantee that you will be assisted financially, in some type of way, to keep out-of-pocket costs down. Following an accident, you will file a claim and, depending on what you are responsible for, you’ll be given a certain amount of money to assist with damage costs. It’s important to have proper coverage to avoid paying hefty out-of-pocket costs. 

What does auto insurance cover?  

The average auto insurance policy can offer numerous benefits, including:  

  • Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:  

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance

 

Is auto insurance required?

Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b): $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property. Liability insurance compensates a person other than the policy holder for personal injury or property damage.

Collision, comprehensive and gap coverage policies might also be required for car owners who decided to finance their vehicles. 

Settling for the bare minimum coverage is something you will want to avoid, and our agency will assist you in picking the right coverage for you and your vehicle. 

What does auto insurance cost?  

Numerous factors can influence the cost of your auto policy, including:  

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year


Although there are some car owners who pay different prices for the same auto insurance policy, we assure you that we will use our knowledge and experience to assist you in finding the best, most reasonable coverage. 

What Are the Insurance Costs for Electric Cars? 
Insurance premiums for electric vehicles (EVs) may be higher than insurance for gasoline-powered vehicles. EVs have higher purchase prices than gasoline-powered cars, cost more to repair and are more easily damaged.  

When it’s time to insure your EV, be sure to shop around for the best possible rates. Your agent can help you identify reputable insurers offering the best EV insurance policies. 

How Can You Save When Insuring an Electric Car? 
While EVs are more financially accessible now than they were just a few years ago, they are still more expensive to insure than gasoline-powered cars. You may be able to reduce your auto insurance costs by talking with your agent about potential discounts.  

When shopping for an EV, talk with your accountant to learn about current local, state and federal tax incentives that may also reduce your total cost of ownership.  

Call us at 209-928-3471 or request your free quote to figure out the best auto insurance policy for you and your vehicle. 
 

You may also be interested in…

Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Make A Payment| Blog| About Us| Contact
18665 Carter St. | Tuolumne, CA 95379
Ph: 209-928-3471 | Fx: 209-928-3924
Social Social Social Social Social
Logo

Powered by Insurance Website Builder