Coverage Options We Offer
As an independent agency, we represent multiple carriers — which means we can match you with the right policy for your specific situation, whether you have a clean record, a teen driver, or a classic car in the garage.
Personal Auto
Liability, collision, comprehensive, uninsured motorist, and medical payments coverage for everyday drivers.
Teen & High-Risk Drivers
Coverage options for drivers who've been declined or priced out by standard carriers, including SR-22 filings.
Classic & Collector Cars
Agreed value policies through carriers like Hagerty, designed for vehicles with special or appreciating value.
Motorcycles & Recreational
Motorcycles, ATVs, motorhomes, trailers, and other recreational vehicles all on one policy if needed.
Commercial Auto
Business vehicles, fleet policies, and commercial trucks — coordinated with your business insurance for complete protection.
Non-Owner Coverage
Liability coverage for drivers who frequently borrow vehicles or use rentals but don't own a car.
Why Use an Independent Agent for Auto Insurance?
When you go direct to one company, you get one price. When you come to Pilcher Insurance, we run your information through multiple carriers — and you see the difference.
- We compare rates from Liberty Mutual, Mercury, Nationwide, Kemper, Bristol West, Foremost, and more
- We explain what you're actually buying — deductibles, limits, and what's excluded
- When you need to file a claim, we advocate on your behalf with the carrier
- Life changes (new car, new driver, moving) — we update your policy, no hold music required
- Multi-policy discounts when you bundle auto with home or umbrella
Factors That Affect Your Auto Rate
California auto insurance rates are determined by a combination of factors. Understanding these helps you make smarter coverage decisions:
- Driving record — violations and accidents within the past 3–5 years have the largest impact
- Vehicle make and model — repair costs, theft rates, and safety ratings all factor in
- Annual mileage — less time on the road often means lower premiums
- Coverage levels — California's minimum liability requirements are often insufficient for real-world accidents
- Deductible — higher deductibles lower your premium but increase your out-of-pocket cost per claim
Frequently Asked Questions
What is the minimum auto insurance required in California?
California requires a minimum of 15/30/5 — $15,000 per person, $30,000 per accident in bodily injury liability, and $5,000 in property damage. However, these minimums are often not enough to cover a serious accident. We typically recommend at least 100/300/100 with uninsured motorist coverage to match.
Can you help if I've been dropped by my carrier or have a poor driving record?
Yes. We have access to carriers that specialize in non-standard and high-risk drivers, including Bristol West and Kemper. We can usually find coverage when others can't — and we'll help you build a path back to standard rates over time.
Is it cheaper to insure a new car or a used car?
It depends. New cars cost more to repair and replace, so comprehensive and collision premiums are higher. But newer cars often have safety features that reduce liability rates. We'll run the numbers on your specific vehicle to show you the actual difference.
How do I add a teenage driver to my policy?
Call or email us and we'll add them immediately. Teen drivers do increase premiums — but we'll look for good student discounts, driver training discounts, and the right carrier to minimize the hit. It's also a good time to review your liability limits, since teen drivers increase risk exposure.
Do I need rental car coverage?
If your car is in the shop after an accident, rental reimbursement coverage pays for a rental — typically $30–$50 per day up to a set limit. It's inexpensive and worth having if you rely on your car. We'll walk you through whether it makes sense for your situation.