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      • Liquor Liability Insurance Quote
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      • Workers Compensation Quote
      • Home Health Care Quote
      • Residential Assisted Living Quote
  • Service
    • Certificate of Insurance
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Personal Insurance >
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Life/Financial >
        • Life Insurance
        • Umbrella Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Other >
        • Event Insurance
        • Sexual Abuse and Molestation Insurance
        • Travel Insurance
        • Wedding Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Assault and Battery Insurance
      • Insurance Bonds
      • Garagekeepers Insurance
      • Group Benefits
      • Liquor Liability Insurance
      • Towing Insurance
      • Workers Compensation
      • Home Health Care Insurance
      • Residential Assisted Living Insurance
  • About
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Auto Insurance

Get an auto insurance quote from our agency and you may save thousands of dollars a year. It only takes a few minutes to find out how much we can save you!

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What is Auto Insurance?

Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. 

Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.

Auto Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
  • Bodily injury liability - for injuries the policyholder causes to someone else.
  • Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
  • Property damage liability - for damage the policyholder causes to someone else’s property.
  • Collision - for damage to the policyholder’s car from a collision.
  • Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  • Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

Contact us to learn more about the right car insurance for you.
(866) 746-3044
10430 Twin Cities Road
Suite 280
Galt, CA 95632
Click Here to Email Us
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Spencer Insurance Group
10430 Twin Cities Road
Suite 280
Galt, CA 95632
(866) 746-3044
Click Here to Email Us

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Sacramento, California by drone photo by Quintin Soloviev | CC-BY-SA-4.0 | Website by InsuranceSplash