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Auto Insurance 2017-12-12T20:06:36+00:00
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Auto Insurance

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Finding the right auto insurance policy can help get your car back on the road quickly when your car is damaged or destroyed by accident, fire, theft, or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

California- Understanding What Auto Insurance Is Right For You?

Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage – to pay for losses you cause others.

Deductible – When you get insurance, you agree to pay up to a certain amount out-of-pocket in case of a loss. This amount is called your “deductible.” The deductible you choose often affects how much you pay for your premium. For example, a higher deductible usually means a lower premium. In the case of a covered loss, you’ll only be required to pay your deductible, and the insurance company usually covers the excess, up to the applicable limit for that loss under your policy.

Emergency & Roadside Assistance – For auto, boat and personal watercraft, emergency assistance pays for the cost of towing or emergency service. For RVs, it also covers housing and transportation costs if your RV becomes uninhabitable and covers the loss of personal property in your RV. Some policies also provide roadside assistance for motorcycles.

 Uninsured/Underinsured Motorist Coverage- Pays for damages associated with bodily injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver, as defined by the law in the jurisdiction where the accident occurred, who is at fault. It also covers you if you are hit as a pedestrian.

Collision Insurance – Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision) – Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every situation is unique – talk to us today to find out how to get the best price and value on auto insurance for you.
Call For Free Quote 714.563.4333

ConXis Insurance Services Inc.

  • we look to establish a relationship with our clients
  • maintain a level of protection that gives peace of mind
  • we pride ourselves on educating our clients to make sure they know exactly what they are purchasing
  • continually seeking ways to improve our service and our market access
  • our primary obligation is to the client not the insurance company
  • we place the client’s interest first when negotiating coverage terms, assisting with claims and providing risk management advice
To grow with you and help you to stay on your personal path today, tomorrow and beyond…
Help manage the risk or our clients , by helping them recover from the unexpected, and to keep them on a path to realize their dreams…

What Our Clients Are Saying

I got my business & personal Auto insurance through ConXis Insurance Services, Chris is very knowledgeable and courteous. Chris takes the time to make sure I have the right coverage and the right price to give me peace a mind. Thanks for taking the time and explaining so many different coverages and options.
Josh M. - Yorba LInda
I contacted Chris after being dissatisfied with my current insurer State Farm. Chris was really helpful, and got me the insurance level I needed. Not under, not over but just the right amount of insurance for my needs. The process was painless and he was right there every step of the way.
Erich N. - Dana Point
I went to Chris for my auto insurance and he was very helpful. He pointed out somethings that I had in my current policy that were costing me a lot of money. I did not expect to get such a great rate!
Thomas J. - Orange
Very efficient and good with communication. Takes time to listen to the client and make sure they not only have the best price, but that they have the proper coverage for when you need the insurance. My family and I know we are safe and protected with Chris Hayes at ConXis Insurance Services Inc..
Chris S. - Placentia
I am very thankful that I had the chance to talk to Chris with Conxis Insurance Services Inc. He gets the best deals and everything gets done very fast! Will continue to go here in the future.
James H.
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