Frequently Asked Questions

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General Insurance

What types of insurance does Safer Insurance Agency offer?

Safer Insurance Agency offers a wide range of insurance products, including auto, home, renters, and commercial insurance. We also provide specialty insurance for boats, RVs, motorcycles, and more. Our goal is to help you protect the things that matter most.
How do I get an insurance quote?

Getting a quote is simple. You can request a quote through our website, give us a call, or visit one of our offices. We’ll ask for some basic information about what you need to insure and provide you with a personalized quote.
What information do I need to provide to get an insurance quote?

For auto insurance, you’ll need your driver’s license, vehicle information (make, model, year, VIN), and driving history. For home insurance, provide details about your property, including its value, age, and any security systems. Other insurance products may require specific information, which we’ll explain during your quote process.
How do I make changes to my policy?

You can update your policy by contacting one of our agents. Whether you need to adjust coverage, add a new vehicle, or change your beneficiary, we’re here to help you make any necessary adjustments.
How can I pay my insurance premium?

We offer flexible payment options, including online payments, automatic payments, and paying by phone or mail. You can choose a monthly, quarterly, or annual payment schedule that best suits your needs.

Auto Insurance

What is covered under auto insurance?

Auto insurance typically covers liability (injury and property damage to others), collision (damage to your vehicle), and comprehensive (non-collision-related incidents such as theft or natural disasters). You can also opt for additional coverage such as roadside assistance, uninsured motorist protection, and rental reimbursement.
Do I need full coverage auto insurance?

"Full coverage" refers to a combination of liability, collision, and comprehensive insurance. While not required by law, full coverage is highly recommended if you want to protect yourself against a wide range of risks. If you are leasing or financing a car, your lender may require full coverage.
What factors affect my auto insurance premium?

Several factors can impact your premium, including your driving history, vehicle type, age, location, credit score, and the level of coverage you choose. Discounts may also be available for maintaining a clean driving record or taking defensive driving courses.
Is auto insurance required by law?

Yes, in most states, including California, auto insurance is required by law. The minimum required coverage generally includes liability insurance for bodily injury and property damage. However, we recommend additional coverage for better protection.
What should I do if I get into an accident?

First, make sure everyone involved is safe and call the authorities. Exchange information with the other driver and gather evidence if possible (e.g., photos of the damage, witness information). Then, contact our claims department as soon as possible, and we’ll guide you through the claims process.

Homeowners Insurance

What does homeowners insurance cover?

Homeowners insurance typically covers the structure of your home, personal belongings, and liability protection. It can also provide coverage for living expenses if your home becomes uninhabitable due to a covered event such as a fire or storm.
Is flood insurance included in homeowners insurance?

No, standard homeowners insurance does not cover flood damage. You will need to purchase a separate flood insurance policy to protect your home from flood-related incidents.
How much homeowners insurance do I need?

It depends on several factors, including the value of your home, the cost to rebuild, and the value of your personal belongings. We recommend reviewing your policy annually and discussing your needs with one of our agents to ensure you have adequate coverage.
Is renters insurance necessary?

Yes, renters insurance is highly recommended. It protects your personal belongings against theft, fire, and other covered events. Renters insurance also provides liability coverage if someone gets injured in your rental property.
How much homeowners or renters insurance do I need?

The amount of coverage you need depends on the value of your property and belongings. We recommend a policy that covers the full replacement cost of your home or possessions. Our agents can help assess your needs and find the right level of coverage for you.

Commercial Insurance

What types of businesses does Safer Insurance Agency cover?

We provide insurance solutions for a wide variety of businesses, including retail, construction, professional services, and more. Our commercial insurance offerings include general liability, property insurance, workers' compensation, and business auto insurance.
What is covered under commercial insurance?

Commercial insurance can cover a variety of risks depending on the policy. General liability protects your business from claims involving bodily injury and property damage. Property insurance covers damage to your business property. We also offer specialized policies tailored to your industry’s needs.
How do I know if I need business insurance?

If you own a business, it's likely you need insurance to protect your assets, employees, and customers. Whether you run a small home-based business or a large company, we can help you find the right coverage.
What is general liability insurance?

General liability insurance protects your business from claims related to bodily injury, property damage, and personal injury that occur on your business premises or as a result of your business operations. It’s a critical part of protecting your business from lawsuits.
How do I know if my business needs workers' compensation insurance?

In most states, including California, workers' compensation insurance is required if you have employees. It covers medical expenses and lost wages for employees who are injured on the job. It also protects your business from potential lawsuits related to workplace injuries.

Instant DMV Services

What DMV services does Safer Insurance Agency, Inc. provide?

We offer a variety of instant DMV services, including vehicle registration, title transfers, duplicate titles, license plate renewals, and more. You can handle most DMV-related tasks at our office without having to visit a DMV location.
How does Instant DMV Service work?

Simply bring the necessary documentation to one of our locations, and we’ll take care of the paperwork for you. We offer fast, same-day service for most DMV transactions, making it a hassle-free way to manage your vehicle needs.
What do I need for vehicle registration?

For vehicle registration, you’ll need to provide proof of insurance, the vehicle’s title or registration certificate, and payment for registration fees. If you’re unsure, our team will help ensure you have everything you need to complete the process.
Can I renew my vehicle registration at your office?

Yes, you can renew your vehicle registration at our office, and we offer instant service so you can leave with your new registration and sticker in hand.
How much do your Instant DMV services cost?

Our fees vary depending on the type of service, but we offer competitive rates and convenience. For specific pricing on registration, title transfers, or other DMV services, please contact our office.
Do you offer assistance with out-of-state title transfers?

Yes, we can help with out-of-state title transfers. If you’ve recently moved to California or purchased a vehicle from another state, we’ll assist in transferring the title and registering the vehicle with the California DMV.
How quickly can I get my new title or registration?

Most DMV transactions are completed on the same day. Depending on the type of service, you can expect your new title or registration immediately or within a few days.

The information provided on Safer Insurance Agency, Inc.’s website, including insurance and DMV services FAQs, is for general informational purposes only. While we strive to ensure the accuracy and timeliness of the content, we make no guarantees, either express or implied, about the completeness, accuracy, or suitability of the information provided. Insurance Policies:Insurance coverage, terms, and conditions are subject to individual policy provisions and may vary based on your unique circumstances. The quotes, coverage descriptions, and answers provided on this site are meant to offer general guidance and do not constitute legal or financial advice. We encourage you to consult directly with one of our licensed insurance agents to review your specific needs and obtain a personalized recommendation. DMV Services: Licensed by the CA Department of Motor Vehicles (DMV) but not affiliated with the DMV. O/L 64725. While we strive to complete DMV transactions promptly, we cannot control DMV processing times, errors, or delays. Fees for DMV services may vary based on state requirements and the nature of the service requested. Safer Insurance Agency, Inc. assumes no liability for any errors or omissions in the content on this site or any decisions made based on the information provided. Users of this website are encouraged to verify any information obtained from this site before acting upon it. For specific advice on insurance products or DMV-related matters, please contact our office directly or consult with the appropriate legal, financial, or government authorities.