We build auto policies that match your real-life risks and driving habits:

• Bodily injury & property damage liability

• Comprehensive (theft, fire, vandalism, weather)

• Collision (your car in an accident, regardless of fault)

• Uninsured/underinsured motorist

• Medical payments or PIP (personal injury protection)

• Rental reimbursement

• Roadside assistance

• Custom equipment or classic car endorsements

• SR-22 filings (if required)

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👥 Who We Insure

• Daily commuters

• Low-mileage and occasional drivers

• Families with teen or college-aged drivers

• High-risk or recently licensed drivers

• Classic and collector car owners

• Drivers with rideshare (Uber/Lyft) needs

• Small business owners with personal-use vehicles

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💸 Available Discounts

We proactively look for every discount you may qualify for:

• Multi-policy (home + auto + umbrella)

• Safe driver or accident-free

• Low mileage (especially with annual odometer readings)

• Good student (for high school or college drivers)

• Defensive driving or traffic school completion

• Vehicle safety features (airbags, anti-lock brakes, alarms)

• Multi-vehicle households

• Loyalty or early quote discounts

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🙋 Frequently Asked Questions

How much liability coverage do I need?
We recommend limits that protect your assets—not just the state minimum. Let’s review your full exposure and set up proper protection.

What if my teen gets their license?
We can compare options, walk you through rating factors, and potentially apply student or safe-driving discounts.

Do you insure vehicles used for business?
If you're using your car for deliveries, client meetings, or job-related travel, we may need to look at a commercial auto policy. We'll advise the right path.

Can I lower my rate by reporting mileage?
Yes—many carriers reward low-mileage drivers. We can help you verify and submit odometer readings.

Is roadside assistance worth it?
It’s usually inexpensive and provides peace of mind. Towing, jump starts, and lockouts are all covered.

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🔁 Bundle & Save

You can often reduce your premiums when you bundle auto with:

• Home or renters insurance

• Umbrella liability

• Earthquake or specialty policies

• Jewelry and personal articles

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📞 Let’s Hit the Road with the Right Coverage

We don’t just issue policies—we walk through your actual driving habits, help you understand your risks, and give you options that work for your lifestyle and budget.

Call: 805-328-5001
Email: info@aecriskmanagement.com