24 HOUR
Customer Service
619-670-1000

Client Convenience Site

Earthquake Insurance
Information

Testimonials



Most Transactions Completed via Phone,
Fax or Email

VISA, MasterCard & Debit Cards
Accepted
or
Checks Processed
by Phone



Call us anytime for a quote
619-670-1000

AUTO INSURANCE INFORMATION


  • Overview
  • Get a
    Quote
  • Auto Insurance
    Coverages
  • How Much Coverage
    Should I Have
  • How to get your
    Policy started
  • Other GOOD TO
    KNOW things...

Auto Insurance Quotes are available
24 hours a day at
619-670-1000

(or click the Get a Quote tab)

Auto Insurance

Our company has been in the business of providing excellent automobile coverage at an affordable price since 1922. Responding to our customers' needs keeps us the leader in auto insurance. In California, if you want to drive your own vehicle, you must be insured.

Auto Insurance is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people's property and your car. It can also help protect you in the event of an automobile-related lawsuit.

What Does All This Mean to You?

  • Quick quotes
  • Inexpensive policies
  • Provides Full Cost to Replace car if totaled in the FIRST YEARcarInsImage
  • We offer MANY DISCOUNTS
    • Good Driver
    • Good Student
    • Senior (Mature Driver)
    • Multiple Car
    • Multiple Lines
    • Passive Restraint/Air Bag
    • Vehicle Safety
    • Driver Safety
    • Persistency/Loyalty
    • Drivers Education
  • Does not have strict permissive use restrictions
    • Coverage limits THE SAME for drivers other than insured
  • Use/offers OEM parts during repairs
  • Flexible payment plans Low monthly charges for payment plans
  • No Finance Charges
  • Only two mileage classification bands
  • Offers wide range of policy discounts Implemented three consecutive rate decreases in 2004, 2005, and 2006
  • Low DOI complaint ratio Strong financial rating No membership or broker fee required
  • Offers 14 days automatic coverage on all newly acquired vehicles
  • Policies can be defined over the phone and processed via e-mail and/or fax.
  • Insurance cards can be delivered via e-mail or fax in less than 30 minutes.
  • Why us? · GREAT Coverage and Low Cost!
    • Customer Service the makes us a #1 Agency·
    • Easy to remember phone Number to our San Diego Agency 619-670-1000
    • E-Mail solutions: Applications, Policy changes, Insurance Cards are all quickly facilitated via e-mail or web.
  • Low Cost and FAST proof of insurance delivery.
  • Low to NO required down payment·
  • No Social Security Number required.·
  • When you need a voice that can get through the red tape- An AGENT is your advocate!
  • Choose an Agent… Choose an Agency that you can contact… Choose Dennis Volz… 619-670-1000
  • California Auto and Car Insurance

 

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Other Insurance Resources
Auto Insurance
Homeowners Insurance
Renters Insurance
Carlsbad Auto Insurance
Descanso Auto Insurance
El Cajon Auto Insurance
Encinitas Auto Insurance
Jamul Auto Insurance
La Mesa Auto Insurance
Lakeside Auto Insurance
Oceanside Auto Insurance
Rancho San Diego Auto Insurance
San Diego Auto Insurance
Santee Auto Insurance
Spring Valley Auto Insurance
Carlsbad Homeowners Insurance
Descanso Homeowners Insurance
El Cajon Homeowners Insurance
Encinitas Homeowners Insurance
Jamul Homeowners Insurance
La Mesa Homeowners Insurance
Lakeside Homeowners Insurance
Oceanside Homeowners Insurance
Rancho San Diego Homeowners Insurance
San Diego Homeowners Insurance
Santee Homeowners Insurance
Spring Valley Homeowners Insurance
Carlsbad Renters Insurance
Descanso Renters Insurance
El Cajon Renters Insurance
Encinitas Renters Insurance
Jamul Renters Insurance
La Mesa Renters Insurance
Lakeside Renters Insurance
Oceanside Renters Insurance
Rancho San Diego Renters Insurance
San Diego Renters Insurance
Santee Renters Insurance
Spring Valley Renters Insurance

 

ON THE PHONE:
CALL US at 619-670-1000 24 hours a day for an
Auto Insurance Quote

~~or~~

IN PERSON:
STOP BY AND SEE US at 10791 Jamacha Bl, Spring Valley, CA
for an Auto Insurance Quote

~~or~~

Or drop me an email at:
DennisVolz at Gmail dot com

Of course you can always send us a post card at:
PO BOX 1961
Spring Valley, CA 91979

Auto Insurance Coverages

  • General
    Information
  • Liability
    Coverage
  • Medical
    Coverage
  • Comprehensive
    Coverage
  • Collision
    Coverage
  • Uninsured
    Motorist
  • Other
    Coverages

General Insurance Information

What is a deductible?

A deductible is the part of a covered loss that you have agreed to pay with your own money.
If you file a claim against your insurance, you will pay only the amount of the deductible. Your insurance company will pay the rest - up to your coverage limit.
When choosing a deductible, you must decide how much you would be willing and able to pay out-of-pocket, if you ever had to file a claim.

Typically, higher deductibles mean lower premiums.

Who does my auto insurance policy cover?

An Auto Insurance policy typically covers:

  • You and your spouse
  • Relatives who live in your home
  • Other licensed drivers who have permission to drive your insured vehicle.

Types of auto insurance coverage

An Auto Insurance policy generally consists of several kinds of coverages. Click each of the TABS above to get more details about each of the coverages you might consider.

California Auto Insurance: The Basics

California requires every driver to possess liability insurance. Liability pays for damages you may cause while operating your motor vehicle. California state minimums are fifteen thousand dollars for medical expenses per person, thirty thousand dollars for medical expenses per accident and five thousand dollars for property damage (their car, their house, the street lamp or whatever you happen to hit). We recommend that you carry considerably more than these limits.

For additional information regarding California auto insurance call the California Department of Insurance at 800-927-HELP (4357) or visit their website at www.insurance.ca.gov.

 

Liability Coverage

Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.

Auto liability coverage falls into two categories:

1. Bodily Injury Liability - which covers medical expenses, pain and suffering, lost wages, and other special damages.
2. Property Damage Liability -- which covers damaged property, and may include loss of use.

Liability coverage also pays legal defense and court costs.

California state law dictates the minimum amounts of insurance required, but higher amounts are available.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Medical Payment Coverage

It pays medical and funeral expenses for covered persons when those expenses are related to an auto accident.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Comprehensive Coverage

This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.

Examples of this type of damage or loss include:

  • Fire
  • Wind
  • Hail
  • Flood
  • Vandalism
  • Theft
  • Hitting an animal

A deductible may apply.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Collision Coverage

This coverage helps pay for damage to a covered vehicle caused by:

  • Collision with another vehicle
  • Collision with an object
  • A vehicle rollover

A deductible is required.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Uninsured Motorist Coverage

This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance

In California this coverage also pays for property damage.

Underinsured Motorist

This coverage pays for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Summary of Other Coverages Available

  • Towing
    and Labor
  • Rental
    Reimbursement
  • Auto Death
    Indemnity
  • Auto
    Disability

Emergency Road Service

This coverage pays for having your auto towed due to a breakdown. Coverage also pays for services rendered at the site such as changing a tire or jump starting the vehicle. Coverage also pays for the service of bringing necessary items such as gas, water or oil, but not for the cost of these items.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Rental Reimbursement

This coverage pays for renting a car when your auto is disabled due to an auto accident.

Daily allowances or limits vary. There are several daily limits available as well as an 80%. Daily Limits will pay a set amount for the rental of your replacement vehicle ($20, $35, $50). The 80% option will pay for 80% of the daily cost of the replacement vehicle.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Auto Death Indemnity Coverage

It pays a death benefit similar to a life insurance policy when death is the result of an auto related incident.

Auto Death Indemnity is another coverage that is commonly offered. It provides coverage for death when caused by an automobile. It should never be used as a substitute for a good life insurance portfolio. Auto Death Indemnity can insure the principle operators of the vehicle and some companies also offer coverage for the children and other relatives of the insured that reside in the household. This coverage can also provide compensation for dismemberment; the loss of a hand or an arm as the result of an auto accident.

Remember, these life benefits only pay for losses that are auto related. If you are killed or disabled because you fall from a tree or drown while swimming for instance, these benefits will not pay. Some people are in either temporary or permanent situations that prevent them from buying basic life insurance coverage. This coverage can offer some coverage but should be backed up with the more traditional forms of life insurance whenever possible.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Auto Disability Coverage

We also offer Auto Disability coverage. This is the coverage that is designed to replace part of your paycheck if your are disabled in an auto accident and are unable to perform your normal occupation. The conditions of this coverage are usually very limited and should not be used as a substitute for an adequate disability insurance program.

Remember, these disability benefits only pay for losses that are auto related. If you are disabled because you fall from a tree or on the ski slopes for instance, these benefits will not pay. Some people are in either temporary or permanent situations that prevent them from buying basic disability coverage. This coverage can offer some coverage but should be backed up with the more traditional forms of health and disability insurance whenever possible.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

 


 

 

 


Consider the following three questions
with the help of your agent:

1) How high should my liability coverage limits be?

No one can predict exactly how much you would have to pay if you were to cause an accident.
Ask yourself how you would pay for any damages exceeding your coverage limits.
The higher your liability coverage limits are, the more likely your policy will be able to pay all of the damages.

2) How high or low should my collision and comprehensive deductibles be?

Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs.
Ask yourself how much you would be willing and able to pay on short notice in order to save on your premium.

3) Should I carry collision and comprehensive coverage?

You may be required to carry collision or comprehensive coverage if your vehicle is leased or financed.
Once you have paid off your car, and its value decreases, you might consider dropping these coverages to save money on premiums. Consider, though, whether the savings would be enough to offset the risk of having to pay the entire cost of repairing or replacing the vehicle.

For a more comprehensive discussion of this subject, visit our San Diego Insurance Blog and read -
10 Ways to Beat the High Cost of Auto Insurance --Part 1 and Part 2


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How to get your policy started

  • Information We'll
    Need to get you Started
  • About Your
    MVR
  • Payment
    Options
  • How much
    Money to Start?

Information We'll Need to Get You Started

Here's a little insight into some of the information you'll need to have ready to get your insurance policy started.

Your Venicles:

  • Year / Make / Model
  • Vehicle ID Number (VIN)
    • That's the LONG number on your registration or on the dash or door panel
  • Leinholder Name and Address (if you're still making payments)

You:

  • Name as it appears on your drivers license
  • Date of Birth
  • Drivers License Number
  • Accurate indication of your driving record (we'll check this later for you, but best to know as much as we can up front)
    • Tickets and Accidents for 3 years
    • DUI or Reckless for 10 years.

Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

About Your MVR (Motor Vehicle Record)

We will run a check of your Motor Vehicle Record. Results will be applied to your policy.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

Payment Options

We have several convenient payment options to meet your budget and personal preferences.

Semi Annual Payment

Simply pay your semi-annual payment in one payment.

50/50 Payment

When you receive your semi-annual billing, just pay half of it. The second half will be due 60 days after your renewal. (a $2 charge is added to the second half as a service charge)

Monthly

Split your semi-annual billing in to six convenient monthly payments. (a $3 monthly service charge applies)

Automatic Monthly Payment

Same as the monthly but we'll conveneintly draft the monthly amount from your checking account: Same day, Every month. (a reduced $1 service charge applies)


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

How much money do I need to get started?

For all payment options except the Automatic Monthly Payment Option, you'll need a minimum of 1/3 of your 6 month premium to get your policy started.

If you choose the Automatic Monthly Payment Option, you'll only need one month (or 1/6 of your 6 month premium) to get started. There's always a $2 set up fee added to the monthly plans.

This content is only a general description of coverages and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and any endorsements.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979

 

What affects the price of Auto Insurance?

The price of auto insurance varies by company and by:

What you buy

* How many coverages you buy
* The deductibles

What kind of car you drive

If you are buying or selling a car, you will need to re-evaluate your auto insurance needs. Generally, the more expensive the car, the more you pay.

Where you drive

Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.

How much you drive

People who use their car for business and long-distance commuting normally pay more than those who drive less.
Your age, sex and marital status. Accident rates are higher for all drivers under age 25, especially young males and single males. Insurance prices in most states reflect these differences.

Your driving record

Drivers who cause accidents generally must pay more than those who are accident-free for several years.
Your credit history. Studies have shown that credit history is a powerful predictor of future auto insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate.

What can I do to save money on my auto insurance?

If you're shopping for a car, consider how your choice will affect premiums.

Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.

Ask about discounts for good students, insuring more than one vehicle, accident-free driving, and others.

Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your premiums.


Dennis Volz Insurance Agency
Insurance for the Times of Your Life

OFFICE: (619) 670-1000
FAX: (619) 670-1121
CELL (619) 339-1339

10791 Jamacha Bl, Suite 1
PO BOX 1961
Spring Valley, CA 91979