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Personal and commercial auto insurance from local experts
Whether you're commuting to work on the freeway, driving kids to school, or operating a fleet of commercial vehicles, having the right auto insurance protects you financially and keeps you legal on California roads.
At Pinoy General Insurance Services, we help Southern California drivers find comprehensive auto insurance coverage at competitive rates. As an independent agency, we shop your coverage with multiple top-rated carriers to ensure you get the best combination of protection and price.
Get Your Free Auto Insurance Quote Today
📞 Call us at (562) 402 - 1737
📍 Visit our Cerritos office at 17304 Norwalk Blvd, Cerritos, CA 90703
Serving Southern California drivers since 1993 | Compare rates from multiple A-rated carriers in one easy conversation
Why Choose a Local Agent for Auto Insurance
Why Choose a Local Agent for Auto Insurance
In today's digital world, you have many options for buying auto insurance: online aggregators, 1-800 numbers, mobile apps, or working with a local independent agent. Here's why Cerritos drivers benefit from the local agency experience:
➡️Personal Service You Can Count On
When you call us, you speak with a real person in Cerritos who knows you by name—not a call center on the other side of the country. We build relationships with our clients because we're part of the same community. We see you at local restaurants, shop at the same stores, and understand the driving conditions and risks specific to our area.
➡️Independent Agency Advantage
Unlike captive agents who work for one insurance company and can only offer you that company's products, we're an independent agency representing multiple carriers. This means:
More choices – We shop your coverage with several companies, not just one
Better prices – Competition among carriers works in your favor
Unbiased advice – We recommend what's best for you, not what benefits one insurance company
Flexibility – If your current carrier raises rates, we can easily move you to a better option
One conversation, multiple quotes, best value. That's the independent agency advantage.
➡️Local Knowledge of California Requirements and Risks
California has specific auto insurance requirements and unique driving risks. We understand:
State minimum insurance requirements and why they're inadequate
Uninsured motorist coverage needs (California has many uninsured drivers)
SR-22 and FR-44 filing requirements and process
High traffic areas and accident-prone corridors in our region
How local factors affect your rates and coverage needs
Our local expertise ensures you have appropriate coverage for California driving conditions.
➡️Claims Support When You Need It Most
Nobody wants to deal with an accident, but when it happens, you want someone on your side. We guide you through the claims process:
Advise you on what to do immediately after an accident
Help you file your claim properly with all necessary documentation
Communicate with adjusters on your behalf
Advocate for fair treatment and prompt settlement
Answer questions throughout the process
You're not alone when you have a claim. We're with you every step of the way.
Understanding Your Auto Insurance Coverage Options
Auto insurance policies contain several types of coverage. Understanding what each covers—and what it doesn't—helps you make informed decisions about the protection you need.
Liability Coverage (Required by Law)
Liability insurance is the only auto coverage required by California law. It pays for injuries and property damage you cause to others in an accident where you're at fault.
Bodily Injury Liability – Pays medical expenses, lost wages, pain and suffering, and legal costs if you injure someone in an accident. California requires minimum limits of $15,000 per person and $30,000 per accident, but these minimums are dangerously low.
Property Damage Liability – Pays to repair or replace other people's property you damage in an accident. This includes other vehicles, buildings, fences, utility poles, and more. California requires a minimum of $5,000, which is inadequate for even minor accidents in today's world.
Recommended Liability Limits – We strongly recommend at least $100,000/$300,000/$100,000 coverage, and many clients choose $250,000/$500,000/$100,000 or even $500,000/$1,000,000 limits. The incremental cost of higher limits is modest compared to the financial protection they provide.
For additional protection, consider an umbrella policy that provides $1-5 million in excess liability coverage over your auto and home insurance.
Collision Coverage
Collision coverage pays to repair or replace your vehicle if it's damaged in an accident with another vehicle or object, regardless of who's at fault.
When Collision Coverage Pays:
Accidents with other vehicles
Single-car accidents (hitting a tree, guardrail, pole)
Rollover accidents
Hit-and-run accidents where the other driver isn't identified
Collision coverage pays up to your vehicle's actual cash value, minus your deductible. Common deductibles are $500, $1,000, or $2,500. Lower deductibles mean higher premiums; higher deductibles reduce your premium but increase your out-of-pocket cost if you have a claim.
Do You Need Collision? – If you have a car loan or lease, your lender requires collision coverage. If you own your vehicle outright, collision is optional but recommended for newer vehicles or vehicles you couldn't easily afford to replace out-of-pocket.
Comprehensive Coverage
Comprehensive coverage (sometimes called "other than collision") pays to repair or replace your vehicle if it's damaged by something other than a collision.
What Comprehensive Covers:
Theft and vandalism
Fire
Falling objects (tree branches, hail)
Animal strikes (deer, dogs, etc.)
Glass damage (windshield, windows)
Weather damage (hail, wind, flood)
Civil disturbances or riots
Like collision, comprehensive coverage pays up to your vehicle's actual cash value minus your deductible. Comprehensive deductibles are often lower than collision deductibles—many drivers choose $100 or $250 comprehensive deductibles because glass damage claims are common.
Do You Need Comprehensive? – Required by lenders if you finance or lease your vehicle. Recommended for all vehicles unless the vehicle is worth very little and you could easily afford to replace it.
Uninsured/Underinsured Motorist Coverage
California has a high percentage of uninsured drivers—some estimates suggest 15-20% of drivers on our roads have no insurance. Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protects you when an at-fault driver can't pay for the damage they cause.
Uninsured Motorist Bodily Injury (UMBI) – Pays your medical expenses, lost wages, and pain and suffering if an uninsured driver injures you. This coverage is crucial because if an uninsured driver hits you, your only option without UM coverage is to sue that driver personally—and uninsured drivers typically don't have assets to pay a judgment.
Uninsured Motorist Property Damage (UMPD) – Pays to repair your vehicle if an uninsured driver damages it. Some policies include a deductible; others don't.
Underinsured Motorist Coverage – Pays when an at-fault driver has insurance, but their limits are insufficient to cover your damages. If someone with minimum $15,000 liability coverage causes an accident that results in $100,000 in medical bills, UIM coverage pays the difference.
California law requires insurers to offer you UM/UIM coverage equal to your liability limits. We strongly recommend accepting this coverage—it's relatively inexpensive and provides critical protection on California roads.
Medical Payments Coverage (MedPay)
Medical Payments coverage pays medical expenses for you and your passengers injured in an auto accident, regardless of who caused the accident.
What MedPay Covers:
Emergency room visits
Hospital stays
Doctor visits and follow-up care
Surgery and medical procedures
Dental work needed due to the accident
Funeral expenses
MedPay is available in limits from $1,000 to $10,000 or more. It pays in addition to your health insurance and can cover deductibles, copays, and expenses your health insurance doesn't cover.
Why Consider MedPay – It provides immediate funds for medical expenses without waiting for liability determination. If you have high-deductible health insurance, MedPay can be especially valuable. It's also useful if you have passengers without health insurance.
Personal Injury Protection (PIP)
Personal Injury Protection is broader than MedPay, covering medical expenses plus lost wages and essential services. However, PIP is not commonly used in California (it's more common in no-fault states).
Rental Reimbursement
Rental reimbursement coverage pays for a rental car if your vehicle is in the shop due to a covered claim. Typical limits are $30-50 per day for up to 30 days.
This coverage costs just a few dollars per month and can save you significant inconvenience and expense if your vehicle needs repairs after an accident or comprehensive claim.
Roadside Assistance / Towing
Roadside assistance coverage pays for:
Towing to the nearest repair facility
Jump-starts for dead batteries
Flat tire changes
Lockout service
Fuel delivery if you run out of gas
This coverage typically costs $5-15 per year per vehicle and provides valuable peace of mind, especially if you have an older vehicle or drive long distances.
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