Auto Insurance
We’ve provided Auto Insurance from quality companies since 1989 – it’s one of our specialties. Whether you’re an experienced driver with a family of cars to insure, or a brand new driver looking for an affordable policy, we’ll sign you with a company that fits your needs.
Auto Insurance Coverage in Upland CA
At Haven Insurance Services, we’re fully equipped to offer you a wide array of auto insurance quotes for different coverage types available to you in Upland, CA. — everything that you might end up needing for your automobile. In the following section, you can find out more about all the options ready and waiting for you:
Comprehensive Insurance
This coverage pays for your vehicle repairs if it is damaged by anything other than a traffic accident. This includes theft, vandalism, the environment, etc. A good example would be a tree falling on the hood of your parked car.
Collision Insurance
This coverage pays for your vehicle repairs when involved in a traffic accident. The amount of compensation you receive will vary, depending on how much of the accident was your fault. If you are 0% at-fault, your insurance company should indemnify you entirely.
* These two coverage types usually come paired on an Auto Insurance policy, and are jointly referred to as “Comp’ & Collision” by the industry.*
Uninsured and Underinsured Motorist Insurance covers you for medical expenses and vehicle damages when the other party doesn’t have insurance, or doesn’t have enough insurance to cover the cost of damages.
*This coverage is required in most states, but can be excluded with a waiver.*
Medical Payments help pay minor medical expenses in an emergency; like an ambulance ride to the hospital. It should not be thought of as a substitute for a Health Insurance policy, as the coverage limits tend to be low.
Roadside Assistance offers towing and roadside car repairs if you find yourself stranded. Many companies offer this, such as SafeCo, AAA, and more.
Rental Reimbursement will cover the cost of a rental car for up to one month if your car is being repaired. Reimbursement can range from $30 to $75+ per day.


Auto Insurance Coverage Discounts
There are dozens of ways to save on an auto policy, but your best bet is with discounts. These discounts are commonly available from most insurance companies:
You could save if you haven’t haven’t had a claim or received a ticket within the last 3 years.
If you’re a student under the age of 25, maintain a B average (2.7 GPA) or higher to receive this discount.
Having more than one vehicle on your Auto Insurance policy qualifies for a discount. Adding even more vehicles to the same policy can save you big time!
Having more than one type of policy with your Insurance Provider will net you major savings. For instance, combining your Auto and Homeowners Insurance could potentially negate the cost of your Homeowners Insurance entirely.
Staying with the same Insurance Provider for 3+ years can earn you discounts for your loyalty.
Having your insurance premium withdrawn automatically each month will qualify you for an additional discount.
Having Umbrella Insurance in addition to your Auto, Homeowners, or Renters Insurance can save you money. This discount can be combined with the Multi-policy Discount as well.
Some Good Ideas
How Do I Know if My Liability Limits are High Enough?
If you’ve been to a hospital or mechanic recently, then you know that the bills can be through the roof! When we’re helping you compare auto insurance coverage options in Upland, CA, we’ll help you find the liability limits that work best for you. Often, the minimum limits required by states aren’t enough to keep you from having to pay a serious bill. At Haven Insurance Services, we suggest you carry at least $50,000 per person in basic liability coverage, a $100,000 per accident coverage cap, and an additional $50,000 coverage for property damages.
What About Deductibles?
One of the first things you should look for in any auto insurance quote is the deductible you’ll be responsible for. This represents the cash amount you might need to pay before your insurance policy will kick in and cover damages. In general, they can run between $250 and $2500. Having a higher deductible on your policy might mean that your monthly payments are lower, but a lower deductible can come in handy in a time of crisis, even if it means a higher monthly payment. Talk with us today to find out which option is best for you!
