Mendoza Insurance
Automobile Insurance
Automobile insurance is a need, not a want. Do you have the right amount of coverage? Our office can personally review your policy to make sure it fits your individual need. We offer many discounts that include (but are not limited to):
- Good Driver
- Good Student
- Multi-Car
- Antilock Brakes
- Business and Professional Groups
- Auto/Home
What limits of insurance do I need?
Every state requires you to purchase a minimum amount of liability coverage. If you’re found legally responsible for bills that are more than what your insurance covers, you will have to pay the difference out of your own pocket. These costs could wipe you out! We find that most customers want to purchase better coverage than the minimum liability coverage required by the state.
What is liability coverage?
You never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection against financial loss.
Insurance is more than just protecting you from financial loss…
Could you afford to buy a new vehicle if your vehicle was totaled in an accident? Comprehensive and Collision coverage allow you to replace or restore your vehicle if there is vandalism, glass damage, hit and run or you were the one at fault for the accident.
If you were involved in an accident would your policy have…
Rental Car Coverage
We usually think about renting a vehicle for a vacation or a fun road-trip. We don’t always anticipate that we may need a vehicle because we get into an accident. While your vehicle is in the repair shop we can provide you a rental car to ease the inconvenience.
Medical Payments Coverage
Medical Payments Coverage makes sure you’re protected against the income losses caused by medical and funeral expenses. You might have a major medical plan through Anthem Blue Cross or Blue Shield but this coverage would help pay for your deductible or co-pays.
Property Damage Coverage
Are you covered if you’re responsible for damaging someone’s house? What about their fence or their vehicle? If you have Property Damage Coverage, it will pay for the damages that you cause when you are at fault.
Towing Services
There isn’t a feeling much worse than the one you get when you’re stranded and don’t know where to turn. Farmers Farmtow® provides the services to tow your vehicle, jump start your vehicle, replace a flat tire.
Glass Repair and Replacement
This endorsement allows you to have bulls eyes fixed for free and if the damage is too large to fix, we can replace your windshield for just $100.00.
Uninsured/Underinsured Motorist Coverage
You know that you have insurance coverage but what about the “other guy”? What if the other guy doesn’t have enough insurance? Uninsured/Underinsured Motorist Coverage protects you from the “other guy” and those other variables.
Do I need a commercial auto insurance policy?
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure.
- Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, which will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.
- If you have a personal umbrella liability policy, there’s generally exclusion for business-related liability. Make sure you have sufficient auto liability coverage.
- The Insurance Information Institute (I.I.I.) recommends that you have $100,000 of bodily injury protection per person and $300,000 per accident. If your net worth is more than $300,000, consider buying additional liability insurance. You may also consider purchasing an umbrella or excess liability policy. These policies pay when your underlying coverage’s are exhausted.
- In addition to liability coverage, consider buying collision and comprehensive coverage. You don’t decide how much to buy. Your coverage reflects the market value of your car and the cost of repairing it.
- Decide on a deductible—the amount of money you pay on a claim before the insurance company reimburses you. Typically, deductibles are $500 or $1,000; the higher your deductible, the lower your premium.
About Mendoza Insurance
Frank Mendoza Insurance Agency offers a combined 40 years of insurance knowledge to make sure your insurance plan is right for you. Your lifestyle and your financial situation are not the same as anyone else's and because everyone's insurance needs are different, we make every effort to specialize your insurance program to you as an individual.
Since we provide a range of products from automobile insurance to health coverage we can offer you the security of being protected when you need it most.
Personalized service is what we specialize in. Read more
Contact Us
1108 Sheridan Avenue
Chico, CA 95926
(530) 895-1086
(530) 894-6166 Fax