AUTO INSURANCE

The Best Rates For Any Driver

At Roman Insurance Services, we know that different drivers and different needs mean different policies.

Teen or student driver? Military with an out of state license? International driver? Need an SR-22? Looking for a good driver discount? Are you a teacher or first responder?

We can help!

We work hard to make sure that your specific needs are being met – correctly and at the best price possible.

That’s why we’re confident that our we can provide you the best coverage and the best value in the industry.

Get Started With A Quick, Free, No-Obligation Quote Today!


WHAT YOU NEED TO KNOW ABOUT AUTO INSURANCE

The Basics:

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When you apply for auto Insurance in San Diego, you’re usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.

Auto Insurance Coverage options in California:

Comprehensive and Collision
Collision coverage insures you against damage to your vehicle caused during an accident.

Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Comprehensive and Collision coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company will pay for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.

Medical Payments coverage
This will protect you if you need medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Uninsured/Underinsured Motorist coverage
If you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries this policy will cover you. It will also cover you if you are in an accident with a hit-and-run driver.

Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. 


How much coverage do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

Do I need an SR-22?
An SR-22 is not actually insurance, but rather a certification that an insurer files to vouch for a risky driver. If you have been ordered to obtain an SR-22, it verifies that you have insurance with the minimum liability coverage. Common reasons for needing an SR-22 include:
DUI or DWI
Too many points or tickets on your record
At fault accidents while driving with no insurance
To get your license reinstated if it has been suspended or revoked