Auto <span>Insurance</span>

Auto Insurance

Wilson Insurance Brokers, an independent insurance agency located in San Diego since 1978, can help you determine the best auto insurance coverage for your personal needs. As an independent agency, we represent many of the nation’s top rated auto insurance companies. We can evaluate all of your automobile insurance needs and provide you with free auto insurance quotes from many highly rated insurance companies.

Wilson Insurance Brokers can compare your current auto insurance policy with other auto insurance policies now on the market. As auto insurance costs continue to rise, you owe it to yourself to find ways to reduce your car insurance premiums. Here are some ideas you may want to consider to buy more affordable auto insurance:

  • Check several companies’ rates. This is the single most important thing you can do to get the best possible rate – and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
  • Reduce or remove Collision and or Comprehensive coverage on an older car. Depending on your car’s age, where you live, and how you drive, coverage on your vehicle may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
  • Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive premium by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. Wilson Insurance Brokers can show you how raising your deductible will lower your premium.
  • Look for discounts. Many auto insurance companies reduce premiums for several driver traits or car features. For example: being a homeowner, a student with good grades, senior citizen, a person who only drives less than 5,000 miles annually, or having a car with antilock brakes, antitheft devices, air bags, etc. can actually reduce the amount you pay for your auto insurance.We will review all of these traits for you to make certain you receive the top discounts to which you may be qualified for on your auto insurance.
  • Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by different companies. The comparative analysis that we will perform for you will make sure you know what your best options are.



Buy as much liability and property damage as you can afford. This protects your financial security. The cost is usually very low to raise these limits.

The minimum Bodily Injury limits for the state of California are 15/30/10 also known as split limits. This means the most your policy will pay to any one injured person for bodily injury is $15,000 in any one occurrence. However, no matter how many persons are injured in the same occurrence, the most the policy will pay in total for bodily injury liability due to that one occurrence is $30,000. So, the $15,000 limit is within the $30,000 limit, NOT in addition to it.

The $10,000 minimum limit for Property Damage liability is a separate limit. It does not apply per person but per occurrence. The most the insurer would pay under this policy for ALL Property Damage caused by any one occurrence is $10,000.


Protects you against bodily injuries sustained by you and your passengers from an accident caused by an uninsured motorist. An uninsured motorist is defined as a hit-and-run driver, one whose insurer has gone bankrupt and one who does not carry the state minimum limits. You can carry UM/BI limits as high as your BI/PD limits.


Pays up to $3,500 or waives your current collision deductible to repair your vehicle if you are hit by an uninsured motorist that causes the accident and damage is done to your vehicle. The premium is minimal and it pays for damage to your vehicle that you did not cause.


This covers you and any passengers in your car. Limits are available from $1,000 to $10,000 per person and it is a no-fault coverage. Medical coverage for guests riding in an insured vehicle is paid 100% up to limit of liability purchased!


Coverage for your car for any damage other than collision damage (i.e.: fire, theft, vandalism, broken windshield damage).

Some carriers offer Glass Deductible coverage that will reduce your deductible for broken glass to $50 or $100. This is because broken windshields are the most common comprehensive claim.


This coverage pays for repairing your car if damaged in a collision. A collision covers colliding with another object, rollover or upset. It is good practice to buy as high as a deductible as you can self-insure for.

***Your Comprehensive and Collision deductibles are part of the loss that you are responsible for paying. Deductibles typically range from $100 to $5,000. Make sure that your deductible is something you can afford if a loss occurs***


Pays $25 up to $50 depending on your individual rental coverage plan a day up to 30 days toward a rental car. When your car is in the shop as a result of a covered loss. You must carry collision coverage to qualify for this coverage.


Pays to have your vehicle towed to the nearest place of repair should your vehicle break down, you have a flat, need a jump start, or even to get the keys out of a locked car. This coverage is also very minimal depending on the age of the vehicle.


If you are leasing a private passenger automobile for a period of 12 months or longer that hasn’t been previously titled, your vehicle may be eligible for Lease Gap Coverage. Like Loan Gap insurance coverage, Lease Gap Coverage protects you if the actual cash value of the vehicle at the time of an accident or theft is less than the amount you owe. Lease Gap Coverage prevents you from having to pay this difference out-of-pocket.

We are here to help with all of your insurance needs