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Personal Auto Insurance order in Laguna Hills
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Personal Auto Insurance

Personal Auto Insurance

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USA, Laguna Hills
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Description
EMC's personal auto policy protects you, your family and your car—all at an affordable cost. Our personal auto insurance offers coverage for:
  • Liability (includes bodily injury and property damage)
  • Medical payments
  • Personal injury
  • Uninsured/Underinsured motorists
  • Uninsured motorists property damage
  • Collision
  • Other than collision (comprehensive)
  • Towing
Optional Coverages
  • Optional limits transportation expenses
  • Increased limits for excess sound reproducing equipment
  • Audio, visual and data electronic equipment
  • Tapes, records or other media
  • Auto loan/lease
  • New vehicle replacement
  • Original equipment manufacturer (OEM) parts coverage

Personal Lines Advantage
When you insure both your home and auto with EMC, you benefit from these additional free coverages:

  • Single (Highest) Deductible—Applies if both auto and home are involved in the same loss
  • Pet Medical—Covers up to $500 for domestic cats or dogs that are injured or killed due to a covered loss in either the home or the car; no deductible applies
  • Emergency Lockout Coverage—Pays up to $200 for reasonable expenses incurred for services needed to gain entry into a covered auto or residence premises if keys have been stolen or disabled, or if locked in the covered auto or residence; no deductible applies

Premium Discounts
EMC offers several discounts* that can make a significant difference in your auto insurance premium:

  • Bonus Renewal Plan—Available if you insure your auto with EMC for three consecutive years; waives surcharges for your first at-fault accident
  • Combination Policy Discount—Available when you insure both your auto and home with EMC
  • Multi-Car Discount—Available if you insure more than one auto under the same policy
  • Electronic Funds Transfer (EFT)—Available to policyholders who elect to have their direct-billed policies paid monthly by EFT
  • Accident-Free Discount—Rewards you for a good driving record
  • Additional Discounts
    • Defensive driving discount
    • Good student discount
    • Antitheft device discount
    • Passive restraints discount
    • Antilock braking system discount
    • Senior operator accident prevention course

* Policy premium discounts may vary by territory.

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Personal Auto Insurance
Personal Auto Insurance
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