Auto Insurance That Fits How You Actually Drive

Coverage matched to your life — compared across carriers by a local agent who knows the roads you're on.

Stop Guessing at Your Policy

If you haven't reviewed your auto coverage in a few years, there's a good chance it no longer reflects how you drive, what you own, or what you'd actually need if something went wrong. We hear this regularly from drivers across the Inland Empire — paying for coverage that doesn't fit, or carrying minimums that leave them exposed on one of the busiest freeway corridors in Southern California.

 

As an independent agency, we compare auto insurance quotes across multiple carriers rather than steering you toward a single company's plan. That means you get coverage matched to your situation — not a policy built around someone else's commission.

California Auto Insurance Requirements — and What They Don't Cover

California requires all drivers to carry minimum liability coverage: $15,000 per person and $30,000 per accident for bodily injury, plus $5,000 for property damage. These minimums have been in place for years and, in many cases, fall well short of what a serious accident on the I-10, 210, or 15 freeway can actually cost.

 

Beyond the state minimums, there are several coverages worth understanding:

 

  • Collision coverage pays for damage to your vehicle after an accident, regardless of fault.
  • Comprehensive coverage covers non-collision losses — theft, weather damage, fire, and vandalism.
  • Uninsured/underinsured motorist coverage steps in when the other driver doesn't have enough insurance to cover your losses. California has one of the highest rates of uninsured drivers in the country, making this coverage particularly relevant here.
  • Medical payments coverage helps with medical expenses for you and your passengers after an accident.
  • Rental reimbursement covers a temporary vehicle while yours is being repaired.

 

We walk through each of these with you so you understand what you're buying — and what you're not.

Bundle Auto With Home or Renters and Pay Less for Both

One of the most straightforward ways to lower your auto insurance premium is to bundle it with another policy — home, renters, condo, or umbrella. Most carriers offer meaningful discounts when you consolidate, and because we work across multiple carriers, we can find the combination that delivers the best overall value for your household.

 

If you're already a Nauertz client with a home or renters policy, ask us to run a bundled quote. If you're new to us, we'll look at everything together from the start.

A Real Person to Call After an Accident — Not a Hotline

When something goes wrong on the road, the last thing you want is to navigate a call center queue and explain your situation to someone who has never heard your name. At Nauertz Insurance Agency, you have direct access to a licensed local agent who knows your policy and can help you move quickly when it matters.

 

We've been serving the Inland Empire for over 33 years, and our clients have our number. That's not a feature we advertise — it's just how we've always worked.

Have Questions? We're Here to Help

Reach out to a licensed local agent for straightforward answers, no pressure and no call center.

Common FAQs

Frequently Asked Questions About Auto Insurance

  • How much car insurance do I need in California?

    California's legal minimums are a starting point, not a recommendation. Given traffic density on corridors like the I-10 and 210, and the high rate of uninsured drivers statewide, most drivers benefit from carrying higher liability limits and adding uninsured motorist coverage. We can help you determine what makes sense based on your vehicle, your commute, and your financial situation.

  • How do I file a claim after an accident?

    Contact us directly and we'll help you initiate the claim with your carrier. You can also call your carrier's claims line directly — your auto ID card will have that number. We recommend documenting the scene with photos, exchanging information with the other driver, and calling us before you sign anything or make a recorded statement.

  • How do I get a copy of my auto insurance ID card?

    Most carriers provide digital ID cards through their mobile app or online portal, which are accepted in California as proof of insurance. If you need a physical card or have trouble accessing yours, contact our office and we'll get it to you promptly.

  • Can I get a car insurance quote in the Inland Empire without switching everything over at once?

    Yes. We're happy to run a quote and compare it against what you're currently paying. There's no obligation to switch, and we'll give you a straight answer about whether we can improve your coverage, your price, or both. Does bundling auto with home insurance actually save money? In most cases, yes — carriers typically offer a multi-policy discount when you combine auto with a home, renters, or condo policy. The exact savings vary by carrier and coverage level, but it's one of the first things we look at when building a quote for a new client.

Get a Car Insurance Quote From a Local Inland Empire Agent

We've been helping drivers in Upland and across the Inland Empire find the right auto coverage since 1991 — backed by a family-owned agency with roots going back to 1931. Whether you're shopping for the first time or haven't compared rates in years, we'll give you a clear picture of your options without the pressure.