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Protect Your Vehicle. Drive With Confidence.
Auto Insurance in San Diego & Chula Vista
From accidents to uninsured drivers, Auto Insurance helps safeguard your car and your finances — so you can stay on the road with peace of mind. Preferred Property & Casualty has over 25 years of experience helping California drivers find the right coverage at the right price.
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What’s Covered
Trusted by Drivers Across California
Liability Coverage
Covers bodily injury and property damage you cause to others in an at-fault accident — required by law in California.
Uninsured / Underinsured Motorist
Protects you and your passengers if you’re hit by someone with too little or no insurance.
Comprehensive Coverage
Covers damage from theft, vandalism, falling objects, fire, or weather — even if no other vehicle is involved.
Collision Coverage
Pays for repairs or replacement if your car is damaged in a crash, regardless of fault.
Medical Payments / Personal Injury Protection
Helps cover medical bills for you and your passengers after an accident — regardless of who caused it.
Built for California Drivers and Families
Smart Protection for Your Everyday Vehicle
From daily drivers to family cars and teen drivers, we build policies that reflect how you actually use your vehicle.
Coverage That Goes Beyond the Basics
We offer enhanced protection, including roadside assistance, rental reimbursement, and coverage for custom parts or high-value vehicles.
Local Experts. Flexible Options. Competitive Rates.
As an independent agency, we shop top carriers and help you find a plan that balances price and protection.
Common Questions
Is auto insurance required in California?
Yes. The state requires minimum liability coverage — but we recommend broader protection to avoid large out-of-pocket costs after an accident.
What’s the difference between liability, comprehensive, and collision?
Liability covers damage you cause to others. Comprehensive handles non-crash damage. Collision covers damage to your car from a crash.
What if I’m hit by an uninsured driver?
Uninsured/underinsured motorist coverage helps pay for your injuries or damage if the other driver can’t.
Let’s Get You Covered
We make auto insurance simple, affordable, and built around your real-life driving needs — not just what’s legally required.
Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support drivers in Oregon and Washington.
