Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
Car Insurance for Drivers in Contra Costa County, Central Valley and Central Coast
Whether on or off the road, your vehicle is a valuable asset that must be protected. Not all car insurance policies are created equal, however, and you will need one that is tailored specifically for your needs.
Esperanza Gutierrez Insurance Agency is a family owned business dedicated to providing integrity, honesty and trust to every single client. We will work closely with you to evaluate your risks so you can get the auto insurance policy you need.
Coverages We Offer
A full coverage auto insurance policy through Esperanza Gutierrez Insurance Agency may include:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, falling objects, theft, vandalism and other incidents not involving collision.
Collision Coverage: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
Liability: Liability insurance covers expenses related to bodily injury and property damage you may cause to someone else while operating the insured vehicle.
Medical Payments: Medical payments coverage provides compensation for injuries you and your passengers may suffer after an accident, no matter who is at fault.
Uninsured/Underinsured Motorist: This insurance covers expenses related to an accident involving another driver who is not carrying insurance.
How is Auto Insurance Calculated?
Auto insurance premiums are calculated based on your risk factor. The more at risk you are of getting in an accident or filing a claim, the more you may pay for car insurance. Risk factors that insurers consider include:
Value of the vehicle
When you file an auto insurance claim, a claims adjuster from the insurance provider will investigate the claim. Based on your policy and the damages, they will calculate how much compensation you will receive. Once a claim is approved, you will receive compensation.
Insure Your Vehicle Today
Protect your vehicle with a comprehensive car insurance policy from Esperanza Gutierrez Insurance Agency today. Call us at (925) 392-0506
or fill out an to get started.
Common Auto Insurance Questions
How Far Does Auto Insurance Look Back?
Most auto insurance providers look back around three to five years on an individual’s driving record. This means that a car accident from three years ago can still affect your car insurance rates.
How Many Auto Insurance Claims Can You Have Per Year?
There is no set number of claims you can file a year. Filing more than one car insurance claim in a single year may raise a few flags with your insurer, however. The more claims you file, the more you may pay for car insurance or even risk a cancelled policy when it comes to false claims.
How Much Does Auto Insurance Cost?
The cost of auto insurance varies depending on your age, location, gender, driving record and other factors. Fill out an to find out how much you can save on auto insurance.
Why is Auto Insurance Important?
Auto insurance is crucial for all drivers. This insurance covers injuries and damages involved both on and off the road, and can cover expensive costs that you may otherwise not be able to cover.