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Auto Insurance

Good Drivers are Responsible Drivers.

Ranch and Coast Insurance SVCS is Rancho Sanata Fe’s trusted source for personalized insurance. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.  

One of the most essential benefits that everyone needs is quality auto insurance. However, plans must be customized to the policyholder’s needs. With our network of quality carrier options available to you, we can ensure you get the most customized plan for your needs. 

To get your auto insurance policy today, call us at 858.756.8400 or request your free quote now! 

Common Auto Insurance Questions 

What is auto insurance? 

Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses. 

How does auto insurance work? 

Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg. 

What does auto insurance cover? 

The average auto insurance policy can offer numerous benefits, including: 

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you. 

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits. 

  • Property damage liability coverage: This pays for damage to the other party’s property. 

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck. 

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents. 

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income. 

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage. 

Plus, to further customize your benefits, you can add countless perks into qualifying policies, including: 

  • Roadside assistance 

  • Rental car reimbursement 

  • Custom parts coverage 

  • Replacement cost vehicle coverage 

  • Vanishing deductibles 

  • Gap insurance 

Is auto insurance required? 

Here are the types of acceptable insurance:
Motor vehicle liability insurance policy.
Cash deposit of $35,000 with DMV.
DMV-issued self-insurance certificate.
Surety bond for $35,000 from a company licensed to do business in California.
Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b):
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage.
Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.

Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules. 

It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.  

What does auto insurance cost? 

Numerous factors can influence the cost of your auto policy, including: 

  • Your chosen coverage limits 

  • The value of your vehicle 

  • Your driving accident history 

  • Your history of claims on other auto policies 

  • Where you live 

  • How far you drive each year 

It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice. 


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Our Location

Ranch and Coast Insurance Services

Ranch and Coast Insurance Services

6119 La Granada Ste C
P.O. Box 2151
Rancho Santa Fe, CA 92067
Main office: 858-756-8400
Fax: 760-692-9971

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.