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Auto Insurance

We understand that your time and resources are valuable. Our goal is to save you both by providing safe, affordable car insurance from quality providers.

Our streamlined process delivers quotes quickly and easily, ensuring you receive the coverage you need without unnecessary hassle or expense.


What types of auto insurance bundles does TCS Insurance Brokers offer?

We take a different approach than many when it comes to auto insurance. We offer Basic™ coverage to simply cover others on the road and so you don’t have to come out of pocket for those expenses. Extended™ coverage so that you have and your passengers have coverage if you are injured in a vehicle accident. Complete™ coverage that combines Basic, Extended, and then adds that extra coverage needed to fully cover the vehicle you drive.


What types of auto insurance bundles does TCS Insurance Brokers offer?

We take a different approach than many when it comes to auto insurance. We offer Basic™ coverage to simply cover others on the road and so you don’t have to come out of pocket for those expenses. Extended™ coverage so that you have and your passengers have coverage if you are injured in a vehicle accident. Complete™ coverage that combines Basic, Extended, and then adds that extra coverage needed to fully cover the vehicle you drive.

What type of auto insurance do I need?

We take a different approach when it comes to auto insurance. We offer Basic™ coverage to simply cover others on the road. Extended™ coverage so that you have and your passengers have coverage. Complete™ coverage that combines Basic, Extended, and then adds that extra coverage needed to fully cover the vehicle you drive.

If your vehicle is financed, you will need to carry Comprehensive and Collision coverage with a deductible of no more than $1,000.

If you are a homeowner or sole proprietor, you should carry a minimum liability limit of $100,000 per person and $300,000 per accident. As to avoid having a lien put against your property or business assets after a car accident where you, your spouse or children are at fault.

If you have teens, you should be looking at a policy that has the flexibility to automatically cover your permit drivers.

If you use your vehicle for business purposes like a real estate professional does or for gigs like Uber & Lyft, you should be looking at a policy with that coverage extension.


Can regular car insurance cover my business vehicle?
All Personal Auto policies include limitations regarding the type of vehicle and its allowed usage.
It is important to note that an unendorsed personal car insurance policy will not properly cover a vehicle used for commercial purposes. This includes, but is not limited to, using your vehicle for a “gig economy” service (e.g., Uber, Lyft, DoorDash, Postmates), carrying tools or equipment (such as toolboxes or ladders), working in real estate, or displaying commercial signage on your vehicle’s doors or windows.
If you use your vehicle for any commercial activity, please contact us to discuss the appropriate endorsements needed to ensure you have proper coverage.
*Endorsement means a change, such as an enhancement or limitation to your coverage.

Can TCS Insurance Brokers help me get teen driver insurance that I can afford?
TCS Insurance Brokers specializes in finding tailored auto insurance coverage for teen and new drivers and their families. As a family business with team members who are also parents of teens, we understand the specific challenges you face.
We focus on securing specialized programs that offer significant advantages, such as:
* **No Charge for Learners Permit:** Programs that do not charge you while your teen is still learning to drive.
* **Discount Inheritance:** Policies that allow your teen to inherit your existing discounts once they transition to driving full-time.
* **Maximum Savings:** Access to multiple discounts, including Good Student, Full-Time Student, Driver Course completion, and New Smart Teen Driver discounts.
We pride ourselves on saving you money without compromising coverage quality. We strongly advise against the common mistake of placing your teen on a separate, cut-rate policy, which often undercuts necessary coverage and could expose your family to significant financial risk.
With proper advice and access to our quality insurance programs, we can ensure your teen has excellent protection, including:
* 24-Hour Roadside Assistance
* 24-Hour Claims Assistance
* Glass Coverage
* New Car Replacement
* Lifetime Repair Guarantee
* Superb Liability & Uninsured Motorist coverage
Let us help you find the right policy so you can feel secure when your teen hits the road.

Should I get a separate policy for my teen driver?
When considering whether to insure your teen on a separate policy, it is important to weigh the pros and cons.
While the primary advantage is often a lower premium, this approach comes with significant hidden costs. First, separating your teen onto an individual policy does not necessarily eliminate your financial responsibility as a parent; you may still be liable for damages in the event of an accident.
Second, to achieve those lower rates, you typically must exclude your teen from your primary policy. This prevents them from driving newer, safer household vehicles. Furthermore, a cheaper secondary policy often requires lower coverage limits, leaving your teen with less protection than they would have under your existing policy.
Lastly, to make the secondary policy cheaper you will need to agree to lower coverage limits. Meaning that your teen will have less coverage on the cheap policy than they would on your policy.
For these reasons, we do not recommend placing teens on secondary policies with restricted coverage and vehicle limitations. Instead, we suggest exploring insurance options that offer permitted driver benefits and discounts. These can help offset costs while ensuring your teen remains fully protected on your policy.
What should I look for when getting auto insurance?
We recognize that the process of selecting the right auto insurance can be complex, and we want to help ensure you are making an informed decision. Not all insurance companies and agencies operate with the same standards, which is why it is essential to ask the right questions.
When evaluating your options, here are critical questions you should ask before purchasing your next car insurance policy:
* Will I have the choice of my own repair shop?
* Will there be coverage if someone else drives my vehicle? If so, will the coverage limits remain the same as mine, or will they be reduced?
* Does the policy cover rental cars when I am on vacation or when my vehicle is in the shop for service?
* Will my teenager be automatically covered once they receive their learner’s permit?
* Am I required to list every licensed driver who lives in my household and or those 15 years or older regardless if they drive or not?
* What are my responsibilities as the insured party to the insurance company?
* If I use my vehicle for business, have a side gig, or add signage, will there be coverage?
At TCS Insurance Brokers, we operate as true insurance brokers, representing multiple carriers to provide comprehensive options tailored to your evolving needs. We simplify insurance contracts and present options that meet or exceed your requirements. Additionally, our claims experience ensures we can effectively advocate for you, both now and throughout any claim process.
Ultimately, the professional you choose matters greatly. The quality of your experience after an accident will often depend on the support you receive from your insurance professional.
If you have any questions or would like to discuss your specific needs, please feel free to reach out.

What is the minimum auto insurance I need in California?
Mandatory auto insurance requirements in California, effective January 1, 2025.
As of that date, California state law requires the following minimum liability coverage limits:
* $30,000 for injury or death of one person.
* $60,000 for total injuries or deaths in one accident.
* $15,000 for property damage of others.
Additionally, vehicle registration is now tied directly to insurance coverage. If your insurance lapses, your vehicle registration will be suspended, and your vehicle may be impounded if parked on a public road.
Please be aware of the serious penalties for driving uninsured. If you are involved in an accident that results in injury or property damage exceeding $1,000 without valid insurance, the California DMV will suspend your license. Reinstating your driving privileges would then require you to file an SR-22 certification with your insurer and pay significant reinstatement fees, ultimately costing far more than maintaining continuous coverage.
Please ensure your policy meets these new state minimums to remain compliant and avoid these penalties.
What is the minimum auto insurance I need in states outside of CA where TCS Insurance Brokers writes policies?

Nevada minimum liability coverage limits are $25,000 per person injured, no more than $50,000 in injuries per accident and a maximum of $20,000 for damages to another’s property.

Oregon minimum liability coverage limits are $25,000 per person injured, no more than $50,000 in injuries per accident and a maximum of $20,000 for damages to another’s property.

Washington minimum liability coverage limits are $25,000 per person injured, no more than $50,000 in injuries per accident and a maximum of $10,000 for damages to another’s property.

Texas minimum liability coverage limits are $30,000 per person injured, no more than $60,000 in injuries per accident and a maximum of $25,000 for damages to another’s property.

Michigan minimum liability coverage limits are $50,000 per person injured, no more than $100,000 in injuries per accident and a maximum of $10,000 for damages to another’s property.


What’s the advantage of using an insurance broker?
In the ever-changing insurance landscape, you are the player, the insurance company is the referee, and TCS Insurance Brokers is your coach. To be direct: not all insurance companies play by the same rules.
As a policyholder, you must maneuver through various obstacles and pitfalls. TCS Insurance Brokers is here to coach you from start to finish, ensuring you remain safe and financially sound.
We achieve this by:
– Simplifying the Complex: We break down industry terms to make them easy to understand.
– Comparative Analysis: We compare multiple insurance companies to ensure you receive the best coverage for your needs.
– Proactive Communication: We ask the important questions upfront so no detail is left unaddressed.
– Expert Knowledge: Because we represent multiple carriers, we have deep insight into their internal operations and claims practices.
This expertise is vital in helping our clients navigate the process after a serious accident.
FULL COVERAGE
True “Full Coverage” auto insurance provides you 7 lines of coverage to guarantee you coverage for whatever comes your way.
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COMMERCIAL AUTO INSURANCE
Protect yourself today and the future earnings of your business with the right business auto insurance policy.
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TEEN DRIVER INSURANCE
Auto insurance with benefits & discounts for your teen driver.
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