Your time and money is precious! We believe in saving you both your time and your money by providing you with safe, affordable car insurance that can be quoted quickly and easily.
With just a single click you can get a car insurance quote in just minutes from TCS Insurance Brokers, with the right coverage at the right price. Auto insurance has never been so easy!
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.
Not all insurance companies play by the same rules and that means that you need to read all the fine print if you choose to do this on your own! When you choose us to be your insurance brokers, we make insurance contracts simple to understand and we only present you with options that will fit or exceed your needs. However, not all agencies do the same. So here is a list of questions you should be asking before you purchase your next car insurance policy:
- Will I have a choice of repair shop?
- Will there be coverage when others drive? If so, will it be the same as me or will it drop down?
- Does this insurance cover rental cars when I am on vacation or need to get my car serviced?
- Will my teen be automatically covered when they get their permit?
- Am I required to list every person who lives in my house?
- What are my responsibilities as an insured to the insurance company?
- If I own a business, have a side gig or add signs to my car, will there be coverage?
As true insurance brokers, we work for our clients, and we represent multiple carriers so that we can provide options as your life evolves. Plus, we have the claims experience required to be your insurance advocate now and during a claim. So when looking for insurance, you should gauge your insurance professional too. Because who you choose to work with will determine the type of experience you will have after an accident occurs.
As of 1/1/2025 California State requires that you carry a minimum coverage of $30,000 per person injured, $60,000 per accident and an additional $15,000 for damages to another’s property. Also, CA is now a state where your vehicle registration is tied in with your insurance coverage. Without insurance your registration becomes suspended and your vehicle can become impounded if parked on a public road. Additionally, if you are involved in an accident without insurance where someone becomes hurt or where property damage is above $1,000, the CA DMV will suspend your license. Forcing you to carry an SR-22 filing on your insurance and pay fees to reinstate your driving privileges. Eventually costing you quite a bit more than what an insurance policy is worth.
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.
Submit your formal insurance request below and our insurance pros will shop the market, narrow down the options and present you with an approved quote that will either meet or exceed your need!
TCS Insurance Brokers is at your service from start to finish. Our knowledge, experience and expertise goes beyond the sale and into the claims process. Making us your best ally when an accident or other unexpected incident occurs. Our experts stay with you through the entire process to make sure you are treated fairly and paid right every time.
All Personal Auto policies have a limitation on the type of vehicles and the type of use those vehicles are allowed to have. In other words, an unendorsed personal car insurance policy will NOT properly cover your commercial use vehicle. Nor is it designed to cover you while you are doing a gig, such as Uber, Lyft, Doordash, Postmates, carrying tool boxes, carrying a ladder, working real estate or having signage on your doors/windows.
Allow us to help you obtain the correct business or commercial auto insurance coverage that includes the right protection against damage to your vehicle, injuries to yourself and lawsuits from third parties. We have affordable coverage options to protect your business. We’ll work with you on how to best tailor an auto insurance policy to meet the needs of your business or gig vehicle. – Get a quote today!
We have auto insurance coverage with many features and benefits designed to meet the needs of teen drivers, new drivers and their families. TCS Insurance Brokers is a family business and our team members are teen parents as well. That’s why we consistently find the best specialized programs that don’t charge you while your teen is learning to drive. Programs that allow your teen to inherit your discounts once he or she is on the road full time. Plus, there are Good Student, Full Time Student, Driver Course & New Smart Teen Driver discounts! – We save you money without cutting any corners.
Don’t make the common mistakes that uninformed parents make every year by putting their teen in a separate cut rate policy that undercuts coverage and could leave your teen in debt before they even begin their adult life.
With a dedicated, knowledgeable team behind you, along with the proper advice, and the quality insurance programs we offer, you’ll be able to give your teen 24-Roadside Assistance, 24-Hour Claims Assistance, Glass Coverage, New Car Replacement, Lifetime Repair Guarantee, and superb Liability coverage. Allowing you to finally feel secure when your teen hits the road.
Our help is just a click away. Contact us and get expert help with your home insurance, rental property insurance or renters insurance.