Automobile Insurance

Offering a variety of coverage to your vehicle.

Contact us for a FREE auto quote today!

Contact us for a FREE auto quote today!

Auto Insurance

Proper protection for you, your family, and the assets you work so hard to earn are the reason our agency exists. In many cases, we do not provide instant quoting for several important reasons. People rely on our knowledge and expertise to coordinate their insurance program. Without this professional assistance, many people find they may have dangerous gaps in their coverage and may be personally liable for losses which were unknowingly omitted.

Types of insurance we can help you with:

Cars & Trucks

As your premier local independent insurance agency partner, we are dedicated to securing the best auto insurance protection for you and your family. Driving has become a necessary part of our lives, and is something many of us truly cannot live without. Whether you’re driving to Los Angeles, Orange County, San Diego or Disneyland, or just going to work—every time you get behind the wheel you place yourself at risk.

The Stromsoe Insurance Agency team is to serve and protect you and to provide top-notch auto insurance coverage to residents all across CA. We realize there is no “one size fits all” policy, so we take a different approach. We have the ability to provide you with competitive auto insurance quotes from 17+ companies, allowing you to secure your policy with us from the comfort of your own home! The shopping is done for you.

Our mission is to passionately serve you in a manner that consistently exceeds your expectations. We promise to work together as a unified team, with genuine honesty, integrity, transparency and a caring, fun attitude that makes our relationship dynamic. Our promise is: At Stromsoe Insurance Agency “going the extra mile is part of your experience with our Total Protection Team”

It’s important to remember that your partners at Stromsoe Insurance Agency in Murrieta can protect you from a loss in the event of an unfortunate accident, making the policy all the more critical.

At Stromsoe Insurance our goal is to give you as many options as possible.  Our comprehensive insurance solutions provide you with the opportunity to custom build a policy that meets all of your car insurance needs. Whether you have a perfect driving record, or have a ticket or accidents, we have the experience, expertise and represent all of the companies to find you the right protection at the best rate while providing the most insurance value for your dollar.

We offer the following options and more for your California auto insurance:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.

Medical – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.

Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.

Collision – insures the policyholder’s vehicle from loss during a collision with another vehicle or object.

Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.

Uninsured/Underinsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured/underinsured driver.

Rental Car Benefit – provides an agreed upon amount of money per day for a rental car while your vehicle is being repaired due to a covered accident or if you car has been stolen.

And more….

We recognize that all of these coverage options can be a bit overwhelming, and we’re here to help you understand your choices and become your trusted protection coaches.  You want to make sure that you’re fully covered for a range of vehicle risks, while at the same time trying to keep premium expenses as low as possible.

Our insurance professionals are dedicated to helping you find the most appropriate Murrieta insurance coverage.  Let us listen to your needs, and customize a policy that best suits your unique situation. You and your family’s protection is our number one priority. Thank you for allowing us the opportunity to serve and protect you and earn your business!

Contact one of our friendly, helpful agents to help you learn more about your various coverage options, decide what is best for you and your family and receive your complete coverage review, as well as your free California auto insurance quote today!

Classic Cars and Trucks

You fell in love with your classic vehicle for a reason. So why shouldn’t you protect your classic vehicle with the very best protection? Your investment means a lot to you. There are many classic car insurance programs available. As an independent insurance agency, we have access to most of them. Specialized coverage provided by carrier partners who love their unique, one of a kind vehicles just as much as you do.

As your premier local independent insurance agency partner, we are dedicated to securing the best classic car and truck insurance protection for you and your family. Whether you are taking a day trip to Los Angeles, Orange County, San Diego or Disneyland – every time you get behind the wheel you place yourself at risk.

The Stromsoe Insurance Agency team is here to serve and protect you and to provide top-notch auto insurance coverage to residents all across CA. We realize there is no “one size fits all” policy, so we take a different approach. We have the ability to provide you with competitive classic car and truck insurance quotes from all of the top companies, allowing you to secure your policy with us from the comfort of your own home! The shopping is done for you.

Our mission is to passionately serve you in a manner that consistently exceeds your expectations. We promise to work together as a unified team, with genuine honesty, integrity, transparency and a caring, fun attitude that makes our relationship dynamic. Our promise is: At Stromsoe Insurance Agency “going the extra mile is part of your experience with our Total Protection Team”

It’s important to remember that your partners at Stromsoe Insurance Agency in Murrieta can protect you from loss in the event of an unfortunate accident, making the policy all the more critical.

At Stromsoe Insurance our goal is to give you as many options as possible.  Our comprehensive insurance solutions provide you with the opportunity to custom build a policy that meets all of your classic vehicle insurance needs.

We offer the following options and more for your California classic vehicle insurance:

Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.

Medical – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.

Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.

Collision – insures the policyholder’s vehicle from loss during a collision with another vehicle or object.

Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.

Uninsured/Underinsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured/underinsured driver.

Agreed Value – the amount of the check that will be written if something happens to your classic vehicle is agreed upon before you start your policy.

And more….

We recognize that all of these coverage options can be a bit overwhelming, and we’re here to help you understand your choices and become your trusted protection coaches.  You want to make sure that you’re fully covered for a range of vehicle risks, while at the same time trying to keep premium expenses as low as possible.

Our insurance professionals are dedicated to helping you find the most appropriate Murrieta insurance coverage.  Let us listen to your needs, and customize a policy that best suits your unique situation. You and your family’s protection is our number one priority. Thank you for allowing us the opportunity to serve and protect you and earn your business!

Contact one of our friendly, helpful agents to help you learn more about your various coverage options, decide what is best for you and your family and receive your complete coverage review, as well as your free California auto insurance quote today!

Motorcycles & ATV’s

Here in Murrieta and Southern California, we’re very lucky to have the type of weather that allows us to drive our motorcycles year round. It’s important to understand that every time you get on your bike, you’re putting yourself at risk. At Stromsoe Insurance Agency, we can help you find a great motorcycle insurance policy if you live in Murrieta or any other part of California.

Why do I need Motorcycle/ATV Coverage?

In the State of California, any vehicle that is registered for public roadways must carry liability insurance coverage. This includes Motorcycles, ATV’s, and even registered golf carts. Besides that basic reason, there are also a lot of other reasons why Motorcycle insurance is important.

But I have home and auto insurance so I’m good!

In the State of California, there is no extension of coverage to your “toys” from your auto or home policies. Your “fun” vehicles need to carry their own insurance policy to make sure you are not only getting liability coverage but physical damage (comp or collision) coverage also.

Some of the major components of a Motorcycle/ATV insurance policy are:

Liability Coverage – This coverage just like your auto insurance coverage is going to protect you from financial risk if you are found negligent for someone else’s bodily injury in an accident. If you are unsure if you are protected or if you have enough coverage, please call our knowledgeable protection team to discuss your options.

Medical Payments – This coverage provides protection for your bodily injury (regardless of fault) if you are injured in an accident.

Property Damage to your Toy – This is made up of two coverages in the State of California, Comprehensive and Collision Coverage. Each one of these coverages provides you with difference options to protect your “toy” if it is hurt in an accident. Be sure to talk with us about comfortable deductible options that work for you and your family.

Uninsured and Underinsured Motorist Coverage – In Murrieta, we offer a coverage that would provide you coverage if you were injured in an accident by someone who didn’t have insurance or didn’t have enough insurance to cover your injuries if you were in an accident caused by another party.

This coverage is not required by law but so important that you are offered it and we strongly recommend you carry it. What if you are hit by an uninsured motorist, injured and cannot work. Your body is exposed on your bike. Don’t risk it…

If you live in Murrieta and are looking for motorcycle or ATV insurance, Contact one of our friendly, helpful agents to help you learn more about your various coverage options, decide what is best for you and your family and receive your complete coverage review, as well as your free California motorcycle or ATV insurance quote today!

Boats & Watercraft

If you’re looking for Murrieta boat insurance, our local independent insurance agency has you covered. Whether you’re cruising around in an inland body of water or braving the Pacific, you need a comprehensive boat insurance policy to cover you in case something unfortunate happens.

There are a number of different boat insurance coverages we can tailor to your specific situation.

The following is a list of some important factors that can influence the type of boat insurance coverage that best suits your needs, as well as what the final price could be.

Personal and Commercial Use

It’s a simple idea, but identifying whether your watercraft is for personal or commercial use will help guide the insurance policy you require.

Is it a boat or a yacht?

For most cases, a boat is defined as a vessel that in 26′ or smaller while a yacht is classified as 27′ and larger. Policies vary between the two and clearly identifying what type of vessel you need coverage for will determine the specifics of your policy.

Boat Liability Insurance

Liability coverage helps protect you in the event you are responsible for property damage other than your own boat or bodily injury to someone other than a family member. The amount of liability coverage needed will depend on your specific situation.

Agreed Cash vs. Agreed Value

While most of the policies sold at Global Marine are Agreed Value policies, it’s important to know the difference between the two. Agreed value policies pay a predetermined agreed value of the watercraft when it’s involved in a loss, while covered losses in actual cash policies are subject to depreciation.

Blue water

Commonly referred to when determining the navigational territory of your vessel; refers to waters over five miles from land.

Brown water

Commonly referred to when determining the navigational territory of your vessel; refers to waters within five miles of the coast.

Date Restrictions

With some policies, your boat is only insured during specific dates of the year. This can potentially lower your insurance payments in months where you anticipate being unable to use your boat due to weather.

Lay-Up Period

The time during which you will not be using your boat. If you have a policy that includes a lay-up period, be aware of the dates. Using your vessel during lay-up means that you will not be covered by your insurance.

Navigational Limits

Your policy may outline specific limits to where you can use your boat and be covered. It is important to only operate your vessel within these limits and clarify with your agent exactly where you are covered. Some policies may only cover you within a certain distance from land; others may not cover you if you’re boating outside your home state. Be sure to talk with your underwriter so you understand exactly where your vessel will be insured.

Operators

People who will be operating the boat – often used to determine premium payment rates.

Common Murrieta Boat Insurance Coverages

Bodily Injury Liability & Pollution Liability

Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are legally held responsible. It will also help pay for wreckage removal and fuel spill cleanup costs.

Medical Payments (MedPay)

Helps pay for expenses like hospital bills and medical care that you may be held responsible to pay if you cause an accident that injures someone else. Watercraft medical payments coverage is available from $500 to $10,000 and covers you, your passengers and even your water skiers and tubers, no matter who is at fault.

Physical Damage

Helps pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged, up to the agreed value of your watercraft. Physical damage coverage also automatically includes coverage for unattached equipment, personal effects and emergency assistance. In some states, pet coverage is automatically included with physical damage coverage and additional fishing equipment is an option when at least one watercraft on your policy includes physical damage coverage.

Uninsured/Underinsured Watercraft Bodily Injury

If you are hit by an uninsured or underinsured boater, and you are injured, this coverage helps pay for medical treatment, lost wages and other costs associated with the accident.

24-hour dispatch if you’re stranded

Being stranded at sea can be scary and dangerous. Most policies offer some level of dispatch coverage should you need fuel or a tow back to safety

This is not a complete list of insurance terminology or coverages, but a helpful reference for some of the more common terms you’ll encounter while shopping for right boat insurance protection.

The Stromsoe Insurance Agency Total Protection team can explain your various options, and find the best boat insurance protection from a top-notch company at the lowest possible price.

Contact one of our friendly, helpful agents to learn more and receive your complete coverage review as well as your free California boat insurance quote today!

Umbrella

You don’t have to be a millionaire to get taken to court and sued like one. Umbrella Insurance is an absolutely crucial part of any solid insurance package, whether you are an individual or business owner.

How does Umbrella Insurance work?

  1. There are two main functions of an Umbrella Policy:
    Fill in gaps, and provide coverage where underlying policies might exclude, or limit such coverage
  2. Act as a “reserve” or “excess” policy, that will step in, in the event your underlying policy limits are exhausted as a result of a catastrophic claim

Who needs an Umbrella Policy?

The simple answer is that everyone should have an umbrella policy. Why?

The entire purpose of insurance is to transfer as much risk away from you to the insurance company. An Umbrella Policy is a great way to do that, and what’s more, Umbrella Policies are very affordable, which makes it an even easier decision to buy on.

For a couple hundred dollars per year, you can purchase an umbrella policy that provides you with an additional $1,000,000+ liability limit. If you do that math, that’s literally pennies on the dollar.

Unique Situations That Require and Umbrella Policy

Here are a few risky situations, where purchasing an Umbrella Policy is an absolute must:

  1. You own a rental property (or multiple rentals)
  2. You own and/or lease commercial property
  3. You own a boat or any other kind of “toy” like A.T.V. etc..
  4. You have a “youthful” driver in your household
  5. You own a secondary residence
  6. You have a pool

These are just a few examples, and at the end of the day, Umbrella Policies are so inexpensive, even people without these types of exposures should strongly consider purchasing one.

It only takes one tragic accident to be sued for everything you own, and there’s no better way to protect yourself from this type of situation, than with Umbrella Insurance.

Umbrella Insurance: Massive Protection for Pennies a Day

Because it is designed for those really rare rainy days, umbrella insurance is cheap.

Be a smart consumer…but don’t try to be your “own agent.” Protection for you and your family requires constantly vigilance….and a partnership between you and your professional, local, independent insurance agent.

Contact one of our friendly, helpful agents to help you learn more about your various coverage options, decide what is best for you and your family and receive your complete coverage review, as well as your free California umbrella insurance quote today!

Get Your Special Report On Auto Insurance