One-size-fits-all auto insurance? Not good. A customized policy? No worries.

Many one-size-fits-all auto insurance policies cut corners. Lots of them. We don’t do that. That could leave you in jeopardy. If an accident occurs, you could have medical bills that aren’t adequately covered. Or you may not be able to replace a totaled vehicle. You could also be personally liable for injuring someone else. Your best bet is to have one of our auto insurance specialists customize a policy for you. That way you’ll get sufficient and reliable coverage at an affordable cost. Often the cost is lower than your current coverage.

Vehicle and Auto Insurance…

  • Cars
  • Trucks
  • RVs
  • Motorcycles
  • Off-Road Vehicles
  • Boats
  • Collision
  • Comprehensive
  • Liability
  • Medical
  • Uninsured Motorists
  • Personal Injury
  • Rental Car
  • Towing
  • Repairs

Discounts for…

  • Good Driver
  • Driver’s Training
  • Good Student
  • Anti-Theft Devices
  • Air Bags
  • Automatic Seat Belts
  • Multiple Cars
  • Combining Policies

Understanding your vehicle coverage

Your auto insurance specialist will consult with you in person, or over the phone. Your licensed specialist will explain everything so you understand our recommendations. Yes, another insurer may quote you a little lower price, but when you have a claim, you may find out you are not covered for the loss! Remember, unlike online providers, we live in your neighborhood. We’ll take better care of you and make sure we get it right. After all, we want you to be glad to see us when we see you downtown.

We do the shopping for you

We have more flexibility than traditional vehicle insurance companies, like Allstate, Farmers, AAA, or State Farm. They sell just one brand. As a local agency, we work with numerous underwriting insurance companies, all with A ratings with A.M. Best Rating Service. You don’t have to shop around — we do that for you.

High-value Coverage. Save up to 15%

While shopping for your quotes, our aim is to match your unique vehicle insurance needs with first-rate coverage at a lower price. With our state-of-the-art technology, we can compare your coverage options in just a few minutes over the phone or by email or by using our Get Quotes form. Often we can save you up to 15% on what you are currently paying for auto insurance while improving your coverage!

If you are difficult to insure

Sometimes getting vehicle insurance can be difficult, like if you had a prior accident. When another insurance company can’t or won’t cover you, don’t panic. We help those who are difficult to insure get coverage at an affordable cost.

Auto risk management

If you have young drivers in your household, your insurance specialist will advise you on how to best manage the risk and how to counsel your children.

Claims assistance

Inevitably, life will throw bad stuff your way, and you will need to make a claim. To make it as easy as possible for you, Carl Nelson Insurance provides 24/7 claims service directly with the insurance company we’ve placed you with. We also have a dedicated in-house claims department to answer your questions and to help you resolve any issues with the least amount of worry. It also saves you precious time!

Personal assistance when you need it

One of our new clients told us of his frustrations with his prior online insurance company. He had one simple problem to resolve, but every time he called the online company, he spoke with someone new. He couldn’t remember how many people he had talked to. Your vehicle insurance specialist will know you and be responsive to you personally. The rest of the CNI staff will back up your specialist, always ready to serve you when you need it.

Locally owned and operated

Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” like name brand insurance companies. Plus it’s easy for you to drop by and talk to us one-on-one.

20-something employees. Well trained!

We are large enough that someone is always available to help you. Yet, we’re small enough to give you personal service.

Phones are answered by a human being

During office hours, our phone is answered by someone eager to serve you — not a call center.

Established in 1977

Our longevity and history demonstrate our strength and stability. We’ll tell you simply, plainly, and honestly what we recommend for your vehicle insurance needs.

Insuring Californians

Although we primarily serve the auto insurance needs of residents of Hanford, Visalia, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California. We can bind and issue coverage via fax, email, or even with an electronic signature.

BBB rating

We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses are high and embody the principles of trust, integrity, and honesty.

Listed: Top 5 local insurance companies

At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance company in the Central Valley. We have to be doing something right.

Final thoughts

Carl Nelson Insurance knows customers come first in every business transaction. That is why so many of our clients and their families have been with us for over 25 years — we earn and keep their loyalty by doing excellent work for them every single day.

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