Auto Insurance

Car Insurance Buying Guide

Many one-size-fits-all car 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 car insurance. So here are a few things you must know when shopping for car insurance.

Perils include but are not limited to …

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured Motorist
  • Underinsured Motorist
  • Medical Payments
  • Collision
  • Theft
  • Vandalism
  • Storms

Coverages are available for …

  • Cars
  • Trucks
  • Vans
  • RVs
  • Motorcycles
  • Off-Road Vehicles
  • Boats

Discounts for…

  • Good Driver
  • Driver’s Training
  • Good Student
  • Anti-Theft Devices
  • Air Bags
  • Automatic Seat Belts
  • Multiple Cars
  • Combining Policies
The above discounts may save you up to 15% off your current car insurance policy.

Understanding Your Auto Insurance 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

Carl Nelson Insurance Agency has more flexibility than agencies for big name auto insurance companies, like Allstate, Farmers, or State Farm. They sell just one brand. As an independent 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 Car Insurance. Save Up to 15%.

While shopping for your quotes, our aim is to match your unique auto 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. Often we can save you up to 15% on what you are currently paying for car insurance while improving your coverage!

If You Are Difficult to Insure …

Sometimes getting auto insurance can be difficult, like if you had a prior accident. When another car 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 car 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 auto 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

If you have any questions, your car 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 is based in Hanford, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” as do the name brand insurance agencies. Plus it’s easy for you to drop by and talk to us one-on-one.

25+ 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.

Since 1977

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

Insuring Californians

Although we primarily serve the auto insurance needs of residents of Hanford, Visalia, Tulare, 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 with an electronic signature.

A+ Better Business Bureau 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 Independent Insurance Agencies

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 agency 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 45 years — we earn and keep their loyalty by doing excellent work for them every single day.

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