Auto Insurance

Auto insurance protects you from expensive costs if you’re in an accident, and it is state law. At Capital Insurance Service it’s easy to get and manage affordable auto insurance, we offer Auto insurance, Commercial auto insurance and SR22. Our agents are qualified and trained to issue policies over the phone or in one of our convenient locations. Qualifying for as many discounts as possible will help keep your auto insurance affordable. Capital Insurance Service offers many different types of discounts for auto insurance.

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cars driving down lake tahoe under cave rock for capital insurance service

Auto Insurance

Auto insurance protects you from expensive costs if you’re in an accident, and it is state law. At Capital Insurance Service it’s easy to get and manage affordable auto insurance, we offer Auto insurance, Commercial auto insurance and SR22. Our agents are qualified and trained to issue policies over the phone or in one of our convenient locations. Qualifying for as many discounts as possible will help keep your auto insurance affordable. Capital Insurance Service offers many different types of discounts for auto insurance.

Request a Quote

Some of the MANY discounts we offer:

  • Auto/home package or multiple policy discount

  • Multiple vehicles

  • Prior insurance coverage

  • Good student

  • Good driver

  • Commercial Driver’s License (CDL) Discount

  • Business Experience Discount

  • Paid In Full Discount

  • Renewal Discount

Available auto insurance coverages in Nevada and California:

  • Bodily injury/property damage liability

  • Uninsured/underinsured motorist

  • Comprehensive

  • Collision

  • Medical payments

  • Roadside assistance

  • Rental car coverage

  • SR22

Some of the MANY discounts we offer:

Save when you have two or more policies with Capital Insurance service. For instance, if you carry auto and boat insurance with us, you’ll enjoy a discount on one of those policies. You can also combine auto with motorcycle, auto with RV, or any other combination of policies or products. And if you have both auto and home insurance with us, you could save an average of 7% on your auto policy.

Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (belonging to a spouse, family member, or roommate), as long as it’s kept primarily at your address.

When you switch to Capital Insurance service, we honor the time you spent with your previous insurer with a discount. The amount of the discount will vary based on how long you’ve been continuously insured and applies upon your first policy renewal.

A smart student makes you a smart shopper. Add a full-time student on your policy who maintains a “B” average or better, and we’ll add a car insurance discount.

The safer you drive, the more you can save.

For-hire truck insurance customers who have had a CDL for at least two years can save on their vehicle liability coverage.

Business auto, commercial truck and tow truck insurance customers who’ve been in business for more than three years are eligible.

customers who pay their auto insurance premium in full instead of in installments. This discount can save customers up to 15%. 

Insurers will reward you with lower rates if you continue to renew your policy. If your renewal date is approaching, contact us so we can shop your policy.

Available auto insurance coverages in Nevada and California:

Coverage that pays when the insured is legally responsible (at fault) for bodily injury (including death) and property damage caused by the vehicle or operation of someone else’s vehicle with permission. The limits selected must be the same for each vehicle listed on the policy. If a vehicle is garaged out of state, select limits that are equal or greater than the minimum limits in that state.

Provides coverage for injuries caused by an at fault driver that does not carry insurance. The policy must have Bodily Injury to add Uninsured Motorist/Underinsured Motorist coverage. The same coverage limits must be selected for each vehicle on the policy.

Covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage.

Covers losses to the insured vehicle for reasons other than collision (Fire, theft, vandalism, wind, hail, breakage of glass, or impact with an animal). All losses, whether partial or total and regardless of which loss settlement option applies, are subject to the applicable deductible.

In some states a $0 or lower deductible for glass may be available. Comprehensive deductibles may vary between vehicles.

Covers damage to the insured vehicle in the event it overturns or collides with another car or object, other than an animal. Collision deductibles may vary between vehicles. For stated amount vehicles, the deductible must be less than the vehicle value. Collision coverage also includes $1,000 to cover pet injuries or death resulting from an accident.

Rental Reimbursement pays for rental car fees, up to the limit selected, if the customers’ car is damaged and undriveable. This only applies to covered losses and not general maintenance. Please review the policy contract for complete coverage information. Rental Reimbursement can only be purchased on a car that has both comprehensive and collision.

Provides coverage if the insured’s car is disabled due to a covered emergency and is available 24/7 in the United States and Canada.

  • Towing Covered vehicle can be towed within a 15-mile radius, or to the nearest qualified repair facility.
  • Winching Service Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of road or highway.
  • Battery Jump-Start Battery failure
  • Fuel Delivery Fuel delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.
  • Locksmith Service Keys are lost, stolen or accidentally locked inside the covered vehicle, we will dispatch a qualified service provider. The insured is responsible for the cost to replace the keys.
  • Flat Tire Change
  • On Scene Labor Related to disablement, up to one hour.

Select ‘Yes’ if the driver requests a Financial Responsibility Filing, such as an SR22 or FR44.

  • Liability coverage must be present if a filing is required.
  • The driver requiring a filing cannot be excluded from coverage.
  • The policy liability limits must be equal to or above the minimum liability limits of the filing state.
  • All vehicles owned by the driver requiring the SR22/FR44 filing must be listed on the policy.