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Hammer Insurance
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Mistakes Made When Buying Auto Insurance

1. Shopping for the Lowest Price Available
You get what you pay for compare not only price, but policy features as well. Not all auto insurance companies offer enhanced benefits for instance. Some companies offer superior claims handling, customer service guarantees, and roadside assistance. Assess all of the benefits included to see the true value you receive.
2. Underestimating the Value of Original Parts
When your car was built manufacturers carefully select each part. If your car has to be repaired, do you want the replacement parts to be less carefully selected? Be sure that your auto insurance company uses genuine Original replacement parts in collision repairs after accidents. Many companies use less expensive aftermarket parts that may decrease the value of your car, affect its appearance and jeopardize the warranty.
3. Having Insufficient Liability Coverage
Liability insurance helps protect you and your assets if you cause an injury to others or damage the property of others with your vehicle. However If you choose lower liability limits an accident that causes serious injury can result in medical bills and lost wages that could far exceed your coverage and leave you financially exposed. Make sure you’re fully protected.
4. Missing Out on Potential Discounts
There are many discounts available for instance: low-mileage driving, multiple car discounts, anti-theft devices, & many more. Be sure to ask which discounts are available for you.

6 Ways to Lower Your Insurance Premium


1. Combine Personal & Commercial auto
If you own personal use vehicles and business use vehicles, a single policy often saves you money and provides higher coverage for all autos.
2. Increase your deductible
You can lower your monthly payment if you agree to pay more out of your own pocket in the event of a loss.
3. Pay your premium in full rather than in installments
If you pay one lump sum for your insurance, you can avoid installment fees and charges from making payments over time.
4. Use Automatic payment feature
Most insurance policies offer EFT, (electronic funds transfer) payment) saves all or most installment fees plus the convenience of mailing the payment.
5. Take a defensive driving, RV safety, or senior operator course
If you lower your risk of an accident, we will lower your monthly payment.
6. Quote all your family vehicles and earn multi-vehicle discounts of up to 20%
If you insure all of your vehicles, RVs, and motorcycles with Hammer Insurance, we will give you discounted rates up to 20% or more.




Get a fast, free online quote or arrange to have an insurance specialist call you


Hours of Operation

M-F: 9:00am-7:00pm
Sat: 9:00am-5:00pm
Sun: Closed

With 10 Locations to serve you. Find a location near you!

theft The National Insurance Crime Bureau (NICB), reports that the top ten most stolen vehicles in 2012 by make, model, and model year are:

1.1994 Honda Accord

2.1998 Honda Civic

3.1991 Toyota Camry

4.1994 Acura Integra

5.2004 Chevrolet pickup (Full size)

6.2006 Ford Pickup (Full Size)

7.1994 Nissan Sentra

8.2010 Toyota Corolla

9.1997 Nissan Altima

10.1988 Toyota pickup 4x2

The NICB also reports that the most stolen color was white, followed by red, blue, black and green. Thieves will target cars that are easy to illegally export or that offer the best market for stolen vehicle parts.

The NICB reported today that for calendar year 2012, car thieves were most active in California. For 2012, the ten metropolitan statistical areas with the highest vehicle theft rates were:

Modesto, Calif.

Fresno, Calif.

Bakersfield-Delano, Calif

Stockton, Calif.

Yakima, Wash.

San Francisco/Oakland/Hayward, Calif.

San Jose-Sunnyvale-Santa Clara, Calif.

Vallejo-Fairfield, Calif.

Spokane-Spokane Valley, Wash.

Redding, Calif.

According to Hot Spots 2012, its annual report on auto thefts, NICB reviewed data supplied by the FBI for each of the country's 336 metropolitan statistical areas..
For more information, please visit NCIB