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    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Employment Practices Liability Insurance (EPLI)
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • General Liability Insurance
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
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Home > Auto / Car Insurance - Oakdale CA & Modesto CA

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request ID Card for Auto Policy

Auto Insurance Information

Understanding Auto Insurance

Carrying minimum levels of auto insurance coverage is a legal requirement in California. Beyond maintaining legal compliance, this type of insurance policy is also crucial for drivers and vehicle owners to protect themselves financially after an accident or other covered incident. Even the safest drivers need adequate coverage.

The Stewart Kriese Insurance Agency uses decades of experience in the insurance industry to help drivers in the Modesto and Oakdale area assess and address their auto insurance needs.


How Does Auto Insurance Work?

Auto insurance policies are intended to protect policyholders and other parties after a traffic accident. For most drivers, the following coverages are recommended:

·        Collision coverage—This type of coverage can reimburse you if your vehicle is damaged in a collision with another automobile or an object.

·        Comprehensive coverage—This coverage protects your vehicle from losses and damages arising from incidents other than collisions, such as fires, theft, vandalism, severe weather and falling objects, such as rocks or trees.

·        Liability coverage—This coverage provides financial assistance if you are liable for another party’s damages and losses, including:

o   Bodily injury—If an accident for which you are responsible results in someone else being injured or killed, your insurance may assist with the resulting medical treatment, lost income and funeral costs.

o   Property damage—If you are responsible for an accident that damages another party’s vehicle or property, this coverage may help pay for repairs or replacement costs.

·        Uninsured/underinsured motorists—If an uninsured or underinsured motorist is found to be responsible for injuries or property damage, this coverage can help make up for their lack of coverage by covering medical and repair costs.

In addition to knowing what types of damages and losses will be covered by your auto insurance, it’s also necessary to understand who is included in your coverage. Most policies include protection for the policyholder and other documented family members.

Generally, standard auto coverage is applicable only when vehicles are used for personal reasons. Additional coverage must be obtained if a vehicle is being used for business purposes, including for deliveries or rideshare services.


How Much Does Auto Insurance Cost?

Like most insurance coverage, the cost of auto coverage can vary significantly. Providers must weigh several factors, such as the following:

·        Age

·        Driving record

·        Location

·        Use patterns (e.g., how often you drive, how far you regularly travel)

·        Vehicle details (e.g., value, make, model)

·        Policy details (e.g., coverage limits, deductibles)

·        Claims history

Specific trends that may be beyond your control could also play a role in determining your premiums, including frequency of auto insurance fraud, average costs related to medical care, litigation and car repair, and weather trends.



Get the Right Coverage

Auto insurance is a vital type of coverage for anyone who owns and operates a motor vehicle. Without proper protection, even a single accident could have devastating financial consequences.

Fortunately, the insurance experts at Stewart Kriese Insurance Agency are ready to help you assess your insurance needs and build an auto policy that meets your needs. Contact us today to get started.

Contact Us Today!
209-847-8025

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100 Laurel Ave.
Oakdale, CA 95361

P: 209-847-8025 | Fx: 209-847-6810 | contact@stewartkriese.com
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