Certified Smog's Auto Insurance Services
Certified Smog in Indio California 92201
Offers Convenient and Affordable Auto Insurance.
Stop Overpaying for Auto Insurance!
See What Discounts You Qualify For!
One requirement for every licensed motorist, who owns any vehicle, is sufficient automobile insurance that will cover expenses in the event of loss. Along with your Smog Test, Indio Certified Smog's Auto Insurance professionals can provide on the spot quotes for your Auto Insurance Coverage.
Don't forget your $10.00 OFF COUPON
Certified Smog, in connection with Avar Insurance, has partnered with the Foremost Insurance Group of Companies; national insurers recognized and known for insuring auto, home, manufactured and mobile homes, motor homes, travel trailers, fifth-wheels, motorcycles, off-road vehicles, snowmobiles, boats, personal watercraft, collectible automobiles and commercial small business. Foremost also has a specialty dwelling insurance program in many states for site-built homes that don't qualify for "standard" or "preferred" coverage. Foremost has been in business since 1952 and has a superior combination of coverage and claim service.
Mobile Home
The companies of Foremost Insurance Group are known as the premier providers of specialized insurance for mobile homes and manufactured homes.
Foremost insures almost every kind of mobile home and manufactured home on the market today - from big, multi-sectional homes to older single-wides. There is no limit on the mobile home's value, size or make. Foremost will insure all of the following:
* High-value manufactured homes
* Low-value mobile homes
* Mid-value mobile homes
* New and old mobile homes
* Owner-occupied mobile homes
* Rental mobile homes
* Seasonal mobile homes
* Commercial mobile homes
* Mobile homes on private property
* Mobile homes located in a park
* Even customized mobile homes
Motor Home, Travel Trailer and Fifth-Wheel
The companies of Foremost Insurance offer specialized policies for all types of motor homes, travel trailers and fifth-wheels, including:
* High value units
* Low value units
* Older trailers
* Park models
* Tent campers
* Stationary trailers
* Class A, B, and C rigs
* Full timers
Specialty Homeowners and Dwelling Fire
Foremost's specialty dwelling line covers:
* Landlord properties (up to 4 units)
* Older and lower-value homes
* Homes with minor cosmetic problems
* Homes with a market value below replacement cost
* Rental and vacant homes
* Customers with credit and/or loss problems
Motorcycle and Off-Road Vehicle
Foremost offers insurance programs for a variety of motorcycles and off-road vehicles:
* Touring bikes
* Sport bikes
* Cruisers
* Trike conversions
* Custom and classic cycles
* Dirt bikes
* Dune buggies
* Golf carts
* ATVs (3-, 4- and 6-wheel)
Snowmobile
Foremost insures a variety of snowmobiles, including:
* Most makes and models
* High-performance sleds
Boats and Personal Watercraft
Foremost's personal watercraft program is for watercraft carrying one, two, three or more people that can be stood on or straddled. Personal Watercraft are often referred to by their brand names such as Jet Ski®, Wave Runner® or Sea Doo®.
Foremost's marine line also includes a Family Boaters program that covers:
* Bass boats
* Bow riders
* Cabin cruisers
* Catamarans
* Day sailers
* Deck boats
* Fishing boats
* Sailboats
* High-performance
* Jet boats
* Pontoon boats
* Runabouts
* Flats boats
* Canoes
* Kayaks
Collectible Auto
From classics to modifieds, the Foremost program insures all types of collectible autos, including:
* Antiques
* Muscle cars
* Customs
* Exotics
* Classics
* Hot rods
* Modifieds
* Sports cars
Indio Certified Smog provides information about insurance companies and their basic policies that are available to drivers that meet basic requirements. Certified Smog compares automobile insurance companies in-house with our FREE Insurance Quote! Our auto insurance rates will save you money because we are a "No Fee Broker".
Don't forget your $10.00 OFF COUPON
Great automobile insurance does not have to be expensive, and poor insurance is not necessarily easily affordable. Your annual premium is only one small part of the evaluation process since every motorist’s needs are different. Saving money on the annual premium will not matter if insufficient coverage is purchased. Savvy auto, motorcycle, boat, and commercial rig insurance shoppers look at multiple factors including the following:
Every motorist’s situation is unique, and the insurance companies will require enough information to rate their risk against automobiles, boats, and motorcycles. Indio Certified Smog can get you instant cheap automobile insurance quotes right on the spot! Indio Certified Smog will profile the vehicle, the driver, and your geographic location. To find out what is the best auto insurance for you, we search and compare insurance quotes instantly and for FREE!
A liability-only policy will be much less expensive than an auto insurance policy that offers collision, comprehensive, and liability coverage. Indo Certified Smog evaluates each policy for the included coverage components and dismisses any quote that is not equal in coverage.
Quotes that include road-side assistance, low glass deductibles and rental automobile replacement options will appear to have higher premiums. Each quote should include or exclude these specialties to be equal in value.
Auto insurance policies with very high deductibles will have much lower annual premium amounts. Each quote offered should have the same deductible amounts to allow the buyer to compare the policies on the same basis.
So what are you waiting for? Just request your FREE Auto Insurance quote while having your smog test performed and we’ll search and compare automobile insurance companies for The MOST Economical and BEST Protection available to you!
At Indio Certified Smog, you can walk out with your Smog Test, your Registration and Tags, as well as your
Auto Insurance Coverage. Now, that’s what we call CONVENIENCE!
Foremost Collectible Auto from Foremost Insurance on Vimeo.
Certified Smog, in connection with Avar Insurance, has partnered with some of the most reputable automobile insurance providers to ensure your satisfaction with the most competitive quotes, superior customer service and top-notch coverage’s in the country. Our insurance partners include Foremost, Dairyland, Viking, and The Hartford. We work with our trusted auto insurance partners to find you the best rate for your vehicle and the right coverage for you.
Our process simplifies the automobile insurance shopping process by saving you time and money. We will shop your automobile insurance rates among our trusted partners and deliver your rate right here at our Indio Smog Test location. (Depending on the service available in your area). Finally, our auto insurance consultants will assist you in purchasing your policy quickly and efficiently- the very same day as your Smog Test.
Avar Insurance, LLC is an independently owned insurance agency. As independent insurance agents we have access to numerous nationally recognized automobile, motorcycle, recreational vehicle, big rigs, boats, and marine insurance, which allows us to place your insurance policy with the insurance carrier that provides you with the best possible price. With access to numerous automobile insurance carriers, we are not subject to one companies underwriting guidelines and premiums (price). Avar Insurance, LLC is also a NO BROKER FEE company, which also saves you money.
So with that said, why not choose us?
If you would like to be included on our Auto Insurance mailing list, please send
us your contact information.
Certified Smog is your Trusted California State Authorized Emissions Test Only Center!
If your vehicle has been designated to undergo a Test Only Smog Check, do not worry. Simply drive your vehicle to our convenient Certified Smog Test Only Center to have our California State Registered Technicians conduct your inspection. Our experienced Smog Technicians will inform you of any serious issues if there are any.
Our Certified Smog Center is easy to find, just click on the
Map.
Please contact us by telephone or e-mail
if you have any questions.
Certified Smog offers a very convenient location in Indio,
California 92201.
Certified Smog is a California State Registered Test Only Center.
We are the only Smog Station where you can get your Smog Test, Auto Insurance, and Vehicle
Tags at the same time.
Certified Smog is a Test-Only Station
so we are licensed to perform all Smog Tests for all Vehicles required
by the State of California.
Indio Certified Smog is also a California State Licensed Registration
Service so we can issue Vehicle Stickers and Registrations on the
spot.
We can also perform Vehicle Transfers, Verifications and Out
of State Smog Inspections.
Important Facts About California's Vehicle Financial
Responsibility Law
Purpose of the law
In 2006, the California Vehicle Financial Responsibility Law changed the way the Department of Motor Vehicles verifies insurance for privately owned vehicles.
Changes were made to ensure that vehicles driven on California roads have liability insurance that provides financial responsibility for any damage or injury caused by a traffic accident, regardless of fault, and to remove uninsured vehicles from the highways.
Insurance companies in California are required by law (California Vehicle Code (CVC) #6058) to electronically report private-use vehicle insurance information to DMV. Insurance companies are not required to electronically report information for vehicles covered by "commercial" or "business" insurance policies. Customers whose vehicles are covered by this type of policy will be required to submit paper proof of insurance when required for registration renewal and when a vehicle is registered in their name for the first time in California.
Law enforcement and court personnel have electronic access to insurance status on DMV records.
Minimum liability insurance requirements for private passenger vehicles
(California Insurance
Code #11580.1b)
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property.
Liability insurance compensates a person other than the policy holder for personal injury or property damage (comprehensive or collision insurance does not meet vehicle financial responsibility requirements). Check your policy or talk to your agent or broker to make sure you have sufficient liability insurance coverage for each vehicle you own.
Types of financial responsibility
- A motor vehicle liability insurance policy
- A cash deposit of $35,000 with DMV
- A DMV issued self-insurance certificate
- A surety bond for $35,000 from a company licensed to do business in California.
For information regarding cash deposits, or self insurance, please contact:
Department of Motor Vehicles
Financial Responsibility MS J237
PO Box 942884
Sacramento, CA 94284-0884
(916) 657-6520
To locate a company that issues surety bonds, please contact the Department of Insurance at 1-800-927-4357 or visit http://www.insurance.ca.gov
The following vehicle types are not required to provide evidence of liability insurance to DMV:
- Trailers
- Off-Highway vehicles
- Vehicles registered to a government entity (city, county, state, federal)
- Special Equipment vehicles
- Vehicles registered under a PNO status.
Mandatory vehicle registration financial responsibility requirements
Financial responsibility must be obtained and maintained on any vehicle operated or parked on California roadways and must be provided as specified below:
- When requested by law enforcement
- When renewing vehicle registration (if requested)
- Within 30 days of issuance of a registration for a vehicle being registered in California for the first time, or transfer of ownership.
- Within 45 days of the cancellation of a policy for a currently registered vehicle
- When the vehicle is involved in a traffic accident.
You must maintain evidence of financial responsibility (proof of insurance) in your vehicle at all times.
Acceptable evidence of financial responsibility
Your insurance company is required to electronically report insurance information for all private-use vehicle liability policies. In some cases, however, you may also be requested to submit this information to DMV by providing:
- A document or identification form from your insurance company indicating that the vehicle is insured. (Documents mailed to the department will not be returned).
- A DMV authorization letter, if you are a cash depositor or are self-insured.
- California Proof of Insurance Certificate (SR-22) for broad coverage or owner's policy. (Operator's policy does not satisfy financial responsibility requirements.)
- Evidence that the vehicle is owned or leased by a public entity defined in Government Code #811.2.
- Motor carriers as defined in CVC #34601 may complete a statement of facts indicating that the automobile has evidence of insurance on file with the Public Utilities Commission or DMV pursuant to CVC #34630.
What happens when DMV does not have insurance information for a vehicle?
Vehicle registrations are subject to suspension (CVC #4000.38) when:
- DMV is notified that a policy has been canceled and a replacement policy has not been submitted within 45 days.
- Insurance information is not submitted to DMV within 30 days of the issuance of a registration or upon initial registration or transfer of ownership.
- The registration is obtained by providing false evidence of insurance.
Customers registering a vehicle covered by a commercial or business policy should complete the Notification of Alternative Forms of Financial Responsibility (REG 5085) form when the vehicle is registered for the first time. This form incorporates all the necessary information to verify insurance coverage.
Notify DMV before you cancel your insurance to prevent a vehicle registration suspension
If you are not operating your currently registered vehicle, and it is not parked on a California road, you may notify DMV in advance that you are not planning to operate the vehicle by completing an Affidavit of Non-Use (REG 5090)(PDF). This form is only valid for currently registered vehicles.
If you have received a renewal notice for your vehicle, you are not eligible to file an Affidavit of Non-Use; you must file a Certificate of Non-Operation/Planned Non-Operation Certification (PNO) (REG 102)(PDF). Filing the Affidavit of Non-Use or the PNO prior to DMV being notified of the cancellation of the insurance policy will prevent the vehicle registration suspension.
When you are ready to put the vehicle back on the road, you must submit a Statement of Facts (REG 256)(PDF) and evidence of insurance.
If you fail to maintain financial responsibility on your vehicle
- Registration of your vehicle will be subject to suspension. DMV will begin the process to suspend your registration if:
Liability insurance is canceled and a replacement policy is not submitted
within 45 days
OR
Your insurance company has not electronically provided evidence of insurance
within 30 days of a registration or being issued on a vehicle being
registered in California for the first time
OR
You provide false evidence of insurance.
- You may be cited. Failure to provide evidence of financial responsibility when requested by a peace officer may result in a citation with fines that could reach $1,000 or more. (DMV cannot clear or sign citations relating to financial responsibility. Only a court can clear or sign these citations.)
- Your vehicle may be impounded. Failure to provide evidence of financial responsibility may result in your vehicle being impounded, in addition to any fines.
- You may be personally liable for damages. If you contribute to the cause of an accident and cannot provide evidence of financial responsibility, you may be forced to compensate the other party for any injuries and damages.
If your vehicle registration is suspended, contact the Vehicle Registration Financial Responsibility Program at 1-866-664-4545. Vehicle financial responsibility services cannot be completed at your local DMV field office.
FFVR 18 Online Version 8/2008