Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
California law requires:
$15,000 for injury/death to one person
$30,000 for injury/death to more than one person
$5,000 for property damage
However, these limits may not be enough in a serious accident. We recommend higher limits for better protection.
Most full coverage policies extend to rental vehicles for personal use. However, coverage may vary. If you frequently rent vehicles, we can discuss options like rental reimbursement and extended liability protection.
Los Angeles drivers often pay more due to traffic congestion, accident rates, and repair costs. Your neighborhood, commute length, and even your parking situation (garage vs. street) can affect your rate.
Yes! Bundling auto insurance with homeowners, renters, life, or umbrella coverage through Farmers can unlock valuable discounts and simplify your policy management.
Uninsured/Underinsured Motorist (UM/UIM) coverage helps cover your medical bills and property damage if the other driver doesn’t have adequate insurance. In LA, where uninsured drivers are common, this is an important coverage to consider.
Collision covers damage to your vehicle from accidents — whether you hit another car or an object. Comprehensive covers non-collision events like theft, vandalism, fire, or falling objects — especially useful in high-risk urban areas.
Yes. California law requires all motorcycle riders to carry minimum liability insurance to legally operate their bike. This helps cover injuries or property damage you may cause to others in an accident.
Only if you have comprehensive coverage. This optional add-on protects your bike from non-collision incidents like theft, vandalism, fire, or weather-related damage.
Definitely. Bundling your motorcycle insurance with other Farmers policies — like auto, home, or renters — can qualify you for multi-policy discounts and simplify your coverage.
Motorcycle insurance typically covers a wide range of bikes, including cruisers, sport bikes, touring motorcycles, scooters, mopeds, and even some off-road bikes.
This coverage helps pay for your medical bills and damages if you’re hit by a driver who has little or no insurance.
Classic car insurance typically covers vehicles that are 20 to 25 years old or older, maintained in good condition, and not used for daily driving. Unique, collectible, or restored vehicles may also qualify.
While definitions can vary, classic cars are usually 20–40 years old, vintage cars are typically from the early 1900s to the 1930s, and antique cars are generally over 45 years old.
No. Classic car insurance is designed for limited use, such as pleasure driving, car shows, and club events—not daily commuting or errands.
Yes. Insurers usually require that you own a separate, regularly used vehicle to qualify for classic car insurance.
Yes. Many policies include or offer optional coverage for spare parts, tools, and accessories related to your classic vehicle.
In many cases, yes. Classic car insurance often allows you to work with specialists who are experienced in restoring vintage and collectible vehicles.
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
