Personal Insurance

Auto Insurance

Drive with Confidence — We’ve Got You Covered.
Your car is more than transportation. It’s freedom, convenience, memories, and responsibility. At DHW, we protect what drives your life — tailoring auto coverage that’s clear, reliable, and aligned to your needs.

Let's Talk

Why Auto Insurance Matters in California

California roads are busy, and accidents happen. With a fault-based insurance system, the driver responsible for an accident covers the costs. That’s why having the right policy is crucial—to protect yourself, your passengers, and your wallet. Millions of car accidents occur in the U.S. each year. Without the right coverage, a single accident could leave you with massive out-of-pocket expenses.

Get a Free Quote

Recreational Vehicle Insurance

Your RV, camper, or motorhome is your home on wheels. We cover everything from roadside assistance to vacation protection, ensuring your adventures stay worry-free.

Gap Coverage

Owe more on your car loan than your vehicle’s worth? If your car is totaled, gap insurance covers the difference, so you’re not stuck paying for a car you no longer have.

Collector/Classic Car Insurance

Own a vintage or classic car? Standard policies don’t always cut it. We offer specialized coverage to protect your investment – whether it’s a weekend cruiser or a showpiece.

How DHW Makes Auto Insurance Better

Personalized underwriting — you’re not a risk class on paper, you’re a driver with behavior, habits, and history.
Access to competitive markets to find you the best balance of price and protection.
Claims support with speed, clarity, and advocacy so you don’t feel lost.
Annual reviews — life changes, your policy should too (new vehicle, new driver, new habits).

Why Choose DHW?

We’re more than just an insurance provider—we’re your trusted partner. We take the time to understand your needs, customize your policy, and ensure you get the best protection at the right price.rnrnGet covered with Dedication, Heart, and Wisdom—the DHW way. Contact us today for a free quote and drive with confidence!