Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Majority of CA Cars at Problematic Age | Garage Insurance Product Highlight

Published on January 14, 2019

auto repair garage insurance wholesale Abram CA CMGA commercial lines

Most people don’t think about where their local trustworthy auto repair garage is until they need one. But chances are, your community has more than a few. Why is that? Because we are a driving society, and where there are cars, there are also cars that need fixing.

According to Consumer Reports, the average life expectancy of a new vehicle these days is around 8 years or 150,000 miles. Of course, some well-built vehicles can go 15 years and 300,000, if properly maintained.

Even so, the 2018 report from the California Bureau of Automative Repair (BAR) — which includes all cars that had smog tests done in 2017 in CA — shows that 65% of the more than 11 million cars tested from that year are between 10-20 years old. 

That shows that a large majority of car owners in California own vehicles which are statically past their prime, and may often need the services of auto shops for repair.

Now, ask yourself, if Auto Repair Garage’s have such a staple foothold in our communities because of this supply and demand, why are you not insuring more (or any) of them?

Time to change that. Abram Interstate can help you with great markets for your Garage Insurance risks. Become the go-to insurance agent for risks like these in your community. We can help.

Garage Insurance Highlights:


  • General Automotive Repair
  • Auto Body & Collision Repair
  • Retail Tire Stores – No Used Tire Sales
  • Oil & Lube Shops
  • Brake, Transmission and Muffler Shops
  • Auto Glass Repair/Installation
  • Vehicle Sound/Alarm System Installation

COVERAGES (Packages Available)

  • Garage and General Liability – Mechanics E&O – Employee Benefits Liability
  • Building and Business Personal Property – No Coinsurance Provision
  • Business Income and Extra Expense – Actual Loss Sustained
  • Equipment Breakdown Protection
  • Limited Discrimination Coverage Option
  • Crime – Employee Dishonesty, Forgery or Alteration, Money and Securities
  • Business Auto Liability and Physical Damage
  • Garage Keeper’s Liability (Direct or Legal Liability Basis) – Blanket Waiver of Subrogation available
  • Umbrella liability limits up to $5 million – $750 minimum premium
  • $25,000 Motor Vehicle Damage to Leased Buildings Available
  • Broad Form Products Coverage Available

Fill Out Your ACORDs 125, 126, & 140 HERE

Fill Out Your Garage Keepers Application HERE

Submit Completed ACORDS & App* to apps@abraminterstate.com

*If Garage Keepers Coverage is Needed: Submit completed Garage Keepers Application is required as well as ACORDs 125, 126, & 140.

If Garage Keepers Coverage is not needed: Submit completed ACORDs 125, 126, & 140

Abram Interstate Insurance Services, Inc., CMGA is a Managing General Agent & Wholesaler with expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Quote Online Today.