At Overacre Insurance Agency & Manteca Insurance & Financial Services, we understand that your vehicle is more than just a way to get from point A to point B—it’s part of your everyday life. Whether you're commuting to work, running errands, or heading out for a weekend getaway, the right auto insurance gives you the confidence to drive forward with peace of mind.
As independent agents serving Idaho and California, we work with top-rated carriers to help you compare plans, understand your coverage, and choose what works best for your lifestyle and budget.
Protect What Moves You—With Local Auto Insurance You Can Trust
What’s the difference between liability and full coverage?
Liability coverage pays for injuries or damage you cause to others. “Full coverage” typically refers to a policy that includes liability, collision, and comprehensive coverage—offering broader protection for your own vehicle as well.
How is individual disability insurance different from employer-sponsored plans?
Employer plans often provide limited coverage and may not follow you if you change jobs. Individual policies are portable, customizable, and can offer more comprehensive benefits.
How can I lower my auto insurance rates?
We’ll help you explore discounts for things like safe driving, bundling policies, good student status, anti-theft devices, and more. Choosing the right coverage level can also impact your premium.
What if I need SR-22 insurance?
No problem. We work with drivers who need to file an SR-22 in Idaho or California. We'll help you understand the process and get you back on the road legally and affordably.
Does my policy cover other drivers or rental cars?
Coverage varies by policy. We’ll walk you through your options, including permissive use coverage and rental car coverage, so you know exactly what’s protected.
What Does Auto Insurance Cover?
We’ll help you build an auto insurance policy that fits your life, offering coverage options like liability insurance—required in most states—to help cover injuries or damage to others if you’re at fault. You can also include collision coverage for damage to your own vehicle, and comprehensive coverage for non-collision events like theft, vandalism, hail, or animal impacts. For added peace of mind, we offer uninsured and underinsured motorist protection, medical payments or personal injury protection to cover medical costs regardless of fault, and SR-22 options for drivers in Idaho and California who need to meet state filing requirements.
Who We Serve
We proudly help drivers across:
- Kimberly & Idaho Falls, Idaho
- Manteca, California
- And surrounding communities
From first-time drivers to multi-car families and small business owners with work vehicles, we provide personalized coverage and straight answers.