At Cobos Insurance, we help all types of individual’s secure automobile coverage. Whether you have a perfect or not so perfect driving record we have a product for you. We represent several A-rated carriers, including but not limited to Grange, Ohio Mutual, Progressive, Hagerty, and Safeco. Most of our carriers offer policies in either 6 or 12 month increments.
We understand that everyone has a different set of circumstances and are likely in different seasons of their lives. You may have just gotten married, you may be a single college student, you might be nearing retirement age, regardless we know your situation is unique from other people .
We help you find and customize a Cleveland car insurance policy to fit your needs. At Cobos Insurance, we take a consultative approach to helping you secure the best coverage for your situation.
Some of the auto products we offer: Auto Insurance Non Standard Auto SR 22 Filing Classic Cars
"I needed to make a change to my auto policy today. All it took was a phone call to find out to make the change. Within a couple of hours the paperwork was emailed to me. Caitlyn was very helpful and answered my questions. She couldn't have made this a simpler process. Thank you!”
- Heather, Elyria OH
In addition to your base policy, we also offer many endorsements to further customize and enhance your coverage. Listed below are some of our most common coverage that we see our clients add to their Cleveland car insurance policy.
Towing- This coverage it pays the cost of towing your car to a repair shop when it is unable to be driven and covers a specified amount of necessary labor charges at the place of the breakdown.
Rental - Coverage for renting a car as a substitute for your vehicle when it is disabled, or is being repaired, after a covered accident. Daily rental allowances or limits are subject to the terms of your car insurance policy.
Mobile Coverage: Coverage to for smartphones, Ipods, tablets, laptops that are damaged in an accident.
Loan Lease Payoff Loan/Lease Payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible.
Commonly Asked Questions
What is a deductible?
The deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
If I have a claim do I have to go to a specific auto body mechanic
No, at Cobos Insurance you are allowed to go to any auto body mechanic or dealer of your choice.
What kind of discounts do you offer?
At Cobos Insurance, we offer many different types of discounts.
Claims Fee Discount
Paid in Full/ Auto Draft Discount
What forms of payment do you accept?
We accept Visa, Mastercard, Debit Card, ACH and cash
How can I start a policy
Here at Cobos Insurance, we can start your policy in person, over the phone, email or facsimile.
How soon will coverage take effect?
Coverage will start, as soon as, you make a payment and sign the applications.
When will I get my ID cards?
We can send you ID cards same day via email or fax.
If I need to make changes, how can I contact you?
At Cobos Insurance, you can come in, call, email, or contact us via website.
I want to be an uber/lyft driver, will my personal auto policy cover that ?
No, your personal auto will not cover using your car as a livery. You must purchase a commercial auto policy or have a ride sharing add-on. If you get in an accident while ride sharing your provider could have grounds to deny the claim or non-renew your personal auto policy.
How much money do I have to put down?
On average, you will need to put at least one month of premium down.