Let’s Insure makes it very easy for our San Jose Insurance clients to communicate and do business with us over the phone or via the Internet. You can request a free quote, update your policy and even file a claim without having to meet face-to-face. We can address all your questions and concerns right over the phone or online. If you need a complete explanation of your coverage and what the numbers mean in your policy, just give us a call.


A Modified automobile is a car that has undergone a modification since it originally came off the factory floor. These would include, kit cars, replicas, street rods, muscle cars and other exotic vehicles that are being used mainly as a hobby. There are eligibility requirements that include, but not limited to the following: mileage guidelines, storage requirements, minimum operator age and minimum value of the vehicle being insured.


A Modified Auto Policy through Let’s Insure is perfect for cars that have been modified in the following ways:

  • Channeled
  • Chopped
  • Chromed
  • Flamed
  • Frenched
  • Lowered

This program is also perfect for cars powered by the following type of engine:

  • Caddy
  • Flathead
  • Hemi
  • Mouse motor
  • Olds rocket
  • Side oiler


A Street Rod is a car built prior to 1949 with a body, chassis, interior or engine suspension that has been modified.


A Customized or Modified vehicle is one that was built after 1948, is at least 20 years old that has been altered in some way from the original condition or model.


An assembled reproduction done commercially of any type of motor vehicle that is at least 25 years old.

This is a motor vehicle that comes in a kit and is assembled by the buyer. It must be of a vehicle at least 25 years old with the kit containing components that have been manufactured separately.

This would be a vehicle that is going up in value over time, rather than depreciating due to its particular make and model, plus the year it was made and outstanding condition inside and out.


Let’s Insure has the kind of experience that can provide our San Jose customers with full coverage, giving them peace of mind as they ride their motorcycle.

Our Motorcycle Program has policies covering:

  • Classic bikes
  • Cruisers
  • Custom cycles
  • Sport cycles
  • Touring bikes
  • Trike conversions


If you’re the type of person who likes to enjoy off-road vehicles Let’s Insure has policies that insures a wide range of recreational vehicles.

Our Off-Road Vehicle Program provides coverage for:

  • All-Terrain Vehicles – 3, 4 and 6-wheel ATVs.
  • Dirt bikes
  • Dune buggies
  • Golf carts
  • Snowmobiles


Let’s Insure in San Jose provides coverage for almost any type of motor home you can find on the market today. We accept over 98% of all motor homes that are submitted for coverage, if the driving record of the person to be insured is acceptable.

RVs covered include:

  • Low and high value motor homes
  • Motor homes in excess of 45 feet in length
  • Older model motor homes
  • Motor homes with a corporation as the titled owner
  • Motor homes having multiple owners
  • Full-time drivers over 70 years of age w/no surcharge
  • Drivers having minor traffic violations

Let’s Insure has policies for motor homes that can help you sell your motor home. We offer standard as well as vital optional coverage not typically available through auto policies or even in the RV policies provided by other insurance companies, that tend to be very stripped down.

We also provide coverage for the following:

  • Attached Accessory coverage, which includes awnings
  • Campsite and Vacation Liability coverage
  • Emergency Expense coverage


When you have a camping trip or vacation planned, you do not want to have to worry about being covered by insurance. Let’s Insure has insurance programs specifically designed for Travel Trailers that can give you the peace of mind you need to enjoy your trip. These specialized policies cover you whether you’re planning a short trip or a long trip taking weeks or a number of months.

Let’s Insure in San Jose helps protect your RV so that you can relax as you head out on your journey. Enjoying the open road is why you have an RV in the first place!

We provide insurance for a wide range of RVs / Travel Trailers:

  • Low and High value RVs
  • New and old RVs
  • Fifth-wheels
  • Pop-up campers
  • Luxury RVs and more

Our RV / Travel Trailer policies also give you many different options:

  • Full-Timer coverage
  • Roadside Assistance and Towing coverage
  • Replacement Cost coverage
  • Total Loss Replacement coverage
  • Personal Effects coverage

All the above options may not be available in every state.


San Jose is a great place for boating and Let’s Insure provides clients with a wide range of Boating Insurance to cover:

  • Bass boats
  • Charter boats
  • Houseboats
  • Personal watercraft
  • Sailboats
  • Ski Boats
  • Yachts