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Best Local Car Insurance Agencies in Apple Valley

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Clear Insurance Services logo
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Clear Insurance Services

15040 Seventh Street, Victorville, CA 92395
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  • Bundling Option

Business Description

Clear Insurance Services is a full-service independent agency serving Apple Valley clients. Its team of auto insurance professionals provides full-coverage policies for different types of vehicles including antique, classic, and commercial cars. The agency has an online system that allows clients to obtain instant insurance rate quotes and comparisons from various insurance firms across the country. Home insurance packages are also offered for families. Other insurance services are available for environmental, business income, and builders' risk needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dan Smith Insurance Agency, Inc. logo
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License Verified:

License: 0723078

California Department Of Insurance

Dan Smith Insurance Agency, Inc.

14950 Circle Drive, Victorville, CA 92395
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  • Motorcyle & ATV

Business Description

Dan Smith Insurance Agency, Inc. is a privately owned and operated agency that offers comprehensive insurance and risk management solutions for cars and other vehicles in Apple Valley, Victorville, and the southern parts of the state. With more than 100 years of serving a diverse group of individuals, families, and businesses, the agency represents a network of multiple reputable insurance carriers such Nationwide, Safeco, and Travelers. The agency caters to both personal and commercial clients.

License Verified:

License: 0723078

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Giezi Insurance Svcs llc logo
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License Verified:

License: 0K13676

California Department Of Insurance

Giezi Insurance Svcs llc

15208 Bear Valley Road, Victorville, CA 92395
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Giezi Insurance Svcs LLC is an auto insurance company that serves clients in Apple Valley. Since 2010, it has been advising policy buyers that need key coverages for their vehicles, like collision and medical injury compensation. It reviews and compares policies from over 40 different carriers and provides registration services for cars. These include renewals, title changes, VIN checks, and duplication of documents. Giezi Insurance caters to Spanish-speaking clients and also offers insurance for motorcycles, homeowners, and commercial properties.

License Verified:

License: 0K13676

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (54)
Yelp
4.0 / 5 (5)
KPIA – Kennedy Professional Insurance Agency logo
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License Verified:

License: 0B44021

California Department Of Insurance

KPIA – Kennedy Professional Insurance Agency

19167 US Highway 18 S, Apple Valley, CA 92307
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

Kennedy Professional Insurance Agency (KPIA) is a family-owned business that has been servicing the Apple Valley metro and its surrounding areas since 1972. Its team of agents customizes auto policies for drivers and car owners with the right amount of coverage based on their unique situations. Aside from personal cars, they can also craft insurance plans for classic cars and motorhomes. KPIA partners with a multitude of insurance carriers to shop for the best coverage and rate that will match its clients' needs.

License Verified:

License: 0B44021

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (11)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
Northstar Pacific Insurance logo
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License Verified:

License: 0B63352

California Department Of Insurance

Northstar Pacific Insurance

15417 Anacapa Road, Victorville, CA 92392
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  • Multiple Carriers

Business Description

Northstar Pacific Insurance is a car insurance agency located in Victorville that also serves residents in Apple Valley. The company offers automobile insurance with plans suitable for different kinds of drivers, such as young and high-risk ones. Home and business insurance policies are also provided by the company. It is a local full-service agency founded in 1995 that is committed to understanding the current status and goals of its clients, enabling it to give them the best coverages based on their personal needs.

License Verified:

License: 0B63352

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Paul Wilkey logo
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License Verified:

License: 0I98754

California Department Of Insurance

Paul Wilkey

524 Barstow Road, Barstow, CA 92311
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  • Bundling Option

Business Description

Paul Wilkey is a State Farm agent that assists individuals and businesses with personal insurance solutions, including car insurance policies. As a long-time resident of Barstow, he serves the community of Apple Valley and the nearby areas. Wilkey and his team aim to protect their neighbors' assets and help them build their dreams. They also provide insurance for life, homes, and businesses. Wilkey is a board member of the Barstow Area Chamber of Commerce.

License Verified:

License: 0I98754

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vineyard Insurance Services logo
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License Verified:

License: 0E81060

California Department Of Insurance

Vineyard Insurance Services

22617 California 18, Apple Valley, CA 92308
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  • Bundling Option

Business Description

Vineyard Insurance Services is a car insurance agency based in Apple Valley. It is a family-owned company that has been providing its services to the community since 2004. It offers automobile and classic automobile insurance, as well as policies for recreational vehicles like watercraft, snowmobile, and motorcycles. Its agents, who have more than 35 years of combined experience in the insurance sector, are committed to going above and beyond to meet the insurance needs of each client.

License Verified:

License: 0E81060

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (28)
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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