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Best Local Car Insurance Agencies in Chico

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Butte Community Insurance Agency logo
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License Verified:

License: 0E61909

California Department Of Insurance

Butte Community Insurance Agency

2611 Forest Avenue, Chico, CA 95928
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  • Multiple Carriers
  • Bundling Option
  • Boats

Business Description

Serving the residents of Chico, Butte Community Insurance Agency offers different insurance products throughout Northern California. Its agents assist vehicle owners by offering auto insurance policies for cars and watercraft, such as boats. Locally and independently owned, the company also provides commercial, crop, farm, disability, and home insurance products and services. With access to multiple providers, Butte Community Insurance Agency can customize policies that suit its clients' needs and lifestyles.

License Verified:

License: 0E61909

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 (2)

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
Chico Creek Insurance Services logo
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License Verified:

License: 0I56088

California Department Of Insurance

Chico Creek Insurance Services

500 Cohasset Road, Chico, CA 95926
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

The three-person team at Chico Creek Insurance Services assists clients in a wide range of areas including auto insurance. The company provides protection plans for car owners that cover vehicle damage resulting from a collision, fire, flood, and theft. Optional coverage add-ons such as roadside assistance and rental reimbursement may also be included in the policies. The agents also insure antique cars and also handle SR-22 filing. Some of the carriers they work with are Dairyland, Progressive, and Kemper.

License Verified:

License: 0I56088

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
Facebook
5.0 / 5 (35)
Google
4.3 / 5 (28)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Chico Creek Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0I56088

California Department Of Insurance

Chico Creek Insurance Services

500 Cohasset Road, Chico, CA 95926
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  • Multiple Carriers

Business Description

Chico Creek Insurance Services is an independent insurance agency based in Chico that provides insurance products to clients in the metro. The agency specializes in all kinds of auto insurance solutions as well as other personal and business insurance lines. Its auto insurance policies provide state-required coverage for liabilities and other additional coverage for towing, roadside assistance, and rental reimbursements. Chico Creek Insurance Services is conveniently located in front of the local DMV in Chico.

License Verified:

License: 0I56088

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
Facebook
5.0 / 5 (32)
Yelp
5.0 / 5 (4)
Google
5.0 / 5 (2)

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
Eddy Rodriguez logo
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License Verified:

License: 0K70113

California Department Of Insurance

Eddy Rodriguez

45 Jan Court, Chico, CA 95928
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  • Multiple Carriers
  • Bundling Option

Business Description

Eddy Rodriguez is a State Farm insurance agent based in Chico. A native Spanish speaker, he helps clients with their auto insurance needs. The auto insurance coverage options include collision, comprehensive, and ridesharing. He has a highly experienced team that has a strong focus on assisting clients to achieve a high quality of life. The team also believes in a responsible way of managing risk can help build a better community for the future.

License Verified:

License: 0K70113

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
Google
5.0 / 5 (89)
Facebook
5.0 / 5 (3)
Golden Apple Insurance & Financial Services logo
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License Verified:

License: 0H49926

California Department Of Insurance

Golden Apple Insurance & Financial Services

2056 Talbert Drive, Chico, CA 95928
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  • Bundling Option

Business Description

Golden Apple Insurance and Financing is a professional and independent insurance agency that serves commercial and residential clients in Chico, Butte, Glenn, Tehema, and nearby areas. It offers a comprehensive range of insurance products and services such as auto insurance, life, and retirement insurance, home insurance as well as liability insurance coverage. The company has ties with trusted and reputable insurance companies such as Horace Mann, Progressive, Foremost, California Fair Plan, Wright, Chubb, and Aegis Insurance.

License Verified:

License: 0H49926

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.
4.2
Facebook
4.7 / 5 (6)
Google
3.0 / 5 (4)
Yelp
1.0 / 5 (1)

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
––
Heritage Insurance Agency logo
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License Verified:

License: 0F22446

California Department Of Insurance

Heritage Insurance Agency

290 Airpark Boulevard, Chico, CA 95973
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Established in 1978, Heritage Insurance Agency serves clients in and around Chico. The company provides auto insurance plans to cover general damages caused by fire, weather, and theft. It also reimburses policyholders affected by accidents, either for the injured or the underinsured drivers. Heritage Insurance Agency is an independent company and can review plans from different carriers like Nationwide and Atlas. It also covers motorcycles, snowmobiles, classic cars, and RVs. The company's other plans include agriculture and homeowners' insurance.

License Verified:

License: 0F22446

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
Google
5.0 / 5 (182)
Facebook
5.0 / 5 (54)
Yelp
5.0 / 5 (2)

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
Jeff Fowler Insurance Services logo
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License Verified:

License: 0L07979

California Department Of Insurance

Jeff Fowler Insurance Services

426 Broadway Street, Chico, CA 95928
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  • Motorcyle & ATV

Business Description

Jeff Fowler Insurance Services is a locally owned and operated independent insurance agency located in Chico that provides business, home, farm, life, and auto insurance. The agency believes that accidents can happen anytime and therefore it's important to keep cars insured. The agency provides premium auto insurance with a personalized approach to give clients the best coverage that suits them. Whether it's liability, comprehensive, or collision coverage, its team can help find clients a policy that keeps them protected at all costs.

License Verified:

License: 0L07979

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
Google
5.0 / 5 (51)

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
Matt Davis Insurance Agency logo
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License Verified:

License: 0I72002

California Department Of Insurance

Matt Davis Insurance Agency

175 East Avenue, Chico, CA 95926
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  • Bundling Option

Business Description

Matt Davis Insurance Agency is an independent auto insurance agency located in Chico, helping clients find the perfect combination of coverage that fits their needs at the best price. The company prides itself on its commitment to giving expert guidance and customer service that is transparent, friendly, and detailed. Under their auto insurance products, they offer a variety of options including medical, liability, and property coverage. They also offer bundling options for their auto, home, and renters insurance

License Verified:

License: 0I72002

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
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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
Nevin and Witt Insurance & Financial Services logo
Visit WebsiteWebsite

License Verified:

License: 0D26864

California Department Of Insurance

Nevin and Witt Insurance & Financial Services

1600 Mangrove Avenue, Chico, CA 95926
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  • Multiple Carriers

Business Description

Nevin and Witt Insurance and Financial Services is a locally owned and operated agency that has been in the industry since 1950. Its insurance agents provide auto insurance information to families, individuals, and small businesses in Chico and nearby areas. They search for the best auto coverage that protects clients financially in an event of the unexpected. Its educated and licensed customer service representatives can accommodate additional auto insurance options such as requesting an ID card, adding a driver to the policy, and removing the vehicle from the policy.

License Verified:

License: 0D26864

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
4.6 / 5 (14)
Yelp
3.0 / 5 (11)
Facebook
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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