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Best Local Car Insurance Agencies in Citrus Heights

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Beach & O’Neill Insurance Associates logo
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License Verified:

License: 0K07568

California Department Of Insurance

Beach & O’Neill Insurance Associates

7520 Greenback Lane, Citrus Heights, CA 95610
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  • Multiple Carriers

Business Description

Beach & O’Neill Insurance Associates is an auto insurance provider serving Citrus Heights and nearby areas. The agency's car insurance features bodily injury liability to prevent the risk of lawsuits. It also covers property damage liability if a car hits a third party's home, building, fence, or lawn. Additionally, it offers uninsured motorist coverage for victims of hit-and-runs or if the party at fault is underinsured. The company has over 60 years of experience and has been featured in The Sacramento Business Journal.

License Verified:

License: 0K07568

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.
4.4
Facebook
5.0 / 5 (23)
Yelp
2.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bolt Insurance Services logo
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License Verified:

License: 0G40486

California Department Of Insurance

Bolt Insurance Services

7359 Greenback Lane, Citrus Heights, CA 95621
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  • Bundling Option

Business Description

Bolt Insurance Services provides Citrus Heights residents with car insurance policies. Led by Javier Rodriguez, who founded the company in 2007, Bolt Insurance Services strives to meet the unique needs of each client. Rodriguez values professionalism while keeping a positive attitude whenever he meets his clients. He also helps clients looking to get insurance for their trucks. The company carries insurance brands such as Freedom Insurance Ltd., Bristol West Insurance Group, Viking Insurance, and Commerce West Insurance.

License Verified:

License: 0G40486

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.
4.6
Google
4.7 / 5 (28)

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
––
Greg Polley logo
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License Verified:

License: 0L04359

California Department Of Insurance

Greg Polley

8084 Old Auburn Road, Citrus Heights, CA 95610
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  • Multiple Carriers

Business Description

Greg Polley is a local State Farm claims representative based in Citrus Heights that provides auto insurance products to residents in the metro. His agency can craft auto insurance policies that offer financial protection to clients in the event of traffic accidents, losses, and natural disasters. He also has home and life insurance products and services. Aside from being an agent, Polley is a Chartered Financial Consultant and a Chartered Property Casualty Underwriter.

License Verified:

License: 0L04359

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
Google
4.9 / 5 (39)
Facebook
5.0 / 5 (15)
Yelp
4.5 / 5 (6)

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
Horizon Valley Insurance logo
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License Verified:

License: 0H31752

California Department Of Insurance

Horizon Valley Insurance

8035 Madison Avenue, Citrus Heights, CA 95610
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  • Multiple Carriers

Business Description

Horizon Valley is an independent insurance agency providing services to its clients in Citrus Heights and the nearby areas. The agency offers personal insurance products, including car insurance coverage. Available policies offer the following options: liability coverage for other people, collision coverage, which covers the client's damaged vehicle, and comprehensive coverage, which covers theft, vandalism, fire, and hitting animals. Horizon Valley agency also offers insurance for homes and commercial businesses.

License Verified:

License: 0H31752

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.
4.4
Google
4.4 / 5 (17)

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
HUB International Sacramento logo
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HUB International Sacramento

3636 American River Drive, Sacramento, CA 95864
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Business Description

Established in 1998, HUB International Sacramento is an insurance and brokerage firm that serves residential and commercial clients in Citrus Heights and nearby areas. It offers a variety of products and services, ranging from auto insurance, as well as boat, yacht, and personal watercraft insurance. It also covers high-value items and has a comprehensive line of risk management options that can meet the needs of each client. The company employs a team of insurance specialists that can cater to different industries, such as construction, agriculture, and healthcare.

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
4.4 / 5 (19)

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
––
Lions & Coventry Insurance Services, LLC logo
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License Verified:

License: 0G22084

California Department Of Insurance

Lions & Coventry Insurance Services, LLC

7816 Uplands Way, Citrus Heights, CA 95610
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  • Multiple Carriers

Business Description

Lions & Coventry Insurance Services, LLC, offers auto insurance solutions to contractors, businesses, individuals, and families in Citrus Heights. The company carries insurance plans for cars and recreational vehicles, including motorcycles, ATVs, motorhomes, and boats. Its insurance advisors aid vehicle owners in obtaining suitable coverage packages, such as rental reimbursements, roadside assistance, personal injury protection, and uninsured motorist coverages. Founded in 1998, Lions & Coventry Insurance Services aims to build lasting client relationships also specialize in Cannabis and Hemp insurance It holds licenses in 35 states.

License Verified:

License: 0G22084

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 (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
Louis Sanchez Insurance Services, LLC. logo
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License Verified:

License: 0D80875

California Department Of Insurance

Louis Sanchez Insurance Services, LLC.

1333 Howe Avenue, Sacramento, CA 95825
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  • Bundling Option

Business Description

Louis Sanchez Insurance Services, LLC, is a full-service insurance company that has been serving Citrus Heights and surrounding localities for more than three decades. Founded in 1987, the independent insurance agency assists individuals, families, and businesses secure adequate protection for themselves and their vehicles against accidents, injuries, theft, and other unforeseen circumstances. Its agents represent multiple carriers and select the right policy to match their client's needs. They also handle claims filing and policy change requests. The company serves clients throughout California.

License Verified:

License: 0D80875

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.
4.3

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
Odessa Insurance - Citrus Heights logo
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License Verified:

License: 6002631

California Department Of Insurance

Odessa Insurance - Citrus Heights

7433 Greenback Lane, Citrus Heights, CA 95610
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  • Bundling Option

Business Description

Odessa Insurance and Financial Services Inc. is a full-service insurance and financial management company that caters to the insurance needs in Citrus Heights and surrounding communities. The firm assists individuals and families in shopping for the most suitable auto insurance plan. Its independent insurance agents work with more than 70 insurance providers to create a customized policy for their clients. They also help customers with vehicle registration. Past clients have commended the firm for going the extra mile in helping them with their insurance needs.

License Verified:

License: 6002631

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.
4.4
Google
4.4 / 5 (58)

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
Pacific Unity Insurance Solutions, Inc. logo
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License Verified:

License: 0K60579

California Department Of Insurance

Pacific Unity Insurance Solutions, Inc.

2241 Douglas Boulevard, Roseville, CA 95661
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  • Multiple Carriers

Business Description

Pacific Unity Insurance Solutions, Inc., is a locally owned company providing insurance services to businesses and individuals in Citrus Heights and the greater Sacramento area. It helps clients navigate risk and provide insurance to prepare for the unexpected, such as damage, loss, or injury caused by car accidents. Its team is equipped with over 20 personal line carriers and up to 100 or more when considering all lines of insurance. Pacific Unity is a full-service agency that works with its clientele on a one-on-one basis.

License Verified:

License: 0K60579

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
Google
5.0 / 5 (65)
Yelp
4.5 / 5 (12)

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
R K Jacobs Insurance Services, Inc logo
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License Verified:

License: 0H45116

California Department Of Insurance

R K Jacobs Insurance Services, Inc

5006 Sunrise Boulevard, Fair Oaks, CA 95628
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

Business Description

R K Jacobs Insurance Services, Inc., is an independent agency that provides auto insurance products and services to individuals and businesses in Citrus Heights and the nearby areas. Since 1977, the company has been working with various insurance carriers to provide customized insurance plans that are suited to the clients' budget and needs. As members of the community, its agents help the clients in understanding the coverages they need to purchase and are committed to providing quality insurance solutions.

License Verified:

License: 0H45116

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
Yelp
5.0 / 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
SaveMost Insurance Services LLC logo
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License Verified:

License: 0I41635

California Department Of Insurance

SaveMost Insurance Services LLC

4150 Manzanita Avenue, Carmichael, CA 95608
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  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

Business Description

As an independent agency, SaveMost Insurance Services LLC screens multiple carriers to provide the policy that will suit their clients' needs. Offering all aspects of personal insurance, the agency provides coverage for autos, watercraft equipment, motorcycles, and recreational vehicles such as ATVs. Companies can also avail of the agency's commercial auto insurance for business-owned vehicles including cars and delivery trucks. SaveMost Insurance Services LLC serves the residents of Citrus Heights and the entire state of California.

License Verified:

License: 0I41635

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 (29)
Google
4.3 / 5 (13)
Yelp
3.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Toby Stapleton Agency logo
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License Verified:

License: 0k44782

California Department Of Insurance

Toby Stapleton Agency

10112 Fair Oaks Boulevard, Fair Oaks, CA 95628
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  • Multiple Carriers

Business Description

Toby Stapleton Agency is a locally-owned insurance company that has been serving Citrus Heights and nearby communities since 2015. The independent insurance agency assists car owners and motorists in obtaining an auto insurance policy that can protect themselves and their vehicles against injuries, medical costs, and damages from accidents and other events. Its agents shop for insurance providers that can provide coverage options for bodily injury, medical payments, collision, comprehensive reimbursements, uninsured motorists. The company values trust and integrity in all its services.

License Verified:

License: 0k44782

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)
Western Auto Insurance Center logo
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License Verified:

License: 0F49779

California Department Of Insurance

Western Auto Insurance Center

2100 Watt Avenue, Sacramento, CA 95825
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  • Multiple Carriers

Business Description

Western Auto Insurance Center is an independent insurance agency that has been providing insurance options for car owners in Citrus Heights and surrounding communities for more than two decades. Its agents conduct consultations to assess the needs and requirements of their clients for a car insurance policy. The company utilizes modern software to search for top-rated providers and compare their coverage options. The company also operates a 24/7 customer service center. Other offerings include motorcycle, home, life, and commercial insurance.

License Verified:

License: 0F49779

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 (21)

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
Back to Providers

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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