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Best Local Car Insurance Agencies in Costa Mesa

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Cliff Cottam Insurance Services logo
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License Verified:

License: 0N07168

California Department Of Insurance

Cliff Cottam Insurance Services

3013 Douglas Boulevard, Costa Mesa, CA 95661
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  • Multiple Carriers

Business Description

Cliff Cottam Insurance Services is a full-service insurance firm that has been serving Costa Mesa and neighboring localities for nearly two decades. Established in 2004, the independent insurance agency protects individuals, families, and business owners against financial losses and unprecedented risks that involve their vehicles through an auto insurance policy. Its agents shop for coverage options like property, liability, and medical protection among different carriers. They also guide customers in handling premiums, deductibles, and claims filing.

License Verified:

License: 0N07168

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 (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
College Student Insurance Service, Inc. - Costa Mesa logo
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License Verified:

License: 0787082

California Department Of Insurance

College Student Insurance Service, Inc. - Costa Mesa

1914 Meyer Place, Costa Mesa, CA 92627
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  • Multiple Carriers

Business Description

College Student Insurance Service, Inc., which is located in Costa Mesa, offers a full range of financial protection services. The family-operated company provides different insurance products including auto insurance. The agency works with various carriers to create car insurance plans for clients that may include property coverage, medical coverage, and liability coverage. Some of the insurance providers the professionals work with are MetLife, Progressive, and Safeco Insurance. College Student Insurance Service, Inc., has been insuring clients for over five decades.

License Verified:

License: 0787082

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.
4.8
Facebook
4.9 / 5 (42)
Google
5.0 / 5 (20)
Yelp
4.5 / 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
DIAI Insurance Brokerage logo
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License Verified:

License: 0567179

California Department Of Insurance

DIAI Insurance Brokerage

7561 Center Drive, Huntington Beach, CA 92647
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  • Bundling Option

Business Description

DIAI Insurance Brokerage Inc. is a full-service insurance company that has been serving the Costa Mesa metro area and nearby communities for more than 40 years. Founded in 1972, the firm provides financial protection to car owners and motorists against accidents and potential risks through an auto insurance policy. Its agents work with several insurance companies that can provide different coverage options—such as bodily injury and property damage liabilities, medical payments, comprehensive, collision, and uninsured motorist coverage. The company also serves clients throughout Arizona, California, and Nevada.

License Verified:

License: 0567179

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joel Samuels logo
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License Verified:

License: 0K75626

California Department Of Insurance

Joel Samuels

9042 Garfield Avenue, Huntington Beach, CA 92646
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  • Multiple Carriers

Business Description

Joel Samuels is a State Farm agent who writes car insurance in Costa Mesa. He and his team also offer home, life, health, and business policies to protect their clients and assets. They inform clients about different options and advise based on their insurance needs. A life-long resident of Costa Mesa himself, Joel Samuels supports various local organizations and schools because he believes in the importance of helping his community.

License Verified:

License: 0K75626

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 (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
Mike Ferraro Jr. logo
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License Verified:

License: 0M16727

California Department Of Insurance

Mike Ferraro Jr.

2503 Eastbluff Drive, Newport Beach, CA 92660
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  • Multiple Carriers
  • Bundling Option

Business Description

Mike Ferraro Jr. is an auto insurance agent that serves residents around the Costa Mesa area, as well as those in Newport Beach and Orange County. Coming from a family also in the insurance industry, Ferraro J.r has been educating people on managing risk and finding the perfect insurance coverage for their needs since 2015, promising transparent and top-level customer service for his clients. He also helps clients looking for options regarding homes, renters, life, and small business insurance.

License Verified:

License: 0M16727

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
Yelp
5.0 / 5 (20)
Facebook
5.0 / 5 (16)

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
––
News Insurance Services, Inc. logo
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License Verified:

License: 0E61920

California Department Of Insurance

News Insurance Services, Inc.

2072 Orchard Drive, Newport Beach, CA 92660
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  • Multiple Carriers

Business Description

News Insurance Services, Inc., is an insurance provider located in Newport Beach that extends its services to the people of Costa Mesa. Family-owned and operated, it works with a carefully selected group of reputable insurance carriers to answer the various needs of clients, including standard auto insurance. The company’s professional agents draw up multiple quotes for motorists to choose from based on their personal requirements and preferences. News Insurance Services also insures commercial vehicles, classic cars, and boats.

License Verified:

License: 0E61920

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
4.5 / 5 (57)

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
Peter Green Insurance Agent logo
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License Verified:

License: 0G81352

California Department Of Insurance

Peter Green Insurance Agent

3151 Airway Avenue, Costa Mesa, CA 92626
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  • Multiple Carriers

Business Description

Based in Costa Mesa, Peter Green Insurance Agent is an auto insurance agency that provides insurance services for individuals and businesses. Under its auto insurance coverage, it offers a variety of choices for coverage including collision, comprehensive, medical payments, and bodily injury insurance. With over 14 years of insurance experience, the agents approach their clients' concerns from their point of view by discussing and determining the insurance that they need while making sure that it is still within their budget.

License Verified:

License: 0G81352

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
Yelp
5.0 / 5 (19)
Google
4.7 / 5 (13)

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
Premier Associates Insurance Brokers logo
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License Verified:

License: 0H31754

California Department Of Insurance

Premier Associates Insurance Brokers

3931 Birch Street, Newport Beach, CA 92660
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  • Multiple Carriers

Business Description

Premier Associates Insurance Brokers is an independent agency that provides insurance protection for individuals and families in Costa Mesa and nearby areas. The insurance agents at this firm offer car insurance policies that cover clients financially from car accident-related injuries, medical bills, liabilities, property damages, and lost wages. The other products they offer are homeowners', renters', business, and commercial insurance. Customers can access the agency's website anytime to make changes to their policies, send payments, or make a general inquiry.

License Verified:

License: 0H31754

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.
4.8
Google
4.8 / 5 (19)
Yelp
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
Professional Choice Insurance logo
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License Verified:

License: 0E38484

California Department Of Insurance

Professional Choice Insurance

2151 Michelson Drive, Irvine, CA 92612
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  • Multiple Carriers

Business Description

Professional Choice Insurance is an independent insurance agency serving Costa Mesa and the rest of California. The firm represents multiple carriers to provide more extensive insurance coverages to individuals, families, and businesses. Its broad list of insurance products includes a policy for car owners which covers liability, collision, and comprehensive coverage. Moreover, the company's sole mission is to match its clients with the best insurance package that suits their unique lifestyles.

License Verified:

License: 0E38484

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 (5)
Facebook
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
shorepointinsurance.com logo
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License Verified:

License: 0K07568

California Department Of Insurance

shorepointinsurance.com

1120 Bristol Street, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Multiple Carriers

Business Description

Shorepoint Insurance Services is an insurance provider based in Costa Mesa, serving individuals, families, and businesses throughout the State of California. Since 1962, it has been designing a wide variety of customized protection plans, including auto insurance. Its independent insurance brokers help vehicle owners obtain coverage against physical damage to their car, as well as from bodily injury or property damage to others. Shorepoint Insurance Services also assists clients to insure collector vehicles, boats, and recreational vehicles.

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.
4.5
Facebook
4.5 / 5 (57)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sun Vista Insurance Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0741575

California Department Of Insurance

Sun Vista Insurance Services, Inc.

21062 Brookhurst Street, Huntington Beach, CA 92646
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  • Multiple Carriers

Business Description

Sun Vista Insurance Services, Inc., is a full-service insurance management firm that caters to the personal and commercial insurance needs in Costa Mesa and nearby localities. The company assists individuals, families, and business owners in obtaining the right auto insurance policy that best suits their needs and resources. Its independent insurance agents compare coverage options of multiple providers and create a customized policy based on their client's requirements. The company prides itself on its timely, efficient, and hassle-free service.

License Verified:

License: 0741575

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 (1)
Wigmore Insurance Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0811959

California Department Of Insurance

Wigmore Insurance Agency, Inc.

880 West 19th Street, Costa Mesa, CA 92627
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  • Multiple Carriers

Business Description

Wigmore Insurance Agency Inc. is an independent insurance agency operating in the Costa Mesa metro and surrounding areas. The company provides insurance products for personal and commercial needs including its auto insurance policies. The policies provide coverage for bodily injuries caused to others during an accident as well as physical damages sustained by the vehicle. Wigmore Insurance Agency was founded in 1952 by insurance professional and businessman Robert J. Wigmore.

License Verified:

License: 0811959

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
Yelp
5.0 / 5 (15)
Google
4.3 / 5 (3)
Facebook
3.0 / 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.
4.0
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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