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Best Local Car Insurance Agencies in Downey

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Bravo Insurance & Tax Services logo
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Bravo Insurance & Tax Services

8811 East Imperial Highway, Doweny, CA 90242
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  • Motorcyle & ATV

Business Description

Bravo Insurance & Tax Services is an independent agency in Downey that offers auto insurance for individuals and families. Its agents supply clients with as many coverage options as possible from various insurance carriers. Some of the coverage types they provide include bodily injury liability, personal injury protection, collision, comprehensive, and uninsured motorist coverage. The company also reviews clients' current coverages to determine if there are gaps in the policies and premium reductions for which they may qualify.

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
Don Dixon & Associates logo
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License Verified:

License: 0316914

California Department Of Insurance

Don Dixon & Associates

8141 East 2nd Street, Downey, CA 90241
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Don Dixon & Associates is an insurance specialist that has been in service since 1949. The Downey-based agency handles multiple lines of insurance, including auto insurance. Its team can create protection plans for owners of classic cars, recreational vehicles, motorcycles, and watercraft. They have access to policies from different carriers, such as Liberty Mutual and The Hartford, allowing them to find plans that can cover their clients' unique needs. Don Dixon & Associates' other products include home and life insurance.

License Verified:

License: 0316914

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)

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
Efferem Sanchez logo
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License Verified:

License: 0C69600

California Department Of Insurance

Efferem Sanchez

12327 Woodruff Avenue, Downey, CA 90241-5628
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  • Motorcyle & ATV

Business Description

Efferem Sanchez is a State Farm insurance agent that serves the insurance needs of clients in Downey. Sanchez offers car insurance plans for collectors, new drivers, and business travelers. He provides clients plenty of auto insurance coverage options that best fit their financial needs. Comprehensive coverage pays for the replacement or repair of damaged or stolen vehicles. The coverage can also extend beyond the client's own vehicle to include newly acquired cars and substitute cars.

License Verified:

License: 0C69600

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
Yelp
5.0 / 5 (13)
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
Gardner Insurance logo
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License Verified:

License: 0468594

California Department Of Insurance

Gardner Insurance

1601 West Beverly Boulevard, Montebello, CA 90640
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  • Bundling Option

Business Description

Gardner Insurance Agency in Montebello, CA is an insurance agency that operates in the nearby Downey metro. The company provides insurance products and solutions to clients through its personal and commercial insurance lines. It offers auto insurance policies that offer options for comprehensive coverage or coverage for expenses for injury liabilities, collisions, medical payments, and other physical damages. The family-owned and operated company was founded in 1958 and has bilingual staff that caters to Spanish-speaking clients.

License Verified:

License: 0468594

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 (24)
Facebook
5.0 / 5 (7)
Google
4.4 / 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
Manor Insurance Agency, Inc. logo
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License Verified:

License: 0563564

California Department Of Insurance

Manor Insurance Agency, Inc.

8615 Florence Avenue, Downey, CA 90240
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  • Multiple Carriers
  • Boats

Business Description

Manor Insurance Agency Inc is an independent auto insurance agency that has been serving the Downey area since 1964, with a goal to provide quality insurance and offer the best personal service to residents. They offer a variety of auto insurance coverage including nonstandard auto, motorcycles, classic cars, off-road vehicles, and mechanical breakdown coverage. The agency works with several insurance carriers such as Mercury Insurance, Safeco, Foremost, First American, and California Fair Plan to make sure their clients get a deal that fits perfectly.

License Verified:

License: 0563564

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 (8)
Google
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
Newest Insurance Agency, Inc. logo
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License Verified:

License: 0D94583

California Department Of Insurance

Newest Insurance Agency, Inc.

11455 Paramount Boulevard, Downey, CA 90241
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  • Multiple Carriers

Business Description

Newest Insurance Agency, Inc. educates Downey drivers in selecting proper auto insurance coverages available in the market. The business endorses each client to its bilingual agents who can assist them in obtaining vehicle protection plans based on their needs. Its team has access to multiple insurance carriers, allowing it to create customized insurance coverages. Founder Juan Ramon Saldaña has been addressing insurance concerns since 1984. After navigating the real estate industry for years, he transitioned back to handling insurance programs in 1999.

License Verified:

License: 0D94583

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
Robert Does Insurance Services logo
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License Verified:

License: 0K32897

California Department Of Insurance

Robert Does Insurance Services

10802 Downey Avenue, Downey, CA 90241
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  • Bundling Option

Business Description

Robert Does Insurance Services is an independent insurance agency located in Downey that provides insurance products to residents in the metro. The agency has extensive experience writing auto insurance policies for clients seeking to protect themselves and their vehicles. It covers various types of motorists, including SR-22 drivers, ridesharing drivers, non-owners, drivers facing DUIs/DWIs, and drivers involved in a traffic accident. Robert Does Insurance also offers health, home, life, and business insurance solutions.

License Verified:

License: 0K32897

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 (30)
Google
5.0 / 5 (15)
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
The Point Insurance Services logo
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License Verified:

License: 0D34040

California Department Of Insurance

The Point Insurance Services

10535 Paramount Boulevard, Downey, CA 90241
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  • Bundling Option

Business Description

In 1996, Raul Castillo founded The Point Insurance, Inc. an independent insurance agency serving clients throughout Downey and Los Angeles. It offers standard auto insurance that includes but is not limited to liability, comprehensive, collision, uninsured motorist, medical payments, and property damage coverage. The agency also offers recreational vehicles, life, health, and other personal insurance. Its staff possesses over 60 years of collective experience and is bilingual, speaking both English and Spanish, assisting clients in finding the best coverage that suits their needs.

License Verified:

License: 0D34040

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 (12)
Google
5.0 / 5 (6)
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
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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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