Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in El Monte

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored El Monte Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

72Reviewed

46Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3206 Del Mar Avenue, Rosemead, CA 91770
WebsiteLicense: 0B03663

Expertise.com Rating

Why choose this provider?

Previously known as "Peter Ko Insurance Agency," The Master Insurance Agency, Inc., has been serving El Monte and its nearby cities since 1984. Expanding through the years, the company now has two offices in Rosemead and the City of Industry to serve clients with auto insurance. Assisting vehicle owners, the agency's products include coverage for all types of vehicles such as cars, collector autos, boats, ATVs, and motorcycles. Aside from English, The Master Insurance Agency's staff can speak to clients in Cantonese, Mandarin, and Korean.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

8935 Limonite Avenue, Riverside, CA 92509
WebsiteLicense: 0E61992

Expertise.com Rating

Why choose this provider?

Delgado's Insurance Services in Riverside provides insurance products and services to residents in the area and the nearby El Monte metro. Founded in 2002, the company seeks to create lasting, caring, and stable relationships with clients through efficient insurance coverages. It offers car insurance solutions that provide coverage for huge financial expenses caused by collisions, medical liabilities, legal liabilities, and other physical damages. It also insures other vehicles such as trucks and motorcycles.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

2335 Durfee Avenue, El Monte, CA 91732
WebsiteLicense: 0N11644

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

JE Insurance Agency is a car insurance agency based in El Monte. The company's auto insurance policies for cars and recreational vehicles cover liability, collision, and roadside assistance. It also provides coverage for personal injury protection, minor violation forgiveness, and rental reimbursement. It believes that having auto insurance is an essential financial decision. The business has servicing the community for two decades now. It also offers for health, business owners, employees, and other specific industries.

  • Bundling Option

3736 Peck Road, El Monte, CA 91731
WebsiteLicense: 0E42879

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
2.5 (5)

Why choose this provider?

Amadeus Insurance serves the El Monte Area. It specializes in car insurance policies and offers both auto registration and notary services. The agency works with more than 200 companies and has coverage options for any type of income level. It also handles various insurance products and investments for personal and commercial coverage, from medical, aircraft, international travel, one-day event, and data breach to workers' compensation. The family-owned and operated business is driven by honesty and transparency.

  • Bundling Option

4381 Peck Road, El Monte, CA 91732
WebsiteLicense: 0I43636

Expertise.com Rating

Review Sources

Google
4.9 (120)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

CGI Agency has been serving the insurance needs of clients in El Monte and neighboring areas since 1986. Its team provides insurance policies to individuals and businesses that cover life, health, and car insurance. For the auto policy, the agency handles both commercial and personal auto insurance covering property damages, bodily injuries, medical costs, and protection against non-insured motorists. CGI Agency strives to develop a mutual trust and service relationship with customers regardless of their insurance status.

  • Motorcyle & ATV

10954 Main Street, El Monte, CA 91731
WebsiteLicense: 0I01592

Expertise.com Rating

Review Sources

Google
4.3 (15)
Yelp
1.0 (1)

Why choose this provider?

Ameego Insurance Services, Inc., is an El Monte-based agency that offers auto insurance products. Its team creates personal auto policies that help pay for expenses brought by a car-related injury or damage caused by the policyholder. In addition to personal automobiles, the agents also insure classic cars and recreational vehicles. Ameego Insurance Services, which began operating in 2009, is a team of bilingual agents that speak both English and Spanish.

  • RV & Motorhome
  • Motorcyle & ATV

133 East Duarte Road, Arcadia, CA 91006
WebsiteLicense: 0643009

Expertise.com Rating

Why choose this provider?

Abernathy Insurance Agency is an independently owned and locally operated insurance brokerage serving Arcadia and the surrounding communities, including El Monte. Its team of insurance professionals helps vehicle owners secure auto insurance policies that have liability and other additional protection, such as collision and comprehensive coverage. Abernathy Insurance Agency was established in 1973 by entrepreneur David Abernathy, who used to sell insurance door-to-door. Today, the company is managed by his twin sons Mark and Brian.

  • Boats
  • Motorcyle & ATV

FAQs

  • 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 the Good Driver Discount, and how can you qualify in El Monte?

    Under California Code Title 10, Section 2632.12, all auto insurance providers in El Monte should provide discounts for good drivers. The discount will cut your insurance rate by at least 20% lower than the rate for non-good drivers. To be a good driver, you must have continuously held a driver’s license for the past three years and have, at most, only one violation point on your driving record. This is according to California Insurance Code Section 1861.025.

  • What is the benefit of getting the optional medical payments coverage (MedPay) if your car insurance policy in El Monte already has bodily injury liability and uninsured motorist coverage?

    The benefit of MedPay coverage in El Monte is that it covers medical expenses for your car accident-related injuries, regardless of fault. Additionally, it is applicable if you are a pedestrian hit by a car, and it covers your family members and other passengers. Bodily injury liability only covers the medical expenses of third parties when you are at fault. Meanwhile, uninsured motorist coverage only pays for your medical bills when another driver is at fault.

  • Can your car insurance agency in El Monte cancel your policy when you only missed one premium payment?

    According to California Auto Insurance Law Section 8.7 B, auto insurance companies are allowed to cancel a policy that has been in effect for over 60 days on the grounds of premium non-payment. The cancellation should not be a surprise. Your El Monte insurance provider is legally mandated to send you a written notice at least 10 days before the cancellation’s effective date.

  • Is it necessary to notify the El Monte DMV if you will not be driving your automobile for an extended time and wish to terminate your auto insurance policy?

    Yes. The El Monte DMV must be notified, and an Affidavit of Non-Use must be submitted before canceling your insurance. Otherwise, your car’s registration will be suspended due to a lack of insurance. If the non-use of your vehicle lasts longer than you planned and its registration is near expiration, you can replace your car’s status from ANU to planned non-operation. You may also have the option to pay renewal fees to keep the registration active.

  • How will your involvement in a car accident in El Monte affect your auto insurance premiums?

    California recognizes comparative negligence, so if you were not at fault for the El Monte collision, it should not affect your premium. However, if your fault in the accident is 51% or more, expect your premium to increase upon policy renewal. The insurance price hike for California drivers with at-fault accidents is 69%. Note that car insurance agencies are only allowed to consider accidents that occurred within the previous 36 months when pricing your insurance.

  • 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.