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2024

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Best Local Car Insurance Agencies in Escondido, CA

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 Escondido 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.

92Reviewed

58Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

655 North Escondido Boulevard, Escondido, CA 92025
WebsiteLicense: 0640290

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

DA Insurance Brokers, which is based in Escondido, offers a range of risk management solutions such as auto insurance. It may include comprehensive coverage which reimburses losses from hazards that do not involve other vehicles, including theft and fire. Additional coverages like personal injury protection, roadside assistance, and rental reimbursement may also be included. In addition to auto insurance, the agency also offers home, health, and life insurance. DA Insurance Brokers carries over four decades of experience in the field.

  • Bundling Option

500 La Terraza Boulevard, Escondido, CA 92025
WebsiteLicense: 0L13142

Expertise.com Rating

Review Sources

Google
5.0 (154)
Facebook
5.0 (21)
Yelp
5.0 (1)

Why choose this provider?

HJM Insurance Services, Inc. is an insurance brokerage finding auto insurance policies that suit the needs of Escondido clients. The business was established in 1998 by Matt Speed, who has 18 years of insurance experience. Clients undergo a needs-based test to identify the type of insurance coverage they need to obtain. Its agents also provide car insurance rate comparisons to customers to help them make financial decisions. Speed is a former personal and commercial lines underwriter.

  • Multiple Carriers

235 West Washington Avenue, Escondido, CA 92025
WebsiteLicense: 0G29325

Expertise.com Rating

Review Sources

Yelp
4.5 (13)

Why choose this provider?

Hotwire Insurance Services is an independent agency that provides auto insurance policies to drivers in Escondido. The agency assists clients in determining the best types of coverage according to their needs, which may include bodily injury, property damage, collision, comprehensive, and uninsured motorist coverage. It also has an online portal where clients can manage their policies and file claims in one place. Hotwire Insurance Services also insures commercial auto, motorcycles, boats.

  • Bundling Option

410 West Felicita Avenue, Escondido, CA 92025
WebsiteLicense: 0N14003

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
5.0 (2)

Why choose this provider?

Dulce's Insurance Agency is an independent insurance agency in Escondido that provides insurance products and vehicle registration services in the metro and nearby towns. The company writes auto, home, income tax services, including its comprehensive auto insurance policies for personal and commercial vehicles. Dulce's Insurance Agency has been operating for over 20 years. It is a licensed DMV agent that can handle vehicle registrations, transfers, and renewals—thus making car ownership and insurance more convenient for clients.

  • Bundling Option

16456 Bernardo Center Drive, San Diego, CA 92128
WebsiteLicense: 0E32714

Expertise.com Rating

Review Sources

Yelp
4.5 (16)
Google
5.0 (2)

Why choose this provider?

Kevin Paulson Insurance Agency, Inc., is an insurance management firm that has been serving the Escondido metro area and nearby communities for more than 30 years. The company assists individuals and businesses in protecting themselves and their vehicles against potential risks through an auto insurance policy. Its agents provide customized insurance policies for private vehicles, classic cars, and small commercial autos. They also offer insurance options for motorcycles, recreational vehicles, boats, and jet skis. Past clients have praised the firm's agents for their friendliness, credibility, and professionalism.

  • Multiple Carriers

120 W Grand Ave Ste 101, Escondido, CA 92025
WebsiteLicense: 0E24580

Expertise.com Rating

Review Sources

Google
4.0 (1)

Why choose this provider?

Bartjan Vargas is a State Farm insurance agent servicing the Escondido community. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages. The agency also offers banking and investment services for clients. Vargas and his team are committed to guiding each client through the risks from unexpected circumstances in everyday life. Services are available in English and Spanish.

225 West Valley Parkway, Escondido, CA 92025
WebsiteLicense: 0E24620

Expertise.com Rating

Review Sources

Google
4.6 (20)
Yelp
4.5 (7)
Facebook
5.0 (6)

Why choose this provider?

20/20 Insurance Services is an Escondido-based company that provides insurance products in its locality. The insurance agency offers auto insurance that can include accident, liability, full, property damage, collision, and uninsured and underinsured motorist coverages. It also has commercial auto, RV, and boat insurance plans. In addition, the company caters to clients that need homeowners', business, life, and commercial insurance policies. 20/20 Insurance Services is committed to satisfying its clients' insurance needs.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
DA Insurance Brokers-Escondido
655 North Escondido Boulevard, Escondido, CA 92025
HJM Insurance Services, Inc. - Escondido
500 La Terraza Boulevard, Escondido, CA 92025
Hotwire Insurance Services
235 West Washington Avenue, Escondido, CA 92025
Dulce´s Insurance Agency
410 West Felicita Avenue, Escondido, CA 92025
Kevin Paulson Insurance Agency, Inc.
16456 Bernardo Center Drive, San Diego, CA 92128
Bartjan Vargas
120 W Grand Ave Ste 101, Escondido, CA 92025
20/20 Insurance Services
225 West Valley Parkway, Escondido, CA 92025

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 kinds of accidents or damage are not covered by collision coverage for a car in Escondido?

    In Escondido, hail, theft, and vandalism are examples of non-driving-related vehicle damage that is not covered by collision policy; these are instead covered by comprehensive coverage. Collision coverage does not apply to third-party injuries or vehicle damage since liability protection will take care of these costs. Furthermore, since crashes involving animals fall under comprehensive coverage, collision coverage won't cover them.

  • Will your Escondido car dealer handle the paperwork of your auto insurance?

    Your automobile dealer's staff in Escondido is not obligated to handle the paperwork related to your auto insurance. Keep in mind that the lienholder will need you to have car insurance if you are financing or leasing a vehicle. If your new automobile requires comprehensive and collision coverage but you only have liability coverage, you should add the necessary coverages because they are not applied automatically.

  • Will my Escondido auto insurance rates increase if you hit a pole?

    After crashing a pole, there's a potential that your Escondido auto insurance premiums will rise. This is particularly true if the repairs are expensive and you've also received a ticket for a moving infraction, like speeding or driving while intoxicated. These rate rises, though, typically don't last forever. The Insurance Information Institute states that pricing changes following an accident vary by insurer but typically affect your rate for three years following a claim.

  • Should you file an auto insurance claim in Escondido after a single automobile accident?

    It will make sense to submit a car insurance claim to your Escondido insurer if the damage to your automobile is serious or exceeds the amount of your deductible. It might not be worthwhile to file a claim if the damage is minor and the repairs won't cost more than your car insurance deductible. Keep in mind that an insurance claim could result in a future rate increase because many single-car collisions are determined to be the driver's fault.

  • 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.