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Best Local Car Insurance Agencies in Irvine

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Advantis Insurance Services logo
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Advantis Insurance Services

26522 La Alameda Ste 210, Mission Viejo, CA 92691
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Business Description

Drivers in Irvine, California can rely on Advantis Insurance Services to insure their personal and commercial vehicles, including RVs and motorcycles. The company works with insurance providers such as Travelers, Nationwide, and Progressive to create tailored insurance policies that include options such as comprehensive, collision, and medical payments coverage. Its convenient online forms allow customers to easily request insurance certificates, submit claims questions, and obtain an online quote. Advantis Insurance Services is accredited by the Better Business Bureau.

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 (17)
Facebook
5.0 / 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
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Detail
BenefitSource Insurance Services, Inc logo
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BenefitSource Insurance Services, Inc

28 Argonaut Ste 100, Aliso Viejo, CA 92656
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Business Description

Founded in 2010, BenefitSource Insurance Services Inc. is an independent insurance agency located in the Irvine, California, metro area, with offices in Aliso Viejo, Carlsbad, and Coleyville. Auto policy specialists work with over 65 carriers, such as Travelers, Nationwide, and Mercury Insurance, to find quotes that fit drivers' needs and budgets. Options include property damage and medical payments liability, and clients can add permissive user coverage when lending their vehicle, and uninsured and underinsured motorist coverage.

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

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
Blackwell Insurance Agency logo
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Blackwell Insurance Agency

23002 Lake Center Dr Ste 200, Lake Forest, CA 92630
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Business Description

Since 1960 Blackwell Insurance Agency has been serving residents of Irvine, California. It helps drivers to customize auto insurance plans that include adequate coverage for their vehicle and driving habits at rates they can afford. Policies include liability coverage, and customers can choose to purchase additional options such as comprehensive, collision, full glass, rental car insurance, and towing coverage. The company works with several national insurance carriers including Progressive and Foremost Insurance Group.

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 (304)
Facebook
4.9 / 5 (60)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Breathe Easy Insurance logo
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Breathe Easy Insurance

22932 El Toro Rd, Lake Forest, CA 92630
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Business Description

Located in Lake Forest, California, with several other locations in California and Iowa, Breathe Easy Insurance specializes in providing auto insurance, including SR-22 insurance. Per state requirements, Breathe Easy offers liability, collision and comprehensive damage insurance to motorists, including uninsured and underinsured motorists. Breathe Easy Insurance also provides insurance coverage for motorcycles, boats, RVs, homes and businesses. The company's goal is to provide clients with the most competitive insurance rates possible.

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
Yelp
4.5 / 5 (159)
Google
3.9 / 5 (63)
Facebook
4.8 / 5 (35)

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
Culver Insurance Services logo
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Culver Insurance Services

23681 Birtcher Dr, Lake Forest, CA 92630
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Business Description

Culver Insurance Services, located in Lake Forest, California, partners with a wide array of insurers to offer auto insurance to drivers across the Irvine, California, metro area. The agency ensures all policies meet the state's minimum liability requirements and advises clients on additional coverages such as uninsured motorist, property damage, and comprehensive insurance. Most of its auto policies cover cars and trucks, and motorcycles are eligible, too. Services are available in Spanish. Culver Insurance Services also offers commercial 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 (590)

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
––
David C Duncan Insurance Services logo
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David C Duncan Insurance Services

30021 Tomas Ste 300, Rancho Santa Margarita, CA 92688
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Business Description

David C. Duncan Insurance Services is an independent insurance agency based in Rancho Santa Margarita, California, serving Irvine and the surrounding areas. The auto insurance specialist can provide one-on-one services to help its clients find the right policy at the right price. Coverage can include comprehensive for vehicle damage, collision for accidents, and medical for recuperation treatment expenses. The agency represents many insurance providers and offers discounts for multi-car policies, good drivers, and combined auto-home insurance policies.

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
Facebook
4.8 / 5 (36)
Yelp
5.0 / 5 (23)
Google
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
EZ Insurance Services logo
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EZ Insurance Services

2960 Harbor Blvd Ste 4, Costa Mesa, CA 92626
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Business Description

Serving the Irvine metro area, EZ Insurance Services is an independent insurance agency based in Costa Mesa, California. The agency provides auto insurance solutions directly from its offices or online and can provide other forms of personal, health, and business protection services. Coverage it can provide through its insurance partners includes repair or replacement for vehicles involved in accidents, personal liability for injuries sustained by third parties, roadside assistance, and uninsured/underinsured driver protection.

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.
4.2
Yelp
4.0 / 5 (55)
Google
4.5 / 5 (51)

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
Heffernan Insurance Brokers logo
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Heffernan Insurance Brokers

18004 Sky Park Cir Ste 210, Irvine, CA 92614
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Business Description

Founded in 1988, Heffernan Insurance Brokers is an employee-owned independent insurance agency headquartered in Walnut Creek, California. While working with its partnering carriers, it provides exotic car owners in the Irvine metro area with policies customized to their concerns, including uninsured motorist coverage and comprehensive coverage to protect against fires, theft, and vandalism. For liability, Heffernan Insurance Brokers offers excess limits up to $100 million. The agency also writes insurance policies for art and jewelry.

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
3.0 / 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
Insource Insurance Agency logo
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Insource Insurance Agency

30011 Ivy Glenn Dr Ste 212, Laguna Niguel, CA 92677
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Business Description

Insource Insurance Agency has more than four decades of experience serving the insurance needs of residents in the Irvine, California, metro area. It offers car, truck, and motorcycle owners auto insurance policies with a breadth of coverages, including liability, property damage, and uninsured motorist. By altering limits and deductibles, the agency ensures clients have the coverage that makes them comfortable without exceeding their budget. Mercury Insurance Group, Safeco, and Travelers are just of few of the agency's partners.

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 (55)
Facebook
4.3 / 5 (11)
IronPoint Insurance Services, LLC logo
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IronPoint Insurance Services, LLC

20322 Windrow Dr # 150-A, Lake Forest, CA 92630
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Business Description

IronPoint Insurance Services LLC is an independent auto insurance agency in Lake Forest, California, that has been serving motorists in the Orange County area for over 20 years. The family-owned agency provides home and business insurance coverage as well. IronPoint works with insurance carriers that include Nationwide, Travelers, Liberty Mutual, and The Hartford. Mexico auto insurance policies from providers such as Qualitas or Mapfre can also be obtained through IronPoint 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 (6)
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
Kessler Alair Insurance Services logo
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Kessler Alair Insurance Services

4695 MacArthur Ct, Ste 1109, Newport Beach, CA 92660
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Business Description

Kessler Alair Insurance Services is an independent insurance agency based in Newport Beach, California, with other offices in Upland and Rancho Cucamonga. For over nine decades, the insurance brokerage has provided quality insurance products to motorists and homeowners tailored to meet each individual's needs. The agents at Kessler Alair Insurance Services take the time to learn about a car owner's coverage needs so that they can get them a befitting policy. The firm also offers renters, commercial, and health 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 (265)
Yelp
5.0 / 5 (85)
Facebook
4.8 / 5 (43)

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
Laguna Pacific Insurance Services logo
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Laguna Pacific Insurance Services

23537 Moulton Pkwy, Laguna Hills, CA 92653
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Business Description

Laguna Pacific Insurance Services is an independent auto insurance agency that has been selling to the residents of Irvine, California, for more than 25 years. The company maintains relationships with more than 15 insurance carriers, including The Hartford, Foremost, and Progressive, enabling them to give clients options for their coverage needs. The policies include traditional and collection vehicles, and they cover property damage and medical bills due to an accident or natural disaster.

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.
4.0
Google
3.6 / 5 (9)
Yelp
4.0 / 5 (9)
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
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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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