Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Mission Viejo

Our Recommended Top 10

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 Mission Viejo 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.

65Reviewed

43Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

200 Spectrum Center Drive, Irvine, CA 92618
WebsiteLicense: 0G50621

Expertise.com Rating

Review Sources

Google
4.3 (73)
Facebook
4.3 (64)
Yelp
4.5 (8)

Why choose this provider?

COTO Insurance & Financial Services offers quality car and home insurance products and services in Mission Viejo. Serving individuals, families, and small business owners, it takes a client-focused approach when it comes to assisting clients in protecting their homes, vehicles, and other assets. A team of highly credentialed professionals with a background in wealth management also educates clients on the benefits of retirement planning. Founder Vicki Gunvalson is a member of the American Association of Long-Term Care Insurance.

  • Bundling Option

26362 Via California, Capistrano Beach, CA 92624
WebsiteLicense: 4053570

Expertise.com Rating

Why choose this provider?

Gulf Pacific Insurance Services is a Mission Viejo-based independent agency specializing in car insurance. The company offers both standard personal auto and commercial auto insurance plans that cover liabilities and risks. Its staff is committed to finding policies that fit its clients' needs and meet their budgets. The agency also offers a wide variety of other insurance services, such as business owner policies, workers' compensation, commercial package policies, and life insurance.

  • Multiple Carriers

26441 Crown Valley Parkway, Mission Viejo, CA 92691
WebsiteLicense: 0670155

Expertise.com Rating

Review Sources

Google
5.0 (60)
Yelp
4.5 (17)

Why choose this provider?

Sun Pacific Insurance Brokers is a local independent insurance agency based in Mission Viejo that provides auto insurance to its community. The agency offers personalized insurance policies that hope to protect its clients better. Its team also chooses policies that come with the right coverages, competitive rates, and responsive insurance carriers. They also have insurance options for teen drivers, motorcycles, boats, and watercraft. Established in 1983, Sun Pacific is now under the leadership of Chad Hines.

  • Multiple Carriers

629 Camino De Los Mares, San Clemente, CA 92673
WebsiteLicense: 0C79860

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (11)
Facebook
5.0 (7)

Why choose this provider?

Unity One Insurance Services Inc. is a family-owned business creating personalized auto insurance policies for Mission Viejo teenage drivers and families. The business has been providing auto insurance assistance since 1999. Its agents help clients acquire car accident insurance protection by reviewing the available policies in the market. They can also assist customers in obtaining SR-22 certifications and DUI auto insurance. The company assigns a personal agent to every customer they have to ensure attentive service.

  • Multiple Carriers

23537 Moulton Parkway, Laguna Hills, CA 92653
WebsiteLicense: 0641653

Expertise.com Rating

Review Sources

Google
3.4 (9)
Yelp
4.0 (9)
Facebook
5.0 (1)

Why choose this provider?

Laguna Pacific Insurance Services is a full-service and independent insurance and risk management firm that works with residential and commercial clients in Mission Viejo, Laguna Hills, and nearby areas. The company provides a variety of insurance products and services such as personal and commercial auto insurance, motorcycle insurance, surety bond coverage as well as driving school insurance coverage. The company has access to various lines of insurance brands and carriers such as Mercury Insurance, Hartford, Foremost, and National Insurance.

  • Motorcyle & ATV

26522 La Alameda, Mission Viejo, CA 92691
WebsiteLicense: 0E83647

Expertise.com Rating

Review Sources

Yelp
5.0 (20)
Google
5.0 (17)
Facebook
5.0 (8)

Why choose this provider?

Advantis Insurance Services is an insurance agency serving the people of Mission Viejo. Its team of insurance professionals sources a selection of quotes from various carriers to help drivers find protection plans that will support them financially in the event of an automotive emergency. Interested vehicle owners may request a quote through the company’s website for convenience. In addition to offering standard auto insurance, Advantis Insurance Services also insures other vehicles, such as motorcycles, RVs, and various watercraft.

  • Bundling Option

1005 Calle Recodo, San Clemente, CA 92673
WebsiteLicense: 0513870

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

George L. Brown Insurance Agency is a fourth-generation firm that services Mission Viejo. It offers personal and commercial auto insurance that protects owners and drivers from damages and losses related to car-related incidents. The independent agency partners with some of the nation's leading insurance carriers to find coverages that suit clients' insurance needs. Other services it offers policyholders include issuance of a certificate of insurance and assistance in claims processes. George L. Brown Insurance Agency is licensed in several other states.

  • Multiple Carriers
  • RV & Motorhome

939 Glenneyre Street, Laguna Beach, CA 92651
WebsiteLicense: 0E59771

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

GMG Insurance Agency provides auto insurance and other insurance solutions to Mission Viejo through its Orange County office. As an independent insurance agency, it helps clients find the insurance coverage that will provide the protection they need. It offers policies that meet the minimum required coverage of the state as well as other beneficial add-ons like uninsured/underinsured motorist damage coverage. Founded in 1937, GMG Insurance Agency started in Pennsylvania and is now licensed in 50 states.

  • Boats
  • Motorcyle & ATV

1001 Avenida Pico, San Clemente, CA 92673
WebsiteLicense: 0H99319

Expertise.com Rating

Review Sources

Yelp
4.5 (12)
Facebook
5.0 (2)

Why choose this provider?

Bearbower Insurance Services, LLC, provides personalized insurance services suitable for the client's needs and lifestyle. With access to multiple carriers, the family-owned agency serves the residents of Mission Viejo and the rest of Orange County. The company offers protection for cars and vehicle owners with its auto insurance solutions. In addition to automobiles, the agency provides coverage for motorcycles and watercraft equipment. Bearbower also offers commercial auto insurance for vehicles owned by business owners and rideshare companies.

  • Bundling Option

629 Camino De Los Mares, San Clemente, CA 92673
WebsiteLicense: 0C16074

Expertise.com Rating

Review Sources

Yelp
4.5 (8)

Why choose this provider?

General Insurance Services is an insurance provider in San Clemente that serves clients in Mission Viejo and the surrounding cities. The company provides auto insurance policies that cover collisions, physical damages, personal injuries, and medical payments. Policyholders are also entitled to other services such as 24-hour customer service, roadside assistance, and towing services. General Insurance Services has been operating since 1947. It has a team of expert insurance agents with over 70 years of cumulative industry experience.

  • Multiple Carriers

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.

  • How does the age of Mission Viejo drivers affect their car insurance rates?

    In Mission Viejo, drivers aged 18 to 24 pay an additional $27 compared to individuals who have reached retirement age. Generally, as drivers age, they can anticipate a reduction in their monthly premium every decade. However, once they reach retirement age, older drivers may notice their rates rise again.

  • What are the specific liability insurance coverage limits for bodily injury and property damage in Mission Viejo?

    Mission Viejo drivers are required to have at least $15,000 in bodily injury liability coverage per person, $30,000 per accident, and $5,000 for property damage. This type of coverage is commonly known as 15/30/5 coverage. It provides protection up to the specified policy limits when insured drivers are responsible for injuries or property damage while operating their vehicles.

  • What deductible should Mission Viejo motorists have on their car insurance?

    In Mission Viejo, it is typically more economically advantageous for drivers to opt for a higher deductible, as this can significantly lower their service costs. For example, increasing the deductible from $100 to $500 can result in savings of approximately 10% to 15% for motorists. If the deductible is raised from $100 to $1,000, it generally leads to drivers saving anywhere between 25% and 30%.

  • What factors should Mission Viejo drivers consider when assessing their risk tolerance for car insurance purposes?

    When Mission Viejo drivers assess their personal risk tolerance, it is important to take into account their lifestyles and the vehicles they own. Those with newer cars or residing in areas with higher risk factors may opt for increased insurance coverage. Furthermore, drivers should factor in any extra safety features installed in their vehicles, such as anti-lock brakes and airbags, which can help lower their insurance premiums.

  • What are the most common types of car insurance discounts available to Mission Viejo drivers?

    Drivers in Mission Viejo can take advantage of various car insurance discounts, including student incentives. This type of discount is awarded based on maintaining a specific grade point average. Additionally, hybrid or alternative fuel vehicle owners may qualify for special discounts. Moreover, the installation of car security features like anti-lock brakes and anti-theft systems can also lead to reduced insurance premiums for car owners.

  • 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.