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Best Local Car Insurance Agencies in Newport Beach

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Balboa Pacific logo
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License Verified:

License: 0I96581

California Department Of Insurance

Balboa Pacific

5020 Campus Drive, Newport Beach, CA 92660
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  • Bundling Option

Business Description

Balboa Pacific is an independent auto insurance agency located in the Newport Beach area. CEO Joe Stanovich believes that insurance should not be a daunting process for customers. Additionally, the company is committed to sustaining a reputation based on word of mouth by acting as advocates for its customers, assisting them in choosing the right coverage based on their needs. It offers products from several carriers, including Liberty Mutual, Anthem, Foremost, Travelers, and Safeco.

License Verified:

License: 0I96581

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 (9)

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
Carmack Insurance logo
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License Verified:

License: 0508650

California Department Of Insurance

Carmack Insurance

4000 Westerly Place #200, Newport Beach, CA 92660
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Started in 1925, Carmack Insurance is an agency that provides for the insurance needs of Newport Beach. Some of its personal insurance coverage includes personal automobiles, homeowners, jewelry, life, and marine and yacht. Their commercial insurance, meanwhile, covers workers' compensation, food, and retail. Carmack Insurance was founded by Roy Leonard Carmack, who was a farmer before he pursued a career as an insurance agent. He opened his insurance business in Southern California 95 years ago—a storied business that is now being run by the third generation of Carmacks.

License Verified:

License: 0508650

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 (14)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
GYC Insurance Agency logo
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License Verified:

License: 0f88072

California Department Of Insurance

GYC Insurance Agency

2901 West Coast Highway, Newport Beach, CA 92663
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  • Multiple Carriers

Business Description

GYC Insurance Agency is a Newport Beach-based independent agency that offers car insurance solutions. With auto insurance, the costs of paying for property damages and medical expenses due to vehicular accidents can be covered. Additionally, auto policies can restore stolen, damaged, or lost assets and financially protect drivers if a lawsuit ensues from an accident. GYC Insurance Agency knows clients by their names and delivers personalized service that is complemented with the use of modern technology to provide efficient assistance.

License Verified:

License: 0f88072

California Department Of Insurance

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
Michael McVicker logo
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License Verified:

License: 0K98225

California Department Of Insurance

Michael McVicker

384 Forest Avenue, Laguna Beach, CA 92651
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  • Multiple Carriers

Business Description

Michael McVicker is an insurance agent for State Farm, providing different insurance products like home, property, auto, business, health, and life. Michael, who has been an Orange County resident for 20 years, offers these products locally, which includes the Newport Beach area. The agency's auto insurance can cover damages from a collision or accident, rental insurance, and comprehensive insurance to cover damages like theft, flood, fire, wind, or hail. Other coverage options include the protection of cars used by ridesharing companies.

License Verified:

License: 0K98225

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 (6)
Yelp
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
Murvay Insurance logo
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License Verified:

License: 0I32344

California Department Of Insurance

Murvay Insurance

1001 Dove Street, Newport Beach, CA 92660
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Murvay Insurance is a full-service company that caters to the insurance needs of clients in Newport Beach and the surrounding localities. The firm guides individuals and businesses in choosing the right auto insurance policy that best fits their needs and resources. Its independent insurance agents work with multiple carriers to create customized policies that can cover bodily injury liability, property damage liability, and uninsured motorists. They also offer coverage options for collisions, comprehensive damages, and loan or lease gaps. The company values creating long-lasting relationships with its clients.

License Verified:

License: 0I32344

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.
4.4
Google
4.6 / 5 (10)
Yelp
4.0 / 5 (9)
Facebook
5.0 / 5 (2)

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
Premier Associates Insurance Brokers logo
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License Verified:

License: 0H31754

California Department Of Insurance

Premier Associates Insurance Brokers

3931 Birch Street, Newport Beach, CA 92660
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Premier Associates Insurance Brokers aims to make the car insurance application process more convenient and accessible to clients through its forms available on its website 24/7. Serving individuals, families, and businesses in Newport Beach, the independent agency represents dozens of insurance carriers in order to find the perfect auto insurance coverages both for clients with ideal driving history and those with imperfect profiles. Existing clients can also make changes in their policies right online for convenience.

License Verified:

License: 0H31754

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
Google
4.8 / 5 (19)

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
Roger Stone Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0821541

California Department Of Insurance

Roger Stone Insurance Agency

5015 Birch Street, Newport Beach, CA 92660
Visit WebsiteWebsite
  • Multiple Carriers
  • Bundling Option

Business Description

Roger Stone Insurance Agency provides the insurance needs of its clients residing in the Newport Beach area and in nearby communities. Its team of agents can customize policies for auto insurance that protect drivers, their vehicles, and other parties involved in case of an accident. Coverages are also available against liabilities, collisions, medical expenses, and other financial obligations. Roger Stone Insurance provides self-help tools on its website to help clients manage their policies conveniently.

License Verified:

License: 0821541

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.
4.7
Yelp
5.0 / 5 (22)
Google
4.2 / 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
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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