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Best Local Car Insurance Agencies in San Diego

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24 Hour Insurance Services logo
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License Verified:

License: 0K80139

California Department Of Insurance

24 Hour Insurance Services

8555 Aero Drive #309, San Diego, CA 92123
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  • Multiple Carriers

Business Description

24 Hour Insurance Services helps San Diego residents protect their automobiles, commercial vehicles, and motorcycles. This insurance company works with reputable insurance carriers in the market to help clients obtain policies that fit their needs and budgets. Professional agents are available 24/7 to help policyholders make payments or adjustments to their existing insurance plans. The agency can also guide vehicle owners through the process of an SR-22 certificate that proves their compliance with the state's car insurance requirements.

License Verified:

License: 0K80139

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.
4.9
Google
4.9 / 5 (107)

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
Alcott Insurance Agency logo
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License Verified:

License: 0514686

Alcott Insurance Agency

3945 Idaho Street, San Diego, CA 92104
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  • Multiple Carriers

Business Description

Alcott Insurance Agency is a San Diego-based insurance company that serves clients within and beyond the county. Its independent insurance agents represent a wide variety of auto insurance which covers all damages incurred in accidents or events such as fire, flood, theft, or vandalism. Their auto insurance also includes liability coverage, medical payments coverage, and personal injury protection. Founded in 1958 with the values of integrity, Alcott Insurance Agency aims to connect and service the specific needs of each client.

License Verified:

License: 0514686

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 (11)
Yelp
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
American Tristar Insurance Services Inc. logo
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American Tristar Insurance Services Inc.

5945 Mission Gorge Rd Ste 6, San Diego, CA 92120
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Business Description

American Tristar Insurance Services Inc. is an independent insurance agency based in San Diego, California, that has provided insurance services to motorists in the area since 2003. The firm takes an individualized approach to tailor custom insurance coverage that meets all its clients' needs. The basic coverage options available include personal liability, medical payments, uninsured or underinsured motorist, and personal injury protection, while optional coverage includes extras such as rental reimbursement and roadside assistance. The firm also offers home, renters, and business 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
4.9 / 5 (157)
Facebook
4.9 / 5 (20)
Yelp
3.5 / 5 (8)

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
Baja Bound Mexican Insurance logo
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License Verified:

License: 0D25373

California Department Of Insurance

Baja Bound Mexican Insurance

600 B Street, San Diego, CA 92101
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Baja Bound Insurance Services offers vehicle insurance products for individuals in San Diego and surrounding areas who plan to travel to Mexico. The agency is led by Hank Morton, who is dedicated to making the insurance buying process easier for clients. Morton and his team of professionals help customers obtain coverage for potential risks to their vehicles resulting from theft, collision, and vandalism. The company's car insurance includes bilingual claims support that is available 24/7. It also provides coverage for motorcycles, camper vans, and ATVs.

License Verified:

License: 0D25373

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
4.7 / 5 (124)
Yelp
5.0 / 5 (37)

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
Beach Break Insurance Agency logo
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Beach Break Insurance Agency

1455 Frazee Road, San Diego, CA 92108
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  • Multiple Carriers

Business Description

Beach Break Insurance Agency is an independent insurance agency based in San Diego that offers a wide range of insurance options. Its insurance agents assist clients in choosing the right car insurance by presenting rate comparisons, flexible payment options, and different collision and comprehensive coverages. The agency partners with several insurance carriers that offer standard and preferred auto insurance and high-risk auto insurance. Coverage mostly includes liability, medical payments, and uninsured/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.
5.0
Google
5.0 / 5 (58)
Facebook
5.0 / 5 (7)

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
BJA Partners logo
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BJA Partners

11405 W Bernardo Ct, San Diego, CA 92127
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Business Description

BJA Partners, established in 1983, is a San Diego-based auto insurance firm that works with a vast network of insurance carriers, including Guardian and Aetna. Agents build insurance policies for motorists with automobiles, boats, and motorcycles, providing both collision and comprehensive coverage. Policies generally pay for repair costs and bodily injury liability protection. BJA Partners also handles homeowners and renters insurance. Annual reviews of insurance rates are included in all packages.

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 (7)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Every Day Insurance logo
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Every Day Insurance

3977 Normal Street, San Diego, CA 92103
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  • Multiple Carriers

Business Description

Every Day Insurance is an auto insurance company located in San Diego. Its auto insurance protects clients against a wide variety of damages and losses. The agency also offers classic car insurance for classic or antique cars that are not sufficient to be covered by regular auto insurance. Its professional staff aims to create a customer-centric environment by offering personalized insurance tailored to the specific needs of each client. In addition to auto insurance, it also offers business and earthquake 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.
4.0
Google
4.9 / 5 (96)
Yelp
4.0 / 5 (17)

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
Fusco & Orsini Insurance Services logo
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Fusco & Orsini Insurance Services

5095 Murphy Canyon Rd Ste 200, San Diego, CA 92123
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Business Description

Founded in California in 2010, Fusco & Orsini Insurance is a locally-owned independent insurance agency serving businesses and people around its location in San Diego. It offers a wide range of policies through its many carriers, including auto insurance, which it can tailor to the needs of individuals, families, or businesses. The agency's advisors take each client through the fine print and ensure their unique policy is appropriate should they need to claim for repairs, replacement, or personal liability.

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 (425)
Yelp
5.0 / 5 (104)
Facebook
5.0 / 5 (101)

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
Hotwire Insurance Services logo
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Hotwire Insurance Services

555 Broadway Ste 2018, Chula Vista, CA 91910
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Business Description

Hotwire Insurance Services is a full-service, independent insurance brokerage based in Chula Vista, California, serving the greater San Diego area. The firm can find policies to cover auto, motorcycle, boat, home, and business. The agents answer client questions and offer them advice on the best coverage options to include in their policies. Hotwire Insurance Services has an online portal and app to allow clients to manage all their insurance plans in one place, including filing claims.

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 (41)
Facebook
5.0 / 5 (17)
Yelp
4.5 / 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
Integrity Insurance Services logo
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Integrity Insurance Services

4025 Camino del Rio S Ste 300, San Diego, CA 92108
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Business Description

Integrity Insurance Services is an independent insurance agency in San Diego, California, that provides area business owners with the commercial auto insurance they need to guard against liability on the road. Its long-standing relationships with leading insurance carriers allow it to generate comparative quotes from multiple companies at once, making it easy for businesses to explore their coverage options. Integrity Insurance Services also sells other types of business insurance, including general liability and contractor's liability 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
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (10)
Yelp
4.5 / 5 (8)

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
––
Kostyo Insurance Agency logo
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Kostyo Insurance Agency

4456 Vandever Ave, San Diego, CA 92120
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Business Description

Established in 2000, Kostyo Insurance Agency specializes in obtaining budget-friendly auto insurance for high-risk drivers in the San Diego, California, metro area. Drivers requiring SR22s can get policies that include a variety of coverages such as liability, comprehensive, and property damage. Uninsured motorist coverage is also available, enabling policyholders to receive compensation when the other party is at fault and lacks insurance. Progressive, Safeco, and Travelers are a few of its 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
4.9 / 5 (32)
Yelp
5.0 / 5 (4)

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
McCormick Insurance Solutions logo
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License Verified:

License: 0D95593

McCormick Insurance Solutions

1437 Morena Boulevard, San Diego, CA 92110
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

McCormick Insurance Solutions is an insurance agency based in San Diego. It writes all lines of insurance, including auto insurance. The firm's agents determine the requirements of their clients and shop for policies from up to 40 insurance carriers that have been rated "A" by A.M. Best. They write preferred auto insurance plans for car owners that have clean records and non-standard policies for those whose records need to improve. High-risk insurance coverage is also available for drivers who have offenses or violations.

License Verified:

License: 0D95593

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 (71)
Facebook
5.0 / 5 (6)

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
Richard Turner Insurance - Mission Valley logo
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Richard Turner Insurance - Mission Valley

3443 Camino del Rio South, San Diego, CA 92108
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  • Multiple Carriers

Business Description

Richard Turner Insurance - Mission Valley has been in the insurance industry for more than 20 years. The San Diego-based insurance agency caters to the different needs of individuals and businesses, including auto insurance. This insurance coverage assists policyholders in settling the expenses for medical treatment and repair costs in case accidents occur. Some types of car insurance include collision insurance, uninsured payments coverage, liability insurance, and gap insurance. The company offers policies from multiple carriers.

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 (63)

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
Safer Insurance Agency - San Diego logo
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License Verified:

License: 0E67714

https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch?handler=Search

Safer Insurance Agency - San Diego

2150 Imperial Avenue, San Diego, CA 92102
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  • Multiple Carriers

Business Description

Since 2000, Safer Insurance Agency - San Diego focuses on providing auto insurance to clients in the San Diego area. The company helps car owners find policies from more than 50 insurance carriers. The plans it offers include coverage for liability and physical damage caused by vandalism, collision, and fire. Its agents assist clients in selecting plans that suit their needs and filing claims. They have insurance policies for personal cars as well as business vehicles.

License Verified:

License: 0E67714

https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch?handler=Search

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
Google
4.3 / 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
Snapp & Associates Insurance Services, Inc. logo
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Snapp & Associates Insurance Services, Inc.

438 Camino del Rio S Ste 112, San Diego, CA 92108
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Business Description

Snapp & Associates Insurance Services Inc. is an independent agency that sells auto insurance in the San Diego, California, metro area. Established in 1947, the company provides auto insurance to protect vehicle owners against liability as well as offering both collision and comprehensive coverage for their vehicles. Snapp & Associates Insurance Services offers a full range of both personal and insurance options, including life coverage, flood insurance, data and cyber liability protection, and health coverage options.

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.
4.6
Yelp
4.0 / 5 (11)
Facebook
5.0 / 5 (9)
Google
5.0 / 5 (6)

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
The Insurance Place logo
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The Insurance Place

2611 Denver St, San Diego, CA 92110
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Business Description

Located in San Diego, California, The Insurance Place has provided vehicle insurance solutions to thousands of clients in the area and its surroundings since 1994. The independent insurance agency has partnered with a cluster of select top insurance providers in the region to bring its clients quality, reliable auto insurance coverage. It assists clients to insure their automobiles, marine vehicles, recreational vehicles, and motorcycles and also handles home, life, and business 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.
4.5
Google
4.7 / 5 (26)
Yelp
4.0 / 5 (10)

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
The Insurance Store logo
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The Insurance Store

10981 San Diego Mission Rd Ste 220, San Diego, CA 92108
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Business Description

Founded in 1973, The Insurance Store is a family-owned and operated insurance agency in San Diego, with four offices in California and one in Glendale, Arizona. As an independent brokerage, the agency works with over 20 insurance carriers to provide motorists with comprehensive car insurance. The company specializes in coverage for commercial vehicles such as tow trucks and dump trucks. The Insurance Store also assists clients with motorcycle, boat, and recreational vehicle 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 (197)
Yelp
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
Back to Providers

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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