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Best Local Car Insurance Agencies in San Francisco

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Broad Spectrum Insurance Services logo
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Broad Spectrum Insurance Services

1000 Brannan St Ste 203, San Francisco, CA 94103
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Business Description

Broad Spectrum Insurance Services is an auto insurance agency serving the residents of San Francisco, California. As an independent company, it works in collaboration with large insurance carriers, such as Liberty Mutual, Nationwide, and Markel Insurance Company, allowing it to offer its clients customized policies and plans designed to fit their unique needs. These plans can insure traditional and vintage vehicles, and cover damage to the car and hospital expenses for the drivers and passengers as a result of an accident or natural disaster. Broad Spectrum Insurance Services also sells business 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
Yelp
5.0 / 5 (78)
Google
5.0 / 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
Coastal Pacific Insurance Marketing LLC logo
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Coastal Pacific Insurance Marketing LLC

77 Mark Dr Ste 24, San Rafael, CA 94903
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Business Description

Since 1976, Coastal Pacific Insurance Marketing LLC has provided automobile insurance and other types of coverage to clients. Located in San Rafael, California, and serving the San Francisco Bay Area, the company focuses on finding the right insurance options based on needs. There are different choices of auto coverage available from the companies associated with the agency. Clients can purchase collision, comprehensive, liability, medical payments, and other insurance, as well as personal injury protection. Coastal Pacific Insurance Marketing LLC offers additional personal and business coverage options, including homeowners, renters, commercial property, and workers compensation 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

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
Express Service Insurance logo
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Express Service Insurance

2085 Van Ness Ave, San Francisco, CA 94109
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Business Description

Express Service Insurance is an independent insurance firm based in San Francisco, California, offering insurance solutions to clients throughout the state. The agency connects auto insurance buyers with reliable, affordable policies from insurance carriers such as Allied Nationwide, Progressive, and Travelers Insurance. It represents insurance providers with a proven track record of consistent positive performance. Coverage is available for automobiles, boats, recreational vehicles, and motorcycles, and the firm also offers home, renters, flood, and earthquake insurance. Clients can rely on the firm's agents for reliable advice on the best coverage options to include in their 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.
4.6
Yelp
4.5 / 5 (74)
Google
5.0 / 5 (27)

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
Jake Stewart logo
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License Verified:

License: 0I53589

California Department Of Insurance

Jake Stewart

821 Folsom Street, San Francisco, CA 94107
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  • Home & Auto Insurance
  • Home Insurance

Business Description

Jake Stewart offers car insurance coverage to clients in San Francisco and nearby areas. He works with State Farm Insurance to help clients find the right policy for their auto insurance needs. Jake is a University of California graduate, and he continues his family's legacy as a third-generation State Farm insurance agent. He opened his agency in 2006 and has since received high recognition from State Farm and the insurance industry. Jake also offers life, business, and fire insurance.

License Verified:

License: 0I53589

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.
4.5
Google
4.9 / 5 (368)
Yelp
4.5 / 5 (41)

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
John A. Morton Insurance Agency logo
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License Verified:

License: 0541557

California Department of Insurance

John A. Morton Insurance Agency

3366 22nd Street, San Francisco, CA 94110
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  • Multiple Carriers

Business Description

John A. Morton Insurance Agency offers personal and business indemnity solutions in San Francisco. It caters to clients who need protection for their cars and trucks by helping them find suitable options, like SR-22 or SR-1P from various providers. Its agents also assist customers in shopping for home, health, life, and umbrella plans. In addition, they provide general liability and workers' compensation insurance alternatives. The agency, which has been in the business since 1983, has staff members who speak Spanish.

License Verified:

License: 0541557

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 (78)

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
––
Limitless Insurance Solutions logo
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Limitless Insurance Solutions

840 Hinckley Rd Ste 201, Burlingame, CA 94010
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Business Description

Located in Burlingame, California, Limitless Insurance Solutions is a full service insurance agency offering property and casualty insurance brokerage to clients throughout the San Francisco region and the surrounding neighborhoods. As an independent insurance agency, the firm represents many auto insurance carriers, giving motorists and other vehicle owners the chance to browse through a variety of coverage policies to find the one that fits their specific needs. Additionally, the firm assists clients in filing claims, and it follows through with the insurance provider to ensure that the policyholders get fair, prompt payment of their coverage benefits.

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 (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
Paperless Insurance Services, Inc logo
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Paperless Insurance Services, Inc

625 46th Ave, San Francisco, CA 94121
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Business Description

Active since 2005, Paperless Insurance Services Inc. is a San Francisco, California-based agency serving business clients throughout the metro area as they pursue and purchase auto insurance policies, and it supports them when they make claims or inquire into standing policies. Many of its clients seek to insure entire fleets of vehicles or utility automobiles, which may contain valuable equipment. Motor truck cargo policies are another focus area of the firm, and are commonly bundled with other commercial auto protections. Aside from auto services, Paperless Insurance Services Inc. also insures commercial property and buildings.

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
Yelp
5.0 / 5 (6)
Google
5.0 / 5 (4)
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
Riskguard Insurance Solutions logo
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Riskguard Insurance Solutions

422 Presidio Ave, San Francisco, CA 94115
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Business Description

Riskguard Insurance Solutions in San Francisco, California, provides professional expertise and advice for drivers in the local area looking for auto insurance. This independently owned and operated insurance agency has remote sales offices located in South and East Bay areas. Its network of preferred lines carrier allows the agency to make needed recommendations for drivers after reviewing rates, coverage, deductibles, and other factors with its client. Policy types range from standard liability insurance for bodily injury and property damage with additional collision, comprehensive, and medical payments endorsement available. It also offers home and renter 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
4.5 / 5 (34)
Google
4.6 / 5 (18)
Facebook
5.0 / 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
Select Insurance Group logo
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Select Insurance Group

555 California St, San Francisco, CA 94104
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Business Description

Licensed in more than 45 states, Select Insurance Group specializes in finding coverage for drivers considered to be too risky to insure by most underwriters, including those in the San Francisco metro area. The company has independent agents in offices nationwide who are knowledgeable about their state's SR22 laws and have experience working with state diversion programs, obtaining hardship licenses, and getting ignition interlock discounts. By using electronic verification of driver and vehicle information, Select Insurance Group ensures all quotes are properly rated to help clients quickly locate the best policy that fits their budget while also satisfying their coverage needs.

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.
3.8
Facebook
3.8 / 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
Wang Insurance logo
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Wang Insurance

2620 Judah St, San Francisco, CA 94122
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Business Description

Founded in 1979, Wang Insurance is a family-owned and operated agency active throughout the San Francisco, California, metro area helping clients to purchase auto insurance policies that cover cost of damage to vehicles and provision for medial coverage should accidents lead to serious injuries. Beyond the minimum required by law, agents at Wang Insurance are familiar with a multitude of special insurance coverage, such as gap insurance which covers the entire cost of totalled cars, especially those leased by clients. This company works with many insurance carriers including Progressive Insurance and Liberty Mutual.

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
4.5 / 5 (45)
Facebook
5.0 / 5 (19)
Google
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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