Expertise.com

Best Local Car Insurance Agencies in San Jose

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Local Car Insurance Agencies FAQs

Learn more
All Spectrum Insurance Brokers logo
Visit WebsiteWebsite

All Spectrum Insurance Brokers

4010 Moorpark Ave Ste 117, San Jose, CA 95117
Visit WebsiteWebsite

Business Description

All Spectrum Insurance Brokers is a privately-owned, independent insurance brokerage with offices in San Jose and Roseville, California. It partners with a range of well-known insurance carriers such as The Hartford and Progressive to protect clients against legal and medical expenses resulting from injury, property damage, and deaths caused by car accidents. All Spectrum's policies include other vehicles, such as motorcycles and golf carts. The company also provides landlord and renters 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 (54)
Google
5.0 / 5 (50)
Facebook
5.0 / 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
Amila Insurance Service logo
Visit WebsiteWebsite

Amila Insurance Service

28 N. First St. #209, San Jose, CA 95113
Visit WebsiteWebsite

Business Description

Amila Insurance Service caters to clients throughout San Jose and its neighboring communities. It provides various types of insurance products, including vehicle insurance plans. It offers coverage for automobiles, motorcycles, classic cars, motorsport and ATVs, and RVs and motorhomes. It assists clients looking to acquire protection against a variety of risks, such as legal and medical expenses for sustained vehicular injuries. As an independent insurance agency, it represents multiple carriers and helps clients compare and choose the right level of 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 (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
Aseguranza De Auto logo
Visit WebsiteWebsite

License Verified:

License: 0L33869

California Department of Insurance

Aseguranza De Auto

3114 Impala Dr. Ste B, San Jose, CA 95117
Visit WebsiteWebsite
  • Motorcyle & ATV

Business Description

The independent agency Aseguranza De Auto serves car owners in San Jose and other surrounding areas. Its agents, who specialize in providing auto insurance, inform clients about the features available to them from providers like Allstate, Safeco, and Nationwide. They compare plans to present customers with their required coverages like car liability, bodily injury, property damage, or protection against uninsured drivers. Aseguranza De Auto is also a DMV-authorized provider of services like salvage title and registration renewal. It has staff members who speak Spanish.

License Verified:

License: 0L33869

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 (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
Bayshield Insurance logo
Visit WebsiteWebsite

Bayshield Insurance

1190 S Bascom Ave Ste 140, San Jose, CA 95128
Visit WebsiteWebsite

Business Description

Bayshield Insurance is an independent auto insurance agency serving the residents of San Jose, California, that maintains relationships with more than 10 insurance carriers, including AmTrust, The Hartford, and National General. The company provides its clients with various policy and plan options chosen specifically to fit their needs. It sells collision and comprehensive insurance, as well as coverage for uninsured and underinsured motorists. Bayshield Insurance also sells home, life, and 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.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (16)
Google
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
Cowell & Smith Insurance Agency - Monterey logo
Visit WebsiteWebsite

License Verified:

License: 0676558

California Department Of Insurance

Cowell & Smith Insurance Agency - Monterey

2250 North Fremont Street, San Jose, CA 93940
Visit WebsiteWebsite
  • Multiple Carriers

Business Description

Since 1947, Cowell & Smith Insurance Agency - Monterey has been serving the needs of its clients in San Jose. It is a local family-owned and operated independent car insurance agency that is a member of the American Agents Alliance Insurance Association—a wide network of independent agencies with strong partnerships with top insurance companies. Cowell & Smith agents work with clients to find the right auto coverage at fair rates. It also offers policies for homeowners, renters, RVs, and small businesses.

License Verified:

License: 0676558

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
4.5 / 5 (57)

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
Dennis Wei logo
Visit WebsiteWebsite

License Verified:

License: 0F56141

California Department of Insurance

Dennis Wei

990 Speak Lane Suite 220, San Jose, CA 95118
Visit WebsiteWebsite
  • Bundling Option

Business Description

Dennis Wei is a State Farm agent based in San Jose who caters to the needs of new drivers, car collectors, and business travelers. He carries collision and comprehensive coverages, along with options for rentals and rideshares. Auto and home insurance bundles are also available. Other products he offers include renters', personal property, health, life, and business policies. Dennis and his team work to help individuals recover from unforeseen events, manage everyday risks, and pursue their goals.

License Verified:

License: 0F56141

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
Yelp
5.0 / 5 (4)
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
Gina Lopez logo
Visit WebsiteWebsite

License Verified:

License: 0G50062

California Department Of Insurance

Gina Lopez

8401 Church Street, Gilroy, CA 95020
Visit WebsiteWebsite
  • Multiple Carriers
  • Bundling Option

Business Description

Gina Lopez is a State Farm insurance agent serving San Jose and other locations. Her car insurance provides unique coverage such as 24/7 roadside assistance and teen driver coverage for inexperienced drivers borrowing an insured client's car. It has rental car coverage to pay for a client's rental car when their vehicle is under repair due to an accident. Gina is an Army veteran with more than 22 years of experience helping people get the right insurance coverage.

License Verified:

License: 0G50062

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 (26)
Yelp
4.5 / 5 (15)

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
Joey Hernandez Insurance Solutions logo
Visit WebsiteWebsite

Joey Hernandez Insurance Solutions

2570 N 1st St # 2, San Jose, CA 95131
Visit WebsiteWebsite

Business Description

Joey Hernandez Insurance Solutions is an insurance broker that offers auto insurance in the San Jose, California, metro area. The agency is an SR-22 for California, assisting drivers in getting their licenses reinstated. Even with multiple violations, including major violations like DUIs, suspended licenses, reckless driving, and accidents, the company can provide affordable coverage. Joey Hernandez Insurance Solutions provides a full range of insurance products, including homeowners coverage, motorcycle insurance, and insurance for tenants.

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 (24)
Facebook
5.0 / 5 (9)
Yelp
4.5 / 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
Khalsa Insurance Agency, Inc. logo
Visit WebsiteWebsite

Khalsa Insurance Agency, Inc.

3750 McKee Rd Ste A, San Jose, CA 95127
Visit WebsiteWebsite

Business Description

Khalsa Insurance Agency Inc. has been providing the residents of San Jose, California, and the surrounding area with auto insurance since 1992. As an independent company, it represents large insurance providers, including Foremost, Abram Interstate, and Alliance United, and offers auto insurance that covers clients' automobile damage and medical bills in the case of a vehicular collision or natural disaster. Khalsa Insurance Agency also provides life, homeowners, and renters 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
4.6 / 5 (125)
Facebook
4.4 / 5 (13)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Let’s Insure logo
Visit WebsiteWebsite

Let’s Insure

1900 Camden Ave Ste 204, San Jose, CA 95124
Visit WebsiteWebsite

Business Description

Founded in 2003, Let's Insure is an independent insurance agency in San Jose, California, serving clients throughout Silicon Valley. Drivers can choose an auto insurance policy with the coverages and limits that fits their needs, including liability, uninsured motorist, comprehensive, and property damage. Partnerships with carriers such as Travelers and The Hartford enable Let's Insure to write policies for truck, car, and motorcycle owners of all ages. The agency also offers travel and homeowners 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
Yelp
5.0 / 5 (43)
Facebook
4.8 / 5 (29)
Google
4.8 / 5 (18)

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
––
Ludwig & Fawcett, Inc. logo
Visit WebsiteWebsite

Ludwig & Fawcett, Inc.

100 W El Camino Real Ste 82, Mountain View, CA 94040
Visit WebsiteWebsite

Business Description

Ludwig & Fawcett Inc. in Mountain View, California, is an independent insurance agency that assists motorists seeking liability, comprehensive/collision, and other types of auto insurance in the greater San Jose area, Los Altos, Sunnyvale, Palo Alto, and San Francisco. Established in 1952, it draws on its partnerships with leading insurance companies around the country to help drivers compare rates and premiums and gives advice to help them understand their insurance 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.
4.4
Google
4.4 / 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
Oasis Insurance Agency Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0C64551

California Department of Insurance

Oasis Insurance Agency Inc.

201 Willow Street Ste 50, San Jose, CA 95110
Visit WebsiteWebsite
  • Motorcyle & ATV

Business Description

Oasis Insurance Agency Inc. caters to clients in San Jose and the surrounding localities. The company exclusively offers local car insurance plans that can provide drivers with adequate financial coverage in the event of an accident, theft, and other unfortunate events. The team offers coverage options for bodily injury liability and property damage liability. The company also provides other products such as car sticker renovations and certificates of title registrations. The group has team members who speak Spanish.

License Verified:

License: 0C64551

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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
PHP Insurance Services, Inc. logo
Visit WebsiteWebsite

PHP Insurance Services, Inc.

1818 Tully Rd Ste 162A, San Jose, CA 95122
Visit WebsiteWebsite

Business Description

PHP Insurance Services Inc. offers auto insurance services to clients in the San Jose, California, metro area. Assistance is available both to individuals and businesses needing policies for mandated and optional coverage areas. Its agents usually advise clients on advantageous agreements based on their personal needs and buying power in relation to rates offered by the providers it works with. In addition to automobiles, PHP Insurance Services Inc. also insures homes, businesses, health, and finances.

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
4.1 / 5 (43)
Facebook
4.5 / 5 (43)
Yelp
3.5 / 5 (41)
Rolando Suarez logo
Visit WebsiteWebsite

License Verified:

License: 0H30454

California Department of Insurance

Rolando Suarez

696 E Santa Clara Street, Suite 110, San Jose, CA 95112
Visit WebsiteWebsite

Business Description

Rolando Suarez operates a local State Farm Insurance office in San Jose. He offers a wide range of products, including auto insurance. He and his team furnish policies covering collisions, natural disasters, fire, and theft. Additionally, they customize beneficial add-ons like emergency roadside service, uninsured and underinsured motorist protection, and liability coverage. Whether customers own a daily vehicle, an antique automobile, or a commercial car, the company has insurance solutions. Suarez opened his first agency in 2015, a decade after joining State Farm.

License Verified:

License: 0H30454

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
4.9 / 5 (116)
Yelp
4.5 / 5 (26)
Facebook
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
SBC Insurance Services, Inc logo
Visit WebsiteWebsite

SBC Insurance Services, Inc

5150 El Camino Real Ste B31, Los Altos, CA 94022
Visit WebsiteWebsite

Business Description

Based in Los Altos, California, SBC Insurance Services Inc. has served San Jose and the surrounding areas since it was founded in 1971. The staff work with companies such as The Hartford, Progressive, Liberty Mutual, and more to find customized home, auto, and commercial plans. In addition to insuring standard cars, trucks, and SUVs, this agency also finds coverage for recreational vehicles, motorcycles, and high-end luxury or classic cars. SBC Insurance Services is a Trusted Choice independent agency.

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 (74)

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
scurichinsurance.com logo
Visit WebsiteWebsite

License Verified:

License: 0436405

California Department Of Insurance

scurichinsurance.com

783 Rio Del Mar Boulevard, Aptos, CA 95003
Visit WebsiteWebsite
  • Multiple Carriers

Business Description

Scurich Insurance Services is an independent insurance agency based in Watsonville and serving a variety of clients in San Jose and Monterey Bay area since 1924. The agency offers coverage for bodily injury and property damage for which the client is legally responsible, or caused by an accident, to clients or family members that reside with the clients and also uninsured and underinsured motorist coverage. Representing multiple carriers, Scurich Insurance also offers life, health, homeowners, and commercial insurance.

License Verified:

License: 0436405

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 (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
––
SL Insurance Associates Inc. logo
Visit WebsiteWebsite

SL Insurance Associates Inc.

275 Tennant Ave Ste 207, Morgan Hill, CA 95037
Visit WebsiteWebsite

Business Description

SL Insurance Associates Inc. is an independent insurance agency in Morgan Hill, California, that sells auto insurance and other insurance products throughout the state. Established in 1994, SL Insurance offers auto insurance with both liability and no-fault coverage. Coverage is also available for watercraft, motorcycles, classic cars, all-terrain vehicles, and recreational vehicles. SL Insurance Associates Inc. works with a variety of reputable carriers, including Allied, Chubb, Hagerty, Progressive, and Nationwide.

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 (1)
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
StarOne Valley Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0G64896

California Department of Insurance

StarOne Valley Insurance Agency

598 E. Santa Clara St. Ste 205, San Jose, CA 95112
Visit WebsiteWebsite
  • Bundling Option

Business Description

StarOne Valley Insurance Agency is an independent broker that serves individuals, families, and businesses in San Jose and the surrounding communities. Through consultation and educational approach, its agents assist clients in finding the right coverage for their insurance needs. It offers car insurance plans for those seeking protection against liability and medical expenses in case of an accident. Other insurance plans available are home, health, life, personal and excess liability umbrellas, recreational vehicle, and business insurance.

License Verified:

License: 0G64896

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 (11)
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
SURE88 Insurance Brokers LLC logo
Visit WebsiteWebsite

SURE88 Insurance Brokers LLC

1630 Oakland Rd # A205-1, San Jose, CA 95131
Visit WebsiteWebsite

Business Description

SURE88 Insurance Brokers LLC is a licensed insurance brokerage in San Jose, California, that provides auto insurance. Founded in 2011, the agency specializes in providing online service for those seeking auto insurance, including coverage for vehicles used for business, empowering customers to shop for the products that best suit their needs and pocketbooks. SURE88 Insurance Brokers offers a variety of other insurance products, including coverage for business owners, general liability, and homeowners.

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 (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
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.

Read all FAQs