Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Santa Clara

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Santa Clara Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

79Reviewed

50Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1465 Park Avenue, San Jose, CA 95126
  • Multiple Carriers

Why choose this provider?

Angela Frangieh Insurance Agency Inc. represents State Farm in San Jose and the nearby Santa Clara metro. The agency is headed by Angela Frangieh, a distinguished insurance professional and a member of the State Farm Lifetime President’s Club. She and her team believe that understanding the roadblocks in life will help connect them with their clients' needs. The agency writes auto insurance policies that cover collisions, physical damages, and liabilities.

License Verified:

License: 0I36162

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 (195)
Google
4.9 / 5 (95)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3150 Almaden Expressway, San Jose, CA 95118
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Walton & Associates Insurance Services is a locally owned independent insurance agency in San Jose that services the Santa Clara metro and the entire Bay Area. The company has been providing personal, business, and life insurance products to clients since 1966. It is known for its expedient services and tailored policies that stem from carefully conducted initial insurance counseling. It writes auto insurance policies that shoulder car-related expenses caused by collisions and other damages.

License Verified:

License: 0D79626

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.
4.6
Yelp
4.5 / 5 (25)
Google
4.9 / 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

Website
300 Banner Court, Santa Clara, CA 95356
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Micheletti Alternative Insurance Solutions has been serving the Modesto area and the nearby Santa Clara metro since 1946. It is committed to delivering professional services and tailored insurance solutions designed to last. The company writes auto insurance policies that protect clients and their vehicles from car-related damages, injuries, and liabilities. The policies can be extended to cover passengers, drivers, and pedestrians, and properties in unexpected traffic accidents and other natural disasters.

License Verified:

License: 0269629

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 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
330 West Hedding Street, San Jose, CA 95110
  • Multiple Carriers

Why choose this provider?

Donald Browne Insurance Services, Inc., is an insurance management company that has been serving Santa Clara and nearby localities since 1997. The family-owned agency assists individuals, families, and businesses in obtaining adequate financial protection for their vehicles with an auto insurance policy. The independent insurance firm represents several carriers that can provide a variety of coverage options. These include comprehensive and collision, liability, medical payments, personal injury protection, and uninsured or underinsured motorist coverage. They also offer supplementary coverage for towing services, roadside assistance, and rental reimbursements.

License Verified:

License: 0M71320

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
Yelp
4.5 / 5 (7)
Facebook
5.0 / 5 (6)
Google
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

Website
17510 Farley Road West, Los Gatos, CA 95030
  • Multiple Carriers

Why choose this provider?

Don Williams & Associates is a family-owned and operated agency that has been offering insurance services for almost 50 years. Its insurance agents have in-depth knowledge of multiple insurance products, insurance carriers, and guidelines. They provide standard auto insurance and car insurance for collector cars. The team recommends including collision, comprehensive, bodily injury liability, property damage, and uninsured and underinsured motorist coverage options in the auto policy. The agency's service department accommodates changes to the current policy.

License Verified:

License: 0338880

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 (42)
Yelp
4.5 / 5 (10)
Facebook
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

Website
1123 Soquel Avenue, Santa Cruz, CA 95062
  • Boats
  • Motorcyle & ATV

Why choose this provider?

DCD Financial & Insurance Services is an insurance provider serving individual and commercial clients in Santa Cruz and the rest of California, including Santa Clara. Established in 1938, it has experienced associates who have the knowledge and connections to outfit vehicle owners with tailored solutions for auto insurance requirements that will meet their specific needs, expectations, and priorities. They cater to help cover car-related incidents. In addition to standard auto, DCD Financial & Insurance Services also offers life, business, homeowners, and health insurance.

License Verified:

License: 0757716

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 (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

Website
1816 Tully Road, San Jose, CA 95122
  • Multiple Carriers

Why choose this provider?

With over 20 years of experience, PHP Insurance Services, Inc. provides insurance products to customers in Santa Clara and the surrounding areas. The insurance agency's products may be personal like home, auto, and personal umbrella insurance, or commercial like employment practice liability, cyber liability, and workers' compensation. Its auto insurance protects car owners from unexpected financial losses by paying for damages and injuries caused by accidents, theft, fire, or falling objects. Other coverages include medical bills, funeral expenses, and fixing costs.

License Verified:

License: 0D04026

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.
4.3
Google
4.1 / 5 (42)
Facebook
5.0 / 5 (9)

Website
750 East McGlincy Lane, Campbell, CA 95008
  • Multiple Carriers

Why choose this provider?

Coverage Plus Insurance Agency provides financial protection assistance for Santa Clara residents. The company offers a wide range of products including auto insurance. It provides various coverage options such as collision coverage, liability coverage, medical payments coverage, and personal injury protection. The agents also furnish complete personal insurance programs that include both auto insurance and homeowners' insurance. They work with various insurance providers including Safeco Insurance, Travelers, Mercury Insurance, Liberty Mutual Insurance, and The Hartford.

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

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

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are you required to carry comprehensive auto insurance in Santa Clara?

    No. You are not required to have comprehensive auto insurance in Santa Clara. Comprehensive auto insurance is considered additional coverage on top of what the California DMV requires to take care of damage to your own vehicle. By law, you should only carry liability insurance covering at least $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for damage to property.

  • What is the benefit of getting collision insurance coverage in Santa Clara?

    Collision insurance is an additional kind of coverage you may purchase for your car in Santa Clara, much like comprehensive insurance. It pays for damage to your automobile in the event of an auto accident. The most basic collision coverage will take care of repairs up to the fair market value of your car. Since collision coverage usually includes an insurance deductible, you should know that the higher the deductible you are willing to pay, the less your collision coverage will cost.

  • What will happen if you cause an accident that costs over your liability limit in Santa Clara?

    If you cause a motor vehicle accident in Santa Clara and it costs more than your liability limit, the other party may sue you for the additional costs. Depending on the extent of the damage and your ability to pay the victim, there is a possibility that your savings will be drained, and you might lose your house in the process.

  • Are you allowed to get higher liability auto insurance limits than what the law requires in Santa Clara?

    Yes, in Santa Clara, you may opt to purchase higher liability limits than the California DMV requires. By increasing your limits, you also increase your protection against bodily injury and property damage claims if you are held accountable for an accident. You must keep in mind that the more assets you have, the more you could lose in a lawsuit if your liability limits won’t be able to cover the full cost of an accident you caused.

  • Does your driving record in Santa Clara affect your auto insurance rates?

    Yes, your driving record affects the rates of your auto insurance policies. One of the things that Santa Clara insurers take into consideration is your driving record. Having a good driving history is among the easiest ways to reduce your insurance rate. If you completed a defensive driving course and are considered a "safe driver," you might even be eligible for a discount.

  • 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.