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2024

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Best Local Car Insurance Agencies in San Pedro, CA

Our Recommended Top 4

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 San Pedro 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.

52Reviewed

32Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

661 North Harbor Boulevard, Los Angeles, CA 90731
WebsiteLicense: 0M92003

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Olmos Insurance is an independent insurance agency that serves the residents of San Pedro. It assists clients in obtaining automobile insurance, including insurance for motorcycles, limousines, recreational vehicles, trucks, and boats and watercrafts. It also handles insurance for natural disasters, such as floods, earthquakes, and windstorms. Other insurance packages that it handles include homeowners insurance and renters insurance. Olmos Insurance also offers tax services and business and commercial insurance. Application forms are available at its website 24/7.

  • Multiple Carriers
  • Home Insurance

333 West 5th Street, Los Angeles, CA 90731
WebsiteLicense: 0735912

Expertise.com Rating

Review Sources

Yelp
4.5 (11)
Google
4.2 (5)
Facebook
5.0 (1)

Why choose this provider?

Arroyo Insurance Services - San Pedro is a local agency that offers car insurance policies for residents of San Pedro. Auto insurance products offered cover liability, medical payments, uninsured/underinsured motorists, collision, and towing & rental reimbursement. The agency also offers home insurance, private collection insurance, motorhome insurance, recreational vehicle insurance, and other similar products. As a testament to its quality service, Arroyo Insurance Services has been named among the top insurance agencies by LA Business Journal and Insurance Journal.

  • Home & Auto Insurance
  • Home Insurance

882 West 9th Street, Los Angeles, CA 90731
WebsiteLicense: 0G59996

Expertise.com Rating

Review Sources

Google
4.8 (46)
Yelp
5.0 (7)

Why choose this provider?

Cristian Amaya is a State Farm insurance agent based in San Pedro who opened his office in 2015. He caters to the insurance and financial needs of individuals and families in the area, offering auto insurance plans for collectors, new drivers, and business travelers. He also deals with home, life, and renters' insurance policies. Amaya's State Farm office has been recognized as a State Farm Legion of Honor, State Farm Ambassador Travel, and State Farm Senior Vice President’s Club Qualifier.

461 West 6th Street, Los Angeles, CA 90731
WebsiteLicense: 0673320

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

RGI Insurance Services is a San Pedro-based car insurance company owned by Rosalie Gonzalez. Gonzalez was a branch owner for an insurance agency until she decided to form her own firm. RGI Insurance Services represents more than 15 carriers and also offers policies for homes and small businesses. Gonzales and her team support the community through fundraisers, such as the Mission Ebenezer Family Church's Annual Toy Drive and Car Show.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Olmos Insurance
661 North Harbor Boulevard, Los Angeles, CA 90731
Arroyo Insurance Services - San Pedro
333 West 5th Street, Los Angeles, CA 90731
Cristian Amaya
882 West 9th Street, Los Angeles, CA 90731
RGI Insurance Services
461 West 6th Street, Los Angeles, CA 90731

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.

  • Who ensures insurance companies in San Pedro adhere to state guidelines and act in consumers' best interests?

    The California Department of Insurance supervises the state's expansive insurance market. This entity, under the Commissioner’s guidance, also regulates insurers in San Pedro to ensure rates are just and non-discriminatory. It also evaluates company solvency, grants licenses to agents and firms based on their conduct and proficiency, and manages complaints. For deeper insights about the department's role in San Pedro, residents can visit https://www.insurance.ca.gov/0500-about-us/.

  • In San Pedro, when might a driver consider forgoing collision insurance for their vehicle?

    In San Pedro, if a driver operates an older car with a low market value, they might opt out of collision insurance. This decision can be based on potential repair costs surpassing the car's worth. Such situations could lead to the vehicle being deemed a "total loss" by insurance companies, and the payout might not cover the full repair expenses. Consulting an insurance agent can provide clarity on individual cases.

  • What are the essential auto insurance coverage minimums set by California law for San Pedro drivers?

    San Pedro drivers, abiding by California's mandates, must hold bodily injury liability of at least $15,000 per individual and $30,000 per mishap. They're also obligated to have property damage liability of no less than $5,000, uninsured motorist bodily injury of $15,000 per individual/$30,000 per mishap, and a minimum of $3,500 for uninsured motorist property damage. It's pivotal to meet these benchmarks.

  • How does California law regulate the influence of past accidents on current insurance rates for San Pedro drivers?

    In California, insurers can't hike rates based on incidents older than 36 months. For San Pedro motorists, this means accidents over three years old won't elevate premiums. At-fault accidents weigh more on rates than non-fault ones. However, any accident can affect premiums. Thankfully, rates can decrease with a cleaner driving history over time or by avoiding accidents.

  • For San Pedro residents, how does reporting a claim influence current car insurance rates, and what role does an adjuster play?

    In San Pedro, lodging a claim doesn't immediately alter current insurance premiums. However, after the adjuster investigates, which involves interviewing involved parties and witnesses and scrutinizing reports, rates may adjust based on findings. To fully grasp potential rate impacts, connecting with a local insurance representative is recommended. The adjuster's decisions will stem from state laws relevant to the incident's

  • 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.