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    The Personal Automobile insurance policy covers:
    Liability coverage for bodily injury and property damage for which you are legally responsible, 
    Medical Payments for bodily injury caused by an accident, to you or family members that reside with you. 
    Uninsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that does not have auto liability insurance
    Auto Insurance
    Auto Insurance Coverage Explanation in 3 Minutes

    Underinsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that has automobile liability limits less that what you currently carry.
    *Coverage for damage to your automobile includes:

    Collision: Covers accidental loss to your insured vehicle due to a collision with another object (i.e. another vehicle, tree, etc.)
    Comprehensive: Covers accidental loss to your insured vehicle that is not caused by a collision (i.e. fire, theft, hail etc.)
    Towing and Labor: Covers costs for labor performed and towing your vehicle when your vehicle becomes disabled
    Rental Reimbursement: Covers costs to rent a vehicle if your insured vehicle is involved in an accident, or is stolen. Comprehensive or Collision coverage must be provided by your policy
    *Coverage for damage to your automobile is optional

    Coverage for several different vehicle types:

    Personal Passenger Autos (including vans/trucks not over 10,000 lbs)
    Classic Autos, Customized Autos, Antique Autos, Motor Homes, Recreational Trailers/Campers
    Utility Trailers, Horse Trailers

    Auto Insurance Discounts and Credits:

    We offer a number of ways to save money on your insurance. Below are some of the discounts and credits that we offer:

    Mermbers Discount Program with The Hartford Insurance
    Multi-Car discount: Applied when more than one vehicle is insured on your policy
    Company Car Discount: An insured owner of one personal automobile is eligible for this discount if a non-owned company car is provided on a full-time basis
    Deductible Credits: Higher Collision and Comprehensive deductibles will streamline your premium. There are many deductible options available, up to a maximum of $2,500
    Home and Auto Discount: A discount is applied to your policy when both your auto and home policies are written with Union Mutual Companies
    Customer Loyalty Discount: A discount is given at each policy renewal (renewal credit)
    Responsible Youthful Driver Discount: Available for eligible youthful operators between the ages of 16-21
    Good Student Credit: Available for full time students under the age of 25 that meet certain academic criteria
    Driver Education Credit: Available for eligible youthful operators who have completed a Driver Education program
    Student Away at School Credit: Eligible students must be at least 100 miles away from home without a vehicle
    Credits for vehicle safety features:

    Anti-lock braking
    Passive Restraint (Seatbelts & Airbags)

    A Guide for getting car insurance in California

    See how Chubb Covers Autos

    These days, most insurance companies' commercials talk about saving over other companies' rates. For example, State Farm Insurance advertises up to 35% discount compare to other rates. This might be true in only for a fraction of people. They target a specific zip code, and concentrate on one type of client to reach that target (Female, 50-55 years, married, housewife, pleasure usage, with multiple policies with State Farm, driving less than 3000 miles). What if you do not match that description? Well, tough luck. As a former State Farm agent, I did not buy those claims and voided my contract with them. Now I can write with dozens and dozens of insurance companies at rates that no State Farm client has ever seen.

    Why other uninsured drivers could cost you big time – even if you have auto insurance.

    Did you know that getting in a car accident with an uninsured driver could cost you a lot of money – even if you have your own auto insurance? In a recent report by ABC News, as the economy continues to worsen, more drivers are driving without car insurance, even though it’s against the law.

    Most people think this won’t affect them if they have their own insurance, but this isn’t the case. In order to be protected from uninsured drivers you need to elect for “uninsured motorist coverage” in order to be protected. Be sure to check with your auto insurance company and verify that you have this coverage. If you don’t it may be worth getting it. This could save you thousands of dollars if you’re ever hit by an uninsured driver.

    California Auto Insurance Coverage Limits

    In order to be a legal driver in California, you must show financial responsibility by buying California auto insurance. This doesn’t mean you have to have the most expensive policy you can afford. In fact, if you understand what’s required of you, you’ll learn that even California auto insurance can supply all the coverage you need.

    Your financial responsibility when buying auto insurance is simple. You can satisfy all the legal requirements by purchasing automobile liability insurance. Even California auto insurance plans cover the basics outlined by the California Department of Motor Vehicles.

    These are the minimum limits of coverage you must buy according to Section 16451 of the Vehicle Code:

    - Bodily injury liability minimum of $15,000 per person and $30,000 total for all persons per accident.

    - Property damage liability minimum of $5,000 per accident

    If you are caught driving without the minimum liability insurance in California you can be charged up to hundreds of dollars in fines for a first time offense. If you are involved in an accident – even if it’s not your fault – and you don’t have liability insurance, your license may be suspended. If you own a car you don’t use you don’t have to insure it, but you must surrender its current license plates and registration cards to the DMV.

    As you can see, the California auto insurance requirements aren’t that strict. A good insurance company can provide you all the protection you need while staying within your budget. If you need more information on the state’s requirements you can contact your local DMV office or speak to a licensed insurance agent or broker.

    California auto insurance doesn’t mean bad auto insurance coverage. Be informed – you can save money and still follow the law.

    California Offers “Good Drivers Discount” On Auto Insurance

    In the current economy, it seems that the cost of everything is rising. Grocery prices, mortgage rates, and energy costs are all skyrocketing. You’ve probably seen your automobile insurance costs continue to go up while your income stays the same. But you can’t just decide to go without coverage on your car, even if you think you can no longer afford California auto insurance.

    California recognizes that car insurance rates can be expensive for the average driver. That’s why the state has implemented the “Good Drivers Discount”, which is offered to all California drivers who meet some simple requirements.

    How do you know if you meet these requirements? It’s easy: California offers you the Good Drivers Discount if you have had a driver’s license for three or more years, have not been determined to be at fault in any fatal accident, and have no more than a one point charge on your driving record.

    You probably already deserve streamline priced car insurance. It all comes down to the fact that if you are a good driver, you can qualify for California auto insurance. And that’s a good thing, no matter how bad the economy may be.

    How California Insurance Companies Calculate Premiums

    Auto insurance premiums are partially based on three major factors: how long the driver has been licensed, the number of accidents or traffic tickets the driver has received and an estimate of how many miles driven.

    There are secondary factors that affect the premium, the most important secondary being the frequency and severity of claims in the driver’s area of the state. The amount of claims received by companies can cause the premium charged to vary widely. When shopping for California auto insurance drivers must do their homework and compare companies.

    In fact, comparison shopping is the single best way to qualify for California auto insurance. Maintaining a clean driving record decreases the premium drivers pay. Drivers can also save money by requesting larger deductibles and streamlineing the limits insurance will pay if there is an accident.

    Insurance companies can raise premiums if the driver has been given traffic tickets or been involved in accidents. Since the premiums are based on driving experience, extra surcharges will apply based on type of ticket or accident. To sum it all up, the final cost of California auto insurance premiums is in the driver’s hands.

    Know Your Auto Insurance Coverages

    If you want to take advantage of the best auto insurance in California, you need to be an informed buyer. If you don’t know the most common types of automobile insurance coverage, you may end up paying way too much for your car insurance or not buying enough to fully cover your vehicle. Become familiar with the following coverages before you purchase your policy.

    Comprehensive coverage: This type of California insurance policy provides coverage for any direct and accidental loss of or damage to your covered automobile and its normal equipment, including but not limited to fire, theft or malicious mischief. It’s also the most expensive type of auto insurance, but will cover more of the costs to repair your car in cast of an accident.

    Liability: This is the satisfactory coverage you will find under most California auto insurance plans. It will pay for bodily injury and/or property damage to the other person’s vehicle that you become legally responsible for if you have an automobile accident. It won’t pay for damage to your own car.

    Uninsured motorist bodily injury: This car insurance coverage assures that you and your passengers will be paid for bodily injury caused by an uninsured motorist who is found negligent, by a hit-and-run driver, or by a driver whose insurance company goes out of business or otherwise can’t pay out.

    There are a lot of California auto insurance policies out there, but they are not all equal. Make sure you purchase the right policy for your needs.

    What To Do After An Automobile Accident

    Everyone knows that driving on California’s highways can be risky even with the best car insurance. There’s always a chance you could be involved in a costly traffic accident, so knowing what to do if an accident happens is crucial. Follow this advice to be sure that you’ll always qualify for California auto insurance rates.

    If There Is an Accident: Immediately stop at the scene. (This sounds like common sense, but sometimes even good drivers get so upset after an accident that they feel they should run away. You don’t have to – that’s why you have car insurance!)

    Check for injuries. If anyone is hurt, call 911.

    Notify the police even if emergency service isn’t necessary. The police may not need to come to the scene, but most California car insurance policies require that you inform the police about an accident within a certain amount of time, especially if the accident is a hit and run.

    Get the names, addresses, telephone numbers, and license numbers from all drivers. Write down all the license plate numbers and vehicle identification numbers from all automobiles involved.

    Ask to see driver’s licenses and vehicle registrations to be sure that the information is accurate. Get all the names, addresses, and telephone numbers of passengers and witnesses.

    If you can, take photographs of the positions of the cars, the damage to them and the entire accident scene.

    If you can’t find the owner of a damaged car or property, write a note with your name and address and those of the drivers and owners of any other cars involved.

    Notify your agent and/or your California auto insurance company immediately.

    And don’t forget – if anyone is hurt or you think the vehicle damage exceeds $750, you must report the accident to the Department of Motor Vehicles within 10 days. If you don’t do this your driver’s license may be suspended.

    We all want California auto insurance to be available to us and to other drivers. Follow these simple rules and you’ll help keep insurance costs affordable for everyone.

    Pay As You Go Insurance Plan Proposed In California

    Drivers could be offered a new and California auto insurance in 2009 if they choose to take part in a voluntary “pay-as-you-drive” plan. Insurance Commissioner Steve Poizner has proposed regulation that would base the annual insurance rates on both on the exact number of miles driven and a “pay less if you drive less” model.

    Insurance companies have been mostly supportive of the plan, but said they needed more details of the state’s proposal. The companies agreed that the plan would provide a “more accurate way to calculate insurance premiums based on customers’ having fewer accidents and claims for property damage and medical bills.”

    It is estimated that two out of three households could see a reduction of approximately $276 per vehicle, putting California auto insurance rates within reach. The plan would also help streamline-income residents, since on average, they use their cars less than higher-income residents.

    On the other hand, drivers who log more mileage than average could find themselves paying more under the plan.

    Assemblyman Jared Huffman sponsors the proposed regulation, saying that if one third of California drivers took advantage of the plan it would be the environmental equivalent of removing 10 million cars off California roads.

    GMAC Insurance Group, which offers car insurance in California as well as other states, reported that the out-of-state drivers who track their mileage using General Motors’ OnStar system have cut the cost of their premiums by 13% to 54%.

    Currently, even California auto insurance rates are usually based on the drivers’ own estimates of how much they drive (often estimated in error), as well as their safe driving records and years they have been driving. Pay-as-you-drive insurance policies are now available in 34 U.S. states and in Canada, Japan and Europe.

    The California Guide to Automobile Insurance

    Did you know that if you buy an auto insurance policy from a California insurance broker that the broker is required by California law to give you a free pamphlet called the Consumer Guide to Automobile Insurance?

    What’s in the pamphlet? The pamphlet contains five tips to help you buy auto insurance in California.

    If your working with a California auto insurance broker, be sure to ask for the pamphlet. You can see the California Guide to Automobile Insurance here.

    Some important highlights:

    What is difference between an insurance company and an insurance broker?
    The California Guide to Automobile Insurance outlines the difference between an insurance broker and an insurance company. An insurance company is an entity that provides an actual car insurance policy. If you make a claim, the insurance company will handle it.

    An insurance broker is a third party that works with you and insurance companies. Many times insurance brokers in California try and help you find a better deal on your auto insurance by helping you get multiple quotes.

    Most automobile insurance brokers charge a fee for their service. By law, California insurance brokers are required to disclose their fees to you. If your working with a broker and you have not seen the fees associated with the service, you should ask to see them ASAP.

    Another important law on broker fees: To charge a broker fee, a broker must have you sign a broker fee agreement, and must give you a special broker fee disclosure. You should request copies of both of these documents.

    How to compare car insurance quotes in California

    Unfortunately, there is no standard cost for car insurance in California. While some insurance companies are being forced streamline rates, there is still a wide range of costs for the same plan among different insurers.

    According to the L.A. Times: “Even when you eliminate the real dogs, however, you’ll still find a huge range of prices for what is essentially the same insurance. That’s because some companies prefer not to write certain types of insurance in certain areas, and price accordingly. Insurers also know that there’s a huge inertia factor–not as many consumers shop around as they should.

    That’s why a married couple in Burbank with a good driving record might pay $2,144 a year for standard coverage from the Auto Club of Southern California, while the same policy from State Farm might cost $2,958 (these figures are from last year’s California Department of Insurance premium survey). Geico, meanwhile, was charging $4,372. All three companies have good reputations for customer service and for paying claims, but the couple who go with the Auto Club could save more than $2,000 a year.”

    With ranges like that, comparing insurance costs between California companies is a must. So how should you go about comparing?

    Compare apples to apples
    This seems quite obvious, but many people compare different plans without realizing. Make sure that your insurance coverage matches from plan to plan.

    Get at least three auto insurance quotes
    The more quotes you get, the better chance you have of finding auto insurance. Get at least three quotes. If you can get five, that’s even better.

    Don’t just look at free car insurance quotes online
    There are many sites that give instant free quotes online. But don’t base your decision off that alone. Call each of the companies to get a feel for their process, their customer service, and their call hold times. Sometimes low-cost car insurance can cost you in the long run (click to read why).

    Ask around
    Many people don’t do enough research before purchasing car insurance. One easy way to get info is to ask family, friends, and co-workers about the car insurance they use and their experience with their auto insurance companies.

    Google it!
    Before you are ready to buy, make sure to Google the company name of the insurer and see if there are a lot of complaints. Also check with the Better Business Bureau.

    Check the list
    Lastly, make sure the insurance company isn’t on the list of the worst auto insurance companies in California.

    Is there a downside to low-cost auto insurers?

    Getting auto insurance is always a good thing, right? It’s not an easy question to answer. The easy answer is of course it’s a good thing. What California driver wouldn’t want to save on car insurance?

    But is there downside?

    Think about it. If two California car insurance companies are offering you the same exact coverage, but one company’s premium is $500 more, what causes that company to raise their prices?

    It could be a number of things. Perhaps the er company doesn’t have any insurance agents in California. Maybe it’s all done over the phone. That keeps their costs down and keeps your premium streamline. But it also means that you can’t meet face to face with an insurance agent and it may mean long hold times on the phone.

    Perhaps the er car insurance company is willing to make less of each policy in hopes of getting more people to use them for their er rates. But maybe a company like this has to worry more about their bottom line since they are making less off your insurance policy. Maybe they will be more likely to fight you tooth and nail on minor claims.

    As you can see, getting car insurance in California could come with some tradeoffs. Keep that in mind when getting insurance quotes. Always make sure to shop around and compare rates from different companies in California. And don’t forget to ask friends any family about their experiences with their insurance companies.

    Personal Auto Insurance

    The Personal Automobile Policy covers:
    • Liability coverage for bodily injury and property damage for which you are legally responsible
    • Medical Payments for bodily injury caused by an accident, to you or family members that reside with you
    • Uninsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that does not have auto liability insurance
    • Underinsured Motorist Coverage will cover you in the event that you or family members that reside with you are injured or your property is damaged due to a driver that has automobile liability limits less that what you currently carry.

    *Coverage for damage to your automobile includes:

    • Collision: Covers accidental loss to your insured vehicle due to a collision with another object (i.e. another vehicle, tree, etc.)
    • Comprehensive: Covers accidental loss to your insured vehicle that is not caused by a collision (i.e. fire, theft, hail etc.)
    • Towing and Labor: Covers costs for labor performed and towing your vehicle when your vehicle becomes disabled
    • Rental Reimbursement: Covers costs to rent a vehicle if your insured vehicle is involved in an accident, or is stolen. Comprehensive or Collision coverage must be provided by your policy

    *Coverage for damage to your automobile is optional

    Coverage for several different vehicle types:

    • Personal Passenger Autos (including vans/trucks not over 10,000 lbs)
    • Classic Autos
    • Customized Autos
    • Antique Autos
    • Motor Homes
    • Recreational Trailers/Campers
    • Utility Trailers
    • Horse Trailers

    We write insurance policies through the following insurance companies in Los Angeles, Beverly Hills, Santa Monica, West Hollywood, Hollywood, Malibu, Bel Air, West Los Angeles, Westwood.:


    ACE Insurance
    AIG Insurance
    AMTRUST Insurance
    AMWINS Insurance
    ANDERSON & MURISON Insurance
    ARROWHEAD Insurance
    ATLAS Insurance
    BBSI Insurance
    BROWN & RIDING Insurance
    BURNS & WILCOX Insurance
    CBIC Insurance
    CHARITY FIRST Insurance
    CHARTIS Insurance
    CHUBB Insurance
    CNA Insurance
    CNA - WESTERN SURETY Insurance
    CNA PRO Insurance
    COMMERCE WEST Insurance
    COMPWEST Insurance
    CSE Insurance
    DEANS & HOMER Insurance
    DONGBU INS CO Insurance
    EMC Insurance
    EXPLORER Insurance
    FIDELITY & DEPOSIT Insurance
    FIREMANS FUND Insurance
    FIRST COMP Insurance
    FOREMOST AUTO Insurance
    GEOVERA Insurance
    GREAT AMERICAN Insurance
    GUARD INS CO Insurance
    HAGERTY Insurance
    HANOVER Insurance

    HARTFORD Insurance
    HCC SPECIALTY Insurance
    HCC SURETY Insurance
    ICAT MANAGERS Insurance
    ICW Insurance
    INFINITY Insurance
    INSCO DICO Insurance
    LIBERTY MUTUAL Insurance
    LIG - Leading Ins Co Insurance
    MARKEL Insurance
    MCGRAW Insurance
    MEERCURY Insurance
    METLIFE Insurance
    MEXIPASS Insurance
    MIDWEST Insurance
    MJ HALL Insurance
    NATIONWIDE Insurance
    ONE BEACON Insurance
    OLD REPUBLIC Insurance
    OREGON MUTUAL Insurance
    PHILADELPHIA Insurance
    PROGRESSIVE Insurance
    RCA INSURANCE Insurance
    RLI SURETY Insurance
    SAFECO Insurance
    STAR SURETY Insurance
    STILLWATER Insurance
    SUREPRODUCTS Insurance
    SURTEC INS CO Insurance
    TRAVELERS Insurance
    UCA Insurance
    ULICO Insurance
    UNITED FIRE Insurance
    US ASSURE Insurance
    US RISK Insurance
    VICTORIA INS Insurance
    WRIGHT FLOOD Insurance
    ZENITH Insurance



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