Auto insurance
Auto insurance that fits real drivers.
Full coverage, liability, SR-22, foreign-license and high-risk drivers welcome. We compare multiple carriers for competitive options — same-day coverage may be available. Мы говорим по-русски.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Why drivers choose a broker
Captive agents (GEICO, State Farm) can only sell you their one policy. As an independent broker we compare multiple carriers in one call and place the cases other agencies decline — DUI history, lapses, foreign licenses, new drivers — usually at a better rate. One conversation, every option on the table, and ID cards the moment you bind.
What it covers
Liability
Bodily injury and property damage you cause — the state-required minimum to drive legally.
Full coverage
Adds collision and comprehensive so your own car is protected from accidents, theft, fire and weather.
SR-22 filing
We file proof of insurance with the DMV the same day after a DUI, lapse or suspension.
Uninsured motorist
Protects you when the at-fault driver has no insurance — common in California.
Non-owner & foreign-license
Coverage if you drive but don’t own, or hold an international/foreign license.
How much it costs
Your auto premium depends on your car, ZIP code, age, driving record and the coverage you choose — full coverage costs more than basic liability, and high-risk profiles (DUI, lapse, foreign license) cost more than clean ones. As an independent broker we compare multiple carriers — including high-risk specialists — and shop the available carrier options for your exact situation. Bundling renters or a second car often lowers the total. Call for a free, no-obligation quote on your real numbers.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Every driver in California must carry at least the state-minimum liability (30/60/15). If you finance or lease, your lender requires full coverage. If you’ve had a DUI, a license suspension or a coverage lapse, the DMV may require an SR-22 filing before you can drive again — we handle the policy and the filing together, same day.
How it works
Tell us about you
About 2 minutes to start online or by phone, in English or Russian.
We shop multiple carriers
We compare available carrier options and find a carrier that can consider your case.
Same-day coverage, where available
When you’re ready, same-day coverage may be available, with ID cards sent as soon as you bind.
See how the pieces fit
Compare the same driving picture
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
How you drive
Personal trips, commuting, delivery and app-based work belong in the conversation.
- 02
What you choose
Put the proposed limits, deductibles and optional coverages side by side.
- 03
What you pay
Compare the full policy term, installment fees and deductible you would pay after a covered loss.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- How the vehicle is used and who drives it
- Current coverage and your desired start date
- Questions about limits, deductibles or an SR-22
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much is car insurance in California?
It depends on your car, ZIP, age, driving record and the coverage you choose — full coverage costs more than basic liability, and high-risk profiles cost more than clean ones. Rather than quote a one-size price, we compare multiple carriers and shop the available options for your exact situation. Call (310) 299-5555 for a free quote on your real numbers.
Can you insure high-risk or foreign-license drivers?
Yes — that is our specialty. We work with carriers built for DUI history, lapses, new-to-US and foreign-license drivers.
Do you offer SR-22?
Yes — we file with the DMV the same day. See our dedicated SR-22 page for details.
What’s the difference between liability and full coverage?
Liability covers damage you cause to others (the legal minimum). Full coverage adds collision and comprehensive to protect your own vehicle.
Can I get covered today?
Often yes — same-day coverage may be available, with ID cards sent as soon as you bind.
Will bundling lower my rate?
Usually. Adding renters or home, or insuring multiple vehicles, typically earns a multi-policy discount.
Do you speak Russian and Spanish?
Yes — our agents serve clients in English, Russian and Spanish.
I let my insurance lapse — can you still help?
Yes. Lapses raise rates but we work with carriers that accept them and still compare available carrier options for you.