DOI License #0K77310 · Licensed CA broker since 2013 · Serving CA, TX, IL, AZ, NV, NC, WA EN RU

Auto insurance that fits real drivers.

Full coverage, liability, SR-22, foreign-license and high-risk drivers welcome. We compare 40+ carriers for competitive options — same-day coverage may be available. Мы говорим по-русски.

Office hours Mon–Fri 10am–4pm PT — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up.

Same-day coverage High-risk & foreign-license OK We never sell your info
🏆 5.0 ★ Yelp 🤝 40+ carriers ⚡ Same-day coverage 🇷🇺 Russian-speaking
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Tell us a little about you and we’ll compare available options from 40+ carriers. No obligation.

Prefer to talk? Call or text (310) 299-5555 — мы говорим по-русски.

CoverToday Insurance Agency — a DBA of Univision Insurance Services LLC · CA License #0K77310

Why CoverToday

Why drivers choose a broker

Captive agents (GEICO, State Farm) can only sell you their one policy. As an independent broker we compare 40+ 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.

Coverage

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.

Pricing

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 40+ 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.

Requirements

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.

Simple process

How it works

1

Tell us about you

2 minutes online or by phone, in English or Russian.

2

We shop 40+ carriers

We compare available carrier options and find a carrier that will take your case.

3

Same-day coverage

When you’re ready, same-day coverage may be available, with ID cards sent as soon as you bind.

FAQ

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 40+ 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.

Browse all FAQs

Related coverage
Rideshare / Uber / TCPSR-22 filingCommercial trucking

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Russian-speaking · English. No pressure, no spam — just competitive options from 40+ carriers.

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