Personal Auto Insurance in California
Independent, veteran-owned agency in Temecula writing personal auto insurance across California. An independent broker can send the same driver to a dozen carriers. A captive agent has one company's answer, and when that answer is no, the conversation is over. Call 650-489-2592 for a quote.
One Carrier's No Is Not the Market's No
Auto rating is not one formula. Carriers weigh a speeding ticket, a three-year-old at-fault accident, a gap in coverage, a teenage driver on the policy and a ZIP code differently from one another, and the spread between the highest and the lowest quote on the identical driver is routinely hundreds of dollars a year.
Always Faithful is an independent brokerage appointed with multiple carriers. We place you with the one that wants your file, instead of talking you into the only one we are allowed to sell.
What Your Auto Policy Is Actually Made Of
Liability: pays for injury and property damage you cause to others. This is the part the state requires, and the part most drivers carry too little of.
Uninsured and underinsured motorist: covers you when the driver who hit you has no insurance, or not enough of it. A significant share of drivers on California roads are uninsured, which makes this one of the most important coverages on the policy and one of the most commonly declined.
Collision and comprehensive: damage to your own vehicle. Collision for impact, comprehensive for theft, fire, vandalism, weather and animal strikes.
Medical payments: medical costs for you and your passengers regardless of fault. Rental reimbursement and roadside: a rental while your vehicle is repaired, and towing and labor when you are stuck.
Drivers Worth Calling About
New and young drivers. A ticket, an at-fault accident, or a lapse in coverage. Drivers who have already been non-renewed by their carrier. Multi-vehicle, multi-driver households. Classic and collector vehicles. SR-22 filings. None of that is automatically a decline. It changes which carrier the file goes to.
State Minimum Is a Floor, Not a Plan
California raised its minimum liability limits, and even at the new figures a single serious injury claim can exceed them in an afternoon. Once the limit is exhausted, the balance is a judgment against you personally. We will quote the minimum if that is what you need today, and also show you what the next tier up actually costs, because the gap is usually smaller than people expect.
Home and Auto Together
If you own a home, quoting both together is usually worth doing. The discount is real, but it is not automatic and it is not always with the same carrier. Being independent means we can check it both ways instead of assuming.
Licensed in 20 States
If you moved here from out of state, or you keep a vehicle at a second address, the policy may need to be written somewhere other than California. Always Faithful is licensed to place business in the following states.
California (Lic. #4476212), Arizona (Lic. #21686200), Colorado (Lic. #931002), Florida (Lic. #G308768), Georgia (Lic. #3885235), Idaho (Lic. #21686200), Illinois (Lic. #21686200), Kansas (Lic. #21686200), Nevada (Lic. #4185263 and #4185449), New Jersey (Lic. #3004117893), New York (Lic. #1963685), Oklahoma (Lic. #3004120365), Oregon (Lic. #21686200), Pennsylvania (Lic. #1302972), Tennessee (Lic. #3004115452), Texas (Lic. #3441028), Utah (Lic. #1104790), Virginia (Lic. #1572794), Washington (Lic. #1351740), Wisconsin (Lic. #21686200).
Licensed, Independent and Veteran Owned
Always Faithful Insurance Agency. California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 20 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
Get a Quote
Call 650-489-2592 or email semperfiowner@gmail.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Coverage descriptions on this page are general. Actual terms, limits and exclusions are governed by the policy issued.
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