Independent, veteran-owned agency in Temecula writing personal auto across California, including the drivers other agencies turn away.
California · New drivers, tickets, lapses and non-renewals welcome
Fill out the form for this coverage and email it back. That is all we need to start your quote.
Every driver and permit holder in the household, every vehicle, tickets and claims, and the coverage you want.
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Need several coverages at once? Use our full insurance request form, or see all insurance forms. Questions? Call 650-489-2592.
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.
Covers you when the driver who hit you has no insurance or not enough of it. In California a significant share of drivers on the road are uninsured, which makes this one of the most important coverages on the policy and one of the most commonly declined.
Damage to your own vehicle. Collision for impact, comprehensive for theft, fire, vandalism, weather and animal strikes.
Medical costs for you and your passengers regardless of fault.
A rental while your vehicle is being repaired, and towing and labor when you are stuck.
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. We will also show you what the next tier up actually costs, because the gap is usually smaller than people expect.
New drivers and young drivers. Drivers with a ticket, an at-fault accident or a lapse in coverage. Drivers who have been non-renewed. Multi-vehicle and multi-driver households. Classic and collector vehicles.
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. We check both ways.
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.
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.
Liability: pays for injury and property damage you cause to others.
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.
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.
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.
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.
Being independent means we can check it both ways instead of assuming.
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), Michigan (NPN #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).
Always Faithful Insurance Agency. California Property and Casualty Broker License #4476212. National Producer Number 21686200. Licensed in 21 states. Owned and operated by a United States Marine Corps veteran. California Disabled Veteran Business Enterprise #2045250.
Call 650-489-2592 or email support@semperfiservicesolutions.com. Temecula, California. Monday to Saturday, 8AM to 5PM.
Coverage descriptions on this page are general.
Home · Homeowners · Commercial Auto · Contractors · Bonds
Since January 1, 2025, California requires at least $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 for property damage (30/60/15). The state minimum rarely covers a serious accident, so most drivers we work with carry higher limits.
Carriers generally expect every licensed driver in the household to be listed on the policy or formally excluded. Permit holders are handled differently from carrier to carrier, so list every driver and permit holder on our Personal Auto Application and we will place them correctly.
Yes. Carriers weigh tickets, at-fault accidents and gaps in coverage very differently, which is why we quote the same driver with multiple companies instead of one.
California insurers must offer uninsured and underinsured motorist coverage, and you can only decline it in writing. Because so many California drivers are uninsured, we recommend keeping it.
Driver's license numbers for every driver, the VIN for each vehicle and your current declarations page. Everything else is on the Personal Auto Application, or call 650-489-2592.