• 877-333-8303


Car Insurance Quote

Find the best Auto Insurance Quote in California

To get the cheapest auto insurance rate, you need to compare prices from several insurance companies. Luckily, comparing car insurance quotes has never been easier with GM Insurance Services™.

There are two ways to obtain insurance quotes:

1. Directly from an insurance company. Examples of insurance companies are AAA, GEICO, Allstate, Farmers, Progressive and more. Getting a quote from an insurance company directly will give you a single quote from the company you are calling.

2. From your local insurance agent. When requesting a quote from a local insurance agent, agency, or brokerage, like GM Insurance, you’re able to compare auto insurance rates from multiple insurance companies with a single quote request.

Comparing quotes from a direct carrier and an insurance agency will increase your chance of saving on your auto insurance. Insurance companies rate policies differently for every driver. To get the best auto insurance rates, you must compare prices from as many carriers as you can. With GM Insurance Services, we do the shopping for you!

When you request a quote with GM Insurance Services, your auto insurance price and coverage are compared with the following companies listed below.

  • Alliance United Insurance
  • Dairyland Auto Insurance
  • Bristol West Insurance – Farmers Insurance Group
  • Infinity Insurance
  • Kemper Auto Insurance
  • National General Insurance
  • Drive Insurance by Progressive
  • Safeway Insurance
  • Western General Insurance
  • Workmen’s Auto Insurance

You can request a quote online or by calling 877-333-8303 to compare your rates in California.

Information needed to get a quote.

Garaging address
Names and Date of Births for all drivers
Vehicle year, make and model

Request your auto insurance quote online or call us at 877-333-8303.

Financial consequences of driving without insurance

Auto Insurance Quote

California drivers who choose to drive without auto insurance because they want to avoid paying the annual premium fail to realize how harsh the penalties can be. Driving without insurance can result in consequences that are far more costly than a yearly insurance premium and can hinder your ability to drive legally for years. Below is a look at the financial and legal consequences of failing to carry auto insurance, along with steps to follow to ensure that you choose a reliable insurance carrier.

Penalties for driving without Insurance in California

  • Monetary Fines: First-time offenders are subject to penalties ranging from $100 to $200. The penalties increase for repeat offenders. Second-time offenders are subject to penalties in the $200 to $500 range. These fines do not include penalty assessments, which below.
  • Penalty assessment fees: Penalty assessments are fees added to the base fine. The current penalty assessment in California is $29 for every $10 of a base fine. For instance, you can end up paying $290 to $580 in addition to a $100 to $200 fine, resulting in total costs of up to $780 for first-time offenders. Repeat offenders could pay close to $2,000 by the time penalty assessment fees are applied.
  • Towing and impoundment fees: Towing fees vary according to circumstances but generally range from $100 to $1,000. Costs may increase depending on the towing company used and the location of your vehicle. You will also be required to pay any impoundment fees. If you are unable to cover the cost of these fees, your vehicle will be sold to cover them.

Legal consequences of driving without insurance

In addition to steep monetary penalties that apply to people who drive without auto insurance. There are legal consequences that can damage your driving record and your ability to operate a vehicle in the future legally. The legal implications of driving without auto insurance include the following:

  • Potential impoundment of your car: If you are involved in an accident or if you are caught driving without insurance, a law enforcement officer can impound your vehicle at your expense.
  • Suspension of your driver’s license: In general, the length of your suspension will be longer if you are a repeat offender.

How to find a trusted Auto Insurance Carrier

The key to finding a trusted insurance carrier is to evaluate available insurance carriers thoroughly. No two carriers are alike in terms of their quality of service and the format used for their auto insurance rates. Below are the steps to take before committing to a carrier.

1) Do your homework. Avoid committing to the first carrier that you encounter. Make sure that you thoroughly evaluate the provider’s reputation.

2) Always request a written quote. Review your auto insurance quote and coverage. Never commit to a carrier without a complete understanding of your policy coverage.

3) Compare apples to apples. Compare your auto insurance quotes side by side to identify the coverage difference.

4) Check the carriers financial stability. Before you finalize your decision, check the financial stability of the company at AM BEST Rating and Information Services.

Auto Insurance Companies

Selecting a dependable auto insurance carrier should be a top priority for all drivers. For assistance selecting an insurance provider who will best meet your needs and budget, please contact one of our licensed auto insurance experts at GM Insurance Services.


Request a Free Quote in 5 minutes or less

Full Coverage Car Insurance

Full coverage auto insurance is commonly referred to as policies with Physical Damage coverage. It can be misleading if you’re under the impression that you have “Full Coverage” on your auto insurance policy. We highly recommend checking your policy declaration page to know the exact coverage available to you at a time of an accident.

Most standard insurance policies referred to as Full Coverage Car Insurance by customers include:

Liability: Pays for bodily injury and property damage to others. 

Comprehensive: Pays for damage to your vehicle caused by reason other than collisions, such as fire, theft, vandalism, windstorm, or flood.

Collision: Pays for damages to your vehicle caused by physical contact with another car or with another object.

Comprehensive and Collision covers your insured vehicle with a deductible of your choice.

Deductible: It is your responsibility for the vehicle damage amount before insurance companies’ involvement. The most common deductibles are 500 or 1,000.  

If you’re shopping for full coverage car insurance quotes, please be aware of your policy coverage needs. Your full coverage insurance quote can be missing necessary coverage such as medical payments, uninsured motorist, rental, and towing.

Most Common Auto Insurance Coverage Limits in California

Coverage Minimum Basic Standard Superior
Bodily Injury 15,000/30,000 25,000/50,000 100,000/300,000 250,000/500,000
Property Damadge 5,000 25,000 50,000 100,000
Medical Payments Not Covered Not Covered 5,000 5,000
Uninsured Motorist Not Covered 25,000/50,000 100,000/300,000 250,000/500,000
Uninsured Motorist Property Damage Not Covered 3,500 3,500 3,500
Comprehensive Deductible Not Covered 1,000 500 500
Collision Deductible Not Covered 1,000 500 500
Uninsured Motorist Collision Deductible Waiver Not Covered 1,000 500 500
Rental Not Covered $30/30 $900 $40/40 $1,200 $40/40 $1,200
Towing or Roadside Assistance Not Covered $100 $100 $100

What happens when I get hit by an uninsured motorist?

If you purchased uninsured motorist coverage, your auto insurance policy would reimburse your medical as well as property damage expenses. With most insurance companies, you would need to identify the uninsured motorist by the license plate number of the other vehicle or driver information. The Uninsured/Underinsured Motorist coverage (UMBI) provides coverage for bodily injury (Medical Payments) as well as property damage for your vehicle. The bodily injury portion of this coverage is identical to liability coverage; however, the property damage portion is different, with a maximum payout of $3,500 when purchased without collision coverage. With collision coverage, you qualify for collision deductible waiver, the deductible paid out of pocket to fix your vehicle is reimbursed to you at the end of the claim.

Who has the cheapest auto insurance rates?

This question varies based on your zip code, age, driving history and type of vehicle you drive. Some sites state the top 10 cheapest auto insurance companies based on their written premium, in my humble opinion that would be the size of the company, not their rates for you as a driver. To get the cheapest auto insurance rates, you need to compare your quotes with at least six different insurance carriers.

Can I get insurance on a salvage vehicle?

Yes, you can! All Highway Patrol Approved Salvage Vehicles can be insured. Please keep in mind that not all companies accept a salvage vehicle in a policy. If your insurance company is not taking your salvage vehicle, you may contact a different insurance carrier for coverage. Feel free to Contact Us for a Free Comparison of your Salvage Vehicle Insurance or request a Fast and Easy Quote Online.

Can I get insurance with an expired or suspended driver license?

Yes, auto insurance is available for drivers with an expired or suspended driver license status.

Does my car color affect my insurance rate?

No, your car color does not change your insurance premium.