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We offer a range of auto insurance policies for individuals, families, & businesses

Auto Insurance Agency in Huntington Beach, CA.

Best known for its year-round sunshine, long-standing surf tradition, world-class shopping, and, of course, the happiest place on Earth, Orange County is arguably one of the most iconic counties in the Golden State. What it’s also famous for? Traffic. And lots of it.

Clocking in at 948 square miles, there’s a lot of ground to cover in OC. From the 405 to the 55 to the 91 to the 57, OC drivers can easily spend an upwards of two hours commuting to and from work every day. 

Pair that with the 2.1 million plus licensed drivers in the county sharing the congested freeways and roads, and it’s easy to see why fender benders and fatal traffic collisions are on the rise. While you may be a safe and responsible driver, sometimes life just happens. That’s why we’re here to provide you with the best auto insurance coverage to ensure the people and things that matter most to you are protected at all times.

Quality coverage at an affordable rate:

Good Driver Discount = 20%
Good Student Discount = up to 10%
teenSMART | ADEPT Driver = 15%
Teachers, Engineers, and IT Professionals = Discounts vary

Important California Car Insurance Variables.

Prior to Proposition 103, car insurance in California was at an all-time high (in fact, Californians were spending 36% more on auto insurance than the national average!). As soon as this 1988 reform law came into play, however, insurance companies were required to file their rates and receive approval from the California Department of Insurance, eliminating excessive premiums once and for all.

DRIVING RECORD
By keeping a clean driving record –– no accidents, no speeding tickets, no moving violations (or going to traffic school to defer the infraction) –– Californians can greatly reduce the cost of their auto insurance.

ANNUAL MILEAGE
Prop 103 regards mileage as a decisive factor when it comes to overall premium rating. The more time spent behind the wheel each year, the greater chances a driver has of getting into an accident.

DRIVING EXPERIENCE
California doesn’t use age to determine eligibility for a good driver discount, rather the length of time a driver has been licensed. Statistically speaking, the more experience a driver has behind the wheel, the less likely he or she is to get into an accident and submit a claim.

Are you an Uber or Lyft driver? Find out how you can add a rideshare endorsement to your personal auto insurance policy for as little as $6 per month.

Click here for a personalized, free quote!

What are the Minimum Car Insurance Requirements for California?

Just as traffic laws vary state by state, minimum coverage for auto insurance varies greatly, too. In California, auto insurance is a mandatory requirement, with drivers required to carry the following coverages:

BODILY INJURY LIABILITY = $15,000 PER PERSON / $30,000 PER ACCIDENT
Helps pay for medical expenses and lost wages for other persons involved in an accident for which you’re found to be at fault.

PROPERTY DAMAGE LIABILITY = $5,000
Helps to cover damage caused to other vehicles, structures like homes and storefronts, and / or stationary objects (e.g. mailboxes, fences, etc.) in an accident for which you are found to be at fault.

Important Car Insurance Coverages for California

While every California driver is legally required to carry the state minimum car insurance coverages, ask yourself this: would they be enough to cover serious injuries and / or replace a newer car in the event of an accident?

The chances are slim.

As of 2019, the average cost of a new car is over $34,000, and the average cost of an ambulance ride is $2,000. Combine that with the increased cost of medical expenses and lost income as a result of accident-related injuries, you’re talking a steep out-of-pocket expense.

It’s also worth noting that bodily injury liability and property damage liability only cover damages to the other persons involved in the accident. What if your car was totaled in an accident? Or, even worse, your loved ones were severely injured? Would you be able to incur such considerable expenses without financial difficulty?

There are many limits available that we can customize to suit your individual needs, some of which include:

Collision – covers damage to your vehicle whether the accident is determined to be your fault or not.

Comprehensive – helps to repair your vehicle when damaged as the result of an event other than collision, such as: theft, fire, vandalism, natural disasters, falling objects, or damage done by animals.

Medical Expenses – can help cover your or your family’s doctor visits, X-rays, EMT & ambulance fees, surgery, and more as the result of an auto accident.

Uninsured / Underinsured Motorist – can help cover the cost of your medical and / or property damage bills in the event the other driver does not carry insurance or does not carry adequate limits.

Classic Car Insurance Coverage for California

Have a classic car? We have a partnership with Hagerty that allows us to offer the following coverage for your vehicle:  

  • Agreed value policy guarantees you will be paid every cent of your car’s insured value in the event of a covered total loss
  • Significantly lower annual premiums than standard insurers
  • Specialized coverage (e.g., spare parts, medical reimbursement)
  • Flexible usage

Contact one of our insurance agents to receive a free quote.

Get a free car insurance quote from SoCal Insurance! Auto Insurance at affordable rates. #1 In Orange County, CA

Auto Insurance

Customized coverage that allows you to hit the road with confidence.

Commercial & Business Insurance Solutions Orange County, CA

Business Insurance

Affordable coverage for business and commercial properties.

Be protected from life's uncertainties. Choose SoCal Life Insurance and cover your most valuable asset: you!

Life Insurance

Protect your family and safeguard your future. Find insurance to fit your needs.

Ride for hire Insurance Coverage Options

Rideshare Insurance

Uber or Lyft driver? We can help fill the gaps in your coverage.

Homeowners Insurance Protect Your Home and Possessions at an Affordable Price. See How Much You Can Save Today! Cover Your Property, Belongings & More.

Homeowners Insurance

Financial coverage for damage caused by certain risks or perils.

Protects the things your HOA’s master policy does not include. H0-6 Insurance Affordable Options.

Condo Insurance

Protects the things your HOA’s master policy does not include.

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Kari Eisenacher – Agency Owner

 

As the agency owner of SoCal Insurance & Financial Services, I take pride in assisting Huntington Beach residents in choosing the proper insurance protection to best fit their individual needs. If you are not a resident of Huntington Beach, that’s okay too. As a native Californian, and one who has spent 38 years in the insurance industry, I am very knowledgeable of the California insurance market, and look forward to assisting you as well. Nothing brings me more joy than knowing I have helped someone successfully protect their family, assets and financial future (although, USC football is a very close second #FightOn).

I am fortunate to have a team of three licensed professionals with over 25 years of combined knowledge. These individuals are dedicated to assisting clients in making informed and strategic insurance decisions while at the same time providing an
exceptional customer experience.

Being part of my community and building local relationships is very important to me. I am a proud member of the Huntington Beach Chamber of Commerce serving as one of their ambassadors. Our agency also supports the Allstate Foundation in their quest to end domestic violence through educational resources that aim to assist individuals and/or their families.

When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today, I look forward to assisting you.

 

 

 

Tony Le – Insurance Agent

 

I recently joined the team in 2022, and I am excited to take care of our customers, treating them like my own family, and making them happy. I enjoy going to the gym daily and staying healthy. I like to help others on this same journey to improve their health and enjoy life to the fullest. In my free time, l also enjoy playing video games, Most people call me Tony The Tiger. I look forward to assisting you. Give me a call today!

 

 

 

 

Becky Duarte – Insurance Agent

 

I have been working in the insurance industry for over 15 years. I am passionate in what I do, and love helping those to better understand what insurance really is. Coming from a Hispanic community, I believe the language barrier is a big reason why many do not understand what they are purchasing.

When I am not at work, I spend my days with my son and daughter. If we are not at the field watching my son play baseball, we enjoy going to amusement parks. And, when I have free time, I enjoy crafting. If you would like to learn more about insurance, give me a call today.

Jason Gloria – Insurance Agent

 

I have been with Allstate for 12 years and enjoy educating clients about insurance and offering the best solutions for their individual needs. When I am not in the office, I love spending time with my wife and two children. I am a big fan of staying active. If I am not involved in a friendly game of tennis, then the family enjoys visiting theme parks. I would love to assist with your insurance needs, call me today.

 

 

 

Kari Eisenacher – Agency Owner

 

As the agency owner of SoCal Insurance & Financial Services, I take pride in assisting Huntington Beach residents in choosing the proper insurance protection to best fit their individual needs. If you are not a resident of Huntington Beach, that’s okay too. As a native Californian, and one who has spent 38 years in the insurance industry, I am very knowledgeable of the California insurance market, and look forward to assisting you as well. Nothing brings me more joy than knowing I have helped someone successfully protect their family, assets and financial future (although, USC football is a very close second #FightOn).

I am fortunate to have a team of three licensed professionals with over 25 years of combined knowledge. These individuals are dedicated to assisting clients in making informed and strategic insurance decisions while at the same time providing an
exceptional customer experience.

Being part of my community and building local relationships is very important to me. I am a proud member of the Huntington Beach Chamber of Commerce serving as one of their ambassadors. Our agency also supports the Allstate Foundation in their quest to end domestic violence through educational resources that aim to assist individuals and/or their families.

When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call me today, I look forward to assisting you.