Auto Insurance

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  • Kemper

How to get the right amount
of auto insurance

How Much Auto Insurance

Protect Your Car

Collision covers your car for fender-benders and the like. If your car's stolen or a tree falls on it — well, that's what comprehensive's for.

Protect Passengers

Protect Your Passengers

In some states, medical coverage helps pay for medical expenses if you or a passenger gets hurt in an accident. In others, personal injury protection coverage can do the same plus cover work-loss wages ... and then some.

Auto Insurance Savings

Protect Your Wallet

Liability coverage is required in nearly every state and helps pay for damages you're responsible for. We're talking injuries to other drivers or if, say, you run over a neighbor's lawn gnome. Cue sigh of relief.


Learn Ways to Save on Auto Insurance

Compare auto insurance

Auto Insurance Savings!

Sound easy? It can be. When you shop and compare insurance, you save. Not sure? Well, it's true. You can compare auto insurance online and test our hypothesis. Fun!

Usage-Based Insurance

Rating your auto insurance on how you actually drive is the latest innovation in auto insurance. Many insurance companies now have usage based insurance discounts. Drive safe. Save money. It totally makes sense.

Bundle home & Auto

Buying more than one policy from the same insurer is called bundling. When you bundle your home and auto insurance with a single insurance company, you could save 15% or more. Not too shabby.


We make auto insurance super easy

Online Auto Insurance

Log in to your policy

Get policy status, request copies of your documents, print ID cards ... it's the whole paperless thing. Find your ID cards and take care of biz online. Now you're the boss.

Get the mobile app

Make your policy mobile. Do most of you can do online, but also have a direct communication link with your agent. Just a few taps on your smartphone.

Compare car insurance quotes online

We created ComparisonQuote.com so consumers can easily compare the rates of our excellent insurance carrier partners online, secure, fast, and always free.

Easy car insurance quotes
and so much more

Go ahead! Get your quote to see how simple and painless car insurance can really be.

Or call 877-334-7646 to speak with a
super helpful agent.

Got questions about auto insurance?
Look no further.

Where can I find the cheapest car insurance?

Shopping online is a great way to find affordable car insurance. However, you should figure out which coverages you want beforehand. Then make sure each quote includes the same coverages and limits. This'll give you a better apples to apples comparison.

You could lower insurance costs by reducing your coverage limits and increasing your deductibles. However, that typically means you pay more out of pocket or have less protection.

Also, if you auto insurance policy only satisfies the state's minimum liability requirements. Your car insurance may be on the cheap side. But it wouldn't account for collision damage to your car and may not have enough liability protection when you need it.

In other words, "cheap" doesn't always mean good insurance.

How much does auto insurance cost?

Truth is, car insurance varies.

Auto insurers mull over many factors to calculate your premium. Things that are considered, your car's year, make, and model. Where you live. Your driving record. Your insurance history, insurance-based credit score, and more.

When is the best time to buy car insurance?

The truth is, there isn't a "best time" of year to buy auto insurance. This is a common myth. With think, like the 16th century adage goes, "There's no time like the present."

What factors affect my car insurance rate?

Car insurance companies use a number of different things when rating your policy. Here are a few of the biggies:

  • Driving record. If you don't have accidents and tickets on your record, you pay less for car insurance. Simply put, the safer you drive the more you could save.
  • Where you live. Rates vary state to state and zip-code to zip-code. So if you live in a densely-packed city with lots of traffic, then you might pay more than if you lived in the burbs.
  • Age. With age comes wisdom, so older drivers tend to pay less for insurance than younger drivers.
  • Marriage status. Married or partnered? Depending on your state, married couples may  see lower premiums than their single friends. Why? According to math, folks who've tied the knot are less likely to crash.
  • Gender. Accidents, speeding, DUI convictions … women get less of them. Which's why, in some states, they tend to pay less for insurance.

Location Address

Physical Address:
20322 Windrow, Suite 150-A
Lake Forest, CA 92630

Mailing Address:
PO Box 62436
Irvine, CA 92620

(714) 955-4132 - Local
(877) 344-7646 - Sales & Service
(760) 238-7116 - Agency Affiliation
(888) 316-4832 - Fax

Copyright IronPoint Insurance Services, LLC | California License No. 0G87821 | PO Box 62436, Irvine, CA 92602 | 877.334.7646

IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.