Real Oakland auto coverage — without a call center between you and a claim.
Personal auto, SR-22, rideshare, and commercial vehicle policies built by a licensed Oakland broker who shops the market every renewal.
Personal auto, SR-22, rideshare, and commercial vehicle policies.
California auto rates have climbed faster than wages for three years running. Most Oakland drivers we re-quote are paying for outdated coverage at carriers that have stopped competing on price.
We re-shop the market against your current declarations page and either confirm you're priced fairly or move you to a better carrier. Either way you'll know.
The headaches that bring people in.
Your premium jumped at renewal — again.
California carriers have raised rates 20–40% since 2022. We find the ones still competitive in your ZIP.
You need SR-22 filing fast.
We file SR-22 the same day you call so you can get back on the road legally.
You drive for Uber, Lyft, or DoorDash.
Personal auto policies exclude rideshare. We write proper rideshare endorsements and gap coverage.
Your business uses vehicles personally.
Personal use of company vehicles (and vice versa) creates ugly coverage gaps. We sort it out.
Talk to an Oakland auto / car insurance broker today.
A licensed advisor will compare carriers and walk you through your options — typically in under 15 minutes by phone.
How we solve it.
CCAO Insurance Agency quotes auto across Progressive, Mercury, Allstate, Travelers, Bristol West, Foremost, Kemper, Infinity, Stillwater, and more — including specialty markets for high-risk, SR-22, and commercial drivers.
Every quote includes a coverage check: liability limits, uninsured/underinsured motorist (critical in California), comprehensive deductibles, and rental reimbursement.
- ✦Oakland and East Bay personal auto drivers
- ✦Rideshare and delivery drivers (Uber, Lyft, DoorDash, Instacart)
- ✦Drivers needing SR-22 or non-standard coverage
- ✦Small business owners with commercial vehicles
- ✦Multi-car households bundling with renters or home insurance
What you actually get.
California-appropriate UM/UIM.
An estimated 1 in 6 California drivers is uninsured. We make sure your UM/UIM limits actually protect you.
Same-day SR-22.
DMV filings handled immediately, no waiting.
Multi-policy savings.
Bundle auto with renters, home, or business insurance — most clients save 10–25%.
Local claims support.
We help you open the claim and follow it through to repair. You won't be alone.
From first call to covered.
Send a photo of your current dec page — we do the rest.
We quote 3–5 carriers at matching coverage levels.
We coordinate the cancellation of your old policy so there's no lapse.
We re-shop you every renewal to catch carrier rate hikes early.
We write auto insurance for drivers across Fruitvale, San Antonio, Eastlake, Jack London Square, Temescal, Rockridge, Lake Merritt, West Oakland, Dimond District, and the greater Bay Area including Alameda, Berkeley, Emeryville, San Leandro, and Hayward. ZIP code, garaging address, and commute patterns all matter — and we know how Oakland and East Bay carriers price each.
Oakland averages run higher than most California cities — typically $1,800–$2,800/year for full coverage on a single vehicle, depending on driving record, vehicle, and ZIP code. We routinely save new clients $400–$1,200/year by re-shopping.
Often paired with Auto / Car Insurance.
Get your auto / car insurance quote today.
A licensed Oakland broker will walk you through every option — by phone, in-office, or over Zoom. Most quotes take under 15 minutes.