Real carrier recommendations from independent insurance agents who have placed hard-to-place personal auto, exotic cars, and specialty vehicles in California.
These carriers are most frequently recommended by agents for placing hard-to-place personal auto, exotic cars, and specialty vehicles in California.
Real conversations from agents about placing hard-to-place personal auto, exotic cars, and specialty vehicles in California.
Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm client was at fault party. State Farm deemed my insured's vehicle a total loss. Insured paid $442.00 at time of loss to have vehicle towed. Now State Farm is stating...
Comment View more answers Paul Fulmer Top contributor reasonable towing costs are typically considered part of the loss. “But for” the accident, your insured wouldn’t have incurred that expense. I’d...
View 1 reply Darryl Stidham All-star contributor Kaleigha Moore Fitch what say you?
Where can we insure an International 3800 (school bus) that has no rear seats? It is customized and used for pleasure only. The client wants auto liability only. Bristol and Kemper write commercial non-business policies, but not for buses. California All reactions:
View more answers Cristian Monteagudo Rising contributor I think biberk stopped writing that product so if you’re locked in, it’s hard to beat the rates. At least in FL, not sure about CA
View 1 reply Curtis Rock Top contributor Have you tried any MGAs like AmWins or CRC?
Answer as Justin Alfonso Velasquez posted to Insurance Soup™ Top contributor What trucking carriers in Texas would take a tractor that is 26 years old and a reefer that is 12 years old? So far, I...
All-star contributor Fellow Soupers, I need some advice. I'm in CA. I have a Travelers appointment through Smart Choice that is being terminated (just the personal lines portion) along with I'm told hundreds of other agents. I have about $100K in auto/home and some umbrellas. I don't have...
View more comments Marisol Villalvazo Top contributor Mercury is appointing
View all 2 replies Ryan Dunsdon Top contributor You should be lucky its now. Alot of agents including myself went through this several years ago. That's odd, cause SamrtChoice is a large aggregator...
View all 8 replies Comment as Justin Insurance Soup™ Rob Winter All-star contributor Can anyone tell me more about Root auto insurance? Non-standard only? Rates? etc. All reactions:
CA- PERSONALUMBRELLA MARKETS, client currently with personalumbrella.com but they now require 500/500/100 underlying auto limits, and he doesn't want to change his auto company. Any other Preferred markets you can suggest? I've tried G.A.s, Hudson IInsurance etc but they are very expensive. thanks
View more comments Stacey Joseph Milhorn They are waiting until the heat dies down and then will quietly pass it. We have to keep fighting against it.
Suzanne Jones McMillan replied Comment as Justin Insurance Soup™ Daniel Bucklew All-star contributor Cincinnati Insurance... How long does a customer have to pay before they get cancelled for...
Comment View more comments Chad Sherrer All-star contributor That doesn’t make sense. How can they sign the original application 15 months later? Everything would have timed out. No one can backdate...
I have a client who moved to CA but needs an SR-22 non-owners in Virginia to remove the suspension on her license so she can transfer it to CA. Anyone willing to help her out? She's a Spanish speaker.
If you have Progressive, you can write her a policy in CA and file the SR22 for VA. Other companies may do it as well.
I can help your client with the SR-22. I speak Spanish DM
She can do it through Dairyland by calling them they have spanish speakers and she wouldn't have to go through a broker.
Who do you recommend for hard to place Auto in CA? Client declined from all of the main carriers. TIA
CA: I had a customer leave me a message complaining that the 15 mile limit on towing with Progressive isn't enough to even get them into town. Fair enough. What is your experience with other carriers, i.e what is the usual limit?
Commercial Auto California who are you placing commercial auto with, needs mcp65. Courier general freight. Please and thank you All reactions:
Edit: The insured misspoke. The rejection email stated they need hired only. They already have scheduled and non-owned. RT Specialty has a monoline HNOA I'm going to check into. Commercial auto California. I have a fleet of 11 vehicles for a pest control company. The vehicles are pickups with...
Question for CA State Farm agents. I'm a Farmers agent and a customer of mine also has an auto policy with State Farm. He's insisting that State Farm will cover a vehicle for an additional 15 days after it's been removed from the policy to give him time to sell the car. I haven't heard of any...
Fellow Soupers, I need some advice. I'm in CA. I have a Travelers appointment through Smart Choice that is being terminated (just the personal lines portion) along with I'm told hundreds of other agents. I have about $100K in auto/home and some umbrellas. I don't have another standard carrier...
We have an insured with a 1987 VW Van, he has made it into a 'motorhome' - he wants Replacement Cost, he has an apprasial. Progressive & Foremost will only do ACV, Hagerty wants it to be kept in a garage. Any other carrier ideas? We are in CA. Thanks!! All reactions:
Any recommendation for a classic car company for a client with 3 comp claims in the bast 3 years. Hagerty, JC Taylor and Grundy said no. In CA
CA Here. Anyone here specialize in non-standard auto? I have a business client that has a 19 year old that needs insurance on his own car and Progressive at $3555 for 6 months is the only thing I can come up with. I was thinking Bristol West might be better and one of you might have them? All...
Based on agent discussions, carriers frequently mentioned for hard-to-place personal auto, exotic cars, and specialty vehicles in California include Progressive, Foremost, State Farm, Cincinnati, Hartford. Availability varies by specific risk details.
Many agents report difficulty placing hard-to-place personal auto, exotic cars, and specialty vehicles in California. Our database contains 14 discussions specifically about this niche in California, reflecting the ongoing challenges agents face finding willing carriers.
Independent agents in California recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 14 agent discussions below for specific carrier recommendations.
Answer as Justin Jen Frazier posted to Insurance Soup™ Top contributor Question for State Farm - Ohio Our commercial auto client was in an accident with a State Farm client on 12/02/25. State Farm...