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California Star Insurance Service Inc.
2236 S Broadway Ste K
Santa Maria, CA 93454-7800
Phone: 805-266-7971
Toll Free: 888- 501-1213
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Santa Maria, California Car Insurance

Insurance Solutions Online Car Insurance Quote

Welcome to California Star Insurance Service, your local provider of a wide variety of insurance products for over 50 years. We pride ourselves on our vast knowledge of all types of auto, homeowners, renters, and motorcycle insurance. No matter what you’re looking for, you can be sure that California Star Insurance Service has the right coverage for you.

As an independent insurance agent, we can look at many companies to make sure you are getting the proper coverage for your situation at the best price.

  • Personal and commercial auto insurance
  • Permit and high risk drivers allowed
  • Recreational vehicle (RV), camper, travel trailer, 5th wheel insurance
  • Classic and collector autos as well as watercraft insurance
  • We work with several insurance companies, including Mercury, Foremost, Kemper, Farmers and Legacy.

From new permit drivers to experienced motorists, we can offer competitive rates without the agency fees, finance charges and hidden costs charged by others. You will also be supporting a local business that can offer face-to-face personal service as well as the latest online options.

Since we offer many different insurance products from our Santa Maria office, we can bundle your insurance products to save you even more money.

Coverage options:

Collision and comprehensive (other than collision) coverages

Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.

  • Collision coverage insures you against damage to your vehicle caused during an accident.
  • Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage

Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage

Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection

Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage

This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage

Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?

Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.