Auto Insurance
Liability, collision, comprehensive, and more. We compare rates from top carriers to find your best price.
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Highly Rated Independent Insurance Agency
Sacramento & Fresno's Independent Insurance Agency — Protect What Matters Most.
Stonecrest Insurance Services is an independent insurance agency serving Sacramento and the Central Valley since 1999. We shop 20+ top-rated carriers to find the best rate and coverage for auto, home, renters, and business insurance — with local agents in Citrus Heights and Fresno.
Prefer to meet face-to-face? In-person consultations available at our Citrus Heights & Fresno offices.
★★★★★
4.8 / 5 16 Google Reviews
Licensed & Local CA DOI #0E11801
2,400+ Families Protected & Counting
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No obligation. Takes 60 seconds.
What We Cover
Coverage Built for Every Stage of Life
Whether you're buying your first car, protecting your home, or planning your family's future — we find the right policy at the right price.
Homeowners Insurance
Protect your biggest investment. Dwelling, personal property, liability, and additional living expenses covered.
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Protect your belongings, liability, and living expenses starting around $15/month. Required by many California landlords.
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Wildfire Insurance
Non-renewed by your carrier? We find coverage in California's hard market — surplus lines, FAIR Plan, and more.
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From general liability to commercial auto and workers' comp — we have coverage for every type of business.
Get a QuoteUmbrella Insurance
Extra liability protection above your auto and home policies. Covers major lawsuits for pennies a day.
Get a QuoteClassic Car Insurance
Agreed value coverage for muscle cars, vintage trucks, and classic vehicles. Authorized Hagerty agent — quote in minutes.
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High-Value Home
Specialty coverage for California homes valued $1M+. PURE, Chubb, and AIG — agreed value, no depreciation.
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Bundle & Save
Combine auto and home under one agency and one local agent. Simple, seamless, and usually around 15% cheaper.
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How Much Could You Save?
Most of our clients qualify for multiple discounts. They're offered by the carriers we represent — our agents make sure every one you're eligible for is applied.
Multi-Policy Bundle
Save around 15%
Put your auto and home with the same carrier and most carriers discount both policies.
Good Driver Discount
Save at least 20%
California law requires carriers to give qualifying good drivers at least 20% off — generally three or more years licensed with a clean recent record.
Multi-Vehicle
Save up to 20%
Insure two or more vehicles on the same policy and save significantly on each.
Loyalty Discount
Save up to 10%
Many carriers reward customers who stay with them three or more years, applied at renewal.
New Home Discount
Save up to 18%
Homes built or substantially renovated within the last 10 years qualify for reduced rates.
Military & First Responder
Save up to 12%
Several of our carriers offer discounts for active duty military, veterans, police and firefighters.
Find out which discounts you qualify for — no obligation.
Discounts are offered by the insurance carriers we represent. Availability and amounts vary by carrier and eligibility.
Check My DiscountsTwo Local Offices
Real People in Sacramento and Fresno
Call either office and you're talking to a licensed agent in your part of California — not a call center in another state.
Greater Sacramento
Citrus Heights Office
8350 Auburn Blvd., Suite 145Citrus Heights, CA 95610 (916) 576-4000
Mon–Fri, 8:00 am – 5:00 pm · Sat by appointment
Led by Kevin Messall
Citrus Heights & Sacramento insurance →
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Central Valley
Fresno Office
4922 E Yale Ave, Suite #8Fresno, CA 93727 (559) 490-0574
Mon–Fri, 8:00 am – 5:00 pm · Sat by appointment
Led by Patti Clem
Fresno & Central Valley insurance →
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Testimonials
What Our Neighbors Are Saying
★★★★★
"Kevin Messall has been our property and car insurance agent for more than 10 years. He is always on top of anything I have ever asked for and has stellar communication skills. I have referred my dad and now am referring my sister to him. I can trust him to always look out for our best interest on pricing, addressing any concerns, and making sure we have the best rates possible. He is the best! 20/10"
★★★★★
"We have Stone Crest insurance for many years now. They are very professional and at the same time manage to treat us as family. I use them because it’s like a one stop shop. If I have any questions or concerns Kevin Messall is always available to assist me. I have gone out of state and needed copies of my insurance cards on a weekend and Kevin was able to email me what I needed. I can go on and on I think you get the picture. In today’s world it’s hard to find a company that actually cares about their clients."
★★★★★
"Awesome brokerage that has helped me continue maintaining the best most affordable rates and coverage for my insurance. Kevin is a huge help and I really appreciate everyone in the office."
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Ready to See How Much You Could Save?
- Compare quotes from 20+ top-rated carriers instantly
- Local California agents — real people, real answers
- Rated 4.8 on Google by our clients
- Same-day coverage for qualifying clients
- In-person consultations available by appointment — Citrus Heights & Fresno
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