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 12 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.
Get a QuoteRenters Insurance
Protect your belongings, liability, and living expenses starting around $15/month. Required by many California landlords.
Get a QuoteCA Crisis
Wildfire Insurance
Non-renewed by your carrier? We find coverage in California's hard market — surplus lines, FAIR Plan, and more.
Get a QuoteBusiness Insurance
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.
Get a QuoteSpecialty
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 policy and one local agent. Simple, seamless, and up to 25% cheaper.
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How Much Could You Save?
Most of our clients qualify for multiple discounts. Our agents stack every saving available to get you the lowest rate possible.
Multi-Policy Bundle
Save up to 25%
Combine your auto and home policies with us and watch both premiums drop.
Good Driver Discount
Save up to 15%
Three or more years with a clean driving record? You deserve a better rate.
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%
Been with us for 3+ years? Your loyalty is rewarded every 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%
Active duty, veterans, police, and firefighters receive exclusive discounts as our thank-you.
Find out which discounts you qualify for — no obligation.
Check My DiscountsTestimonials
What Our Neighbors Are Saying
★★★★★
"Switched from my old carrier and saved $680/year on my auto and home bundle. The agent walked me through every option and made the whole process effortless. I wish I had called sooner."
★★★★★
"Best insurance experience I've ever had. They found me coverage I didn't even know I was missing — umbrella policy, jewelry rider, the works. Incredibly knowledgeable team."
★★★★★
"Filed a claim after a fender bender and it was handled within 48 hours, start to finish. I was blown away by the responsiveness. Won't ever go anywhere else."
Free · No Obligation · 60 Seconds
Ready to See How Much You Could Save?
- Compare quotes from 20+ top-rated carriers instantly
- Local California agents — real people, real answers
- Average client saves $680/year after switching
- Coverage in place same day — no waiting
- In-person consultations available by appointment — Citrus Heights & Fresno
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