Serving Sacramento & Fresno Since 1999

Protect What Matters Most —at a Price That Makes Sense.

Newer home? Professional discount? Member of Costco or AAA? As an independent agency, we shop 20+ top-rated carriers to find the best coverage at the best price — so you don't have to.

★★★★★ 4.3 / 5 · Google Reviews
Licensed & Local · CA DOI #0E11801
2,400+ Families Served
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25+ Years Serving Sacramento Independent agency since 1999
Independent Insurance Agency 20+ top-rated carriers, one local agent
Local Offices — Real People Sacramento/Citrus Heights & Fresno
Free, No-Obligation Quote Response within 1 business hour

You Probably Qualify for a Discount.
Most People Do.

Our carriers reward who you are — your profession, your memberships, and your home. Most clients qualify for at least one discount, often more.

Largest Discount Category

Professional Discounts

Licensed professionals qualify for significant discounts through our top-rated carriers.

  • Licensed Medical Professionals (Doctors, Dentists, Vets, Pharmacists)
  • Educators & Teachers
  • Law Enforcement Officers & Firefighters
  • Paramedics & EMTs
  • Engineers & Scientists
  • Financial & Insurance Professionals
Membership Discounts

Member Benefits

Your memberships can work for you — most people don't know this.

  • Costco Members
  • AAA Members
  • Sam's Club Members
  • Bank of America Employees
Also qualifies for better rates:

Homes built 2011 or newer · Bundle auto + home · Clean driving record · Multi-car households

Built for Sacramento Families.

Four reasons clients choose Stonecrest — and stay.

Built for Newer Homes

We work with carriers that specialize in newer homes. Better construction means better rates — and we know exactly which carriers to match you with.

Bundle & Save

Combine your auto and home insurance under one policy and one local agent. Simple, seamless, and significantly cheaper.

Young Driver Rates That Don't Hurt

We shop carriers to find the most competitive rates for households with teen or young adult drivers — a difference that can save hundreds per year.

A Local Agent, Not a Call Center

Real people. Local offices in Sacramento/Citrus Heights and Fresno. We pick up the phone — because we've been doing this since 1999.

What to Expect
When You Work With Us

Will switching insurance be a hassle?

Not with us. We handle everything — the quotes, the paperwork, and the transition. Most clients are set up with better coverage in less time than it takes to find their current policy documents.

I already think I have a good rate. Is it worth a call?

Most people who haven't shopped in 12+ months are overpaying — sometimes by hundreds of dollars a year. A free quote costs nothing and takes 2 minutes. If you're already getting the best rate, we'll tell you.

How long does it take to get a quote?

Most quotes take under 5 minutes by phone. We ask a few questions, shop 20+ carriers, and come back with options — not a hard sell. Submit the form and we'll call you within 1 business hour.

Can't I just do this online myself?

You can — but you'd spend hours comparing options across multiple carrier websites and still miss discounts you didn't know to ask about. We do it for you, for free, and we know which carriers work best for your situation.

Sacramento's Trusted Local
Insurance Agency Since 1999

See what our clients are saying about Stonecrest Insurance Services.

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⭐⭐⭐⭐  Rated 4.3 on Google
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