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Type of Insurance

Serving Arizona, California, North Carolina, Texas

Don’t just settle for the minimum coverage. As an independent auto insurance broker, Hotwire Insurance is uniquely equipped to find you a cheap auto insurance without compromising your protection.

All across America, roads are crowded with cars, trucks, SUVs and other vehicles on a daily basis. With so many people using the same stretches of road at high speeds, the chances of collision, weather-related accidents or other hazards befalling drivers is substantial. These incidents can be expensive for authorities to handle, so it should come as no surprise that most states require drivers to carry some form of auto insurance.

Navigating the maze of options and types of coverage can be daunting. Our mission is to get you cheap auto insurance and the protection you need.




Save average $800 per year as little as $14 a month no broker fees.

Enjoy the drive. Hotwire Insurance gets you cheap auto insurance.

Unpleasant and costly things can happen to a car, its driver and passengers and to other people. Rather than let you worry about how you will be able to pay if your car is stolen, or if someone gets injured, we help determine the best type(s) of coverage for your needs and we provide you with cheap auto insurance.

Auto Insurance Broker
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What coverage is right for you?

  • Bodily Injury: covers medical and rehabilitation expenses and funeral costs, lawyers’ fees and non-monetary losses related to pain and suffering.
  • Property Damage: covers repair or replacement of other people’s car and property
  • Uninsured Motorist: covers bodily injury related expenses in case an inadequately insured motorist is responsible.
  • Collision: covers repairs or replacement of your vehicle.
  • Comprehensive: covers expenses if your car or its content is stolen, or if your vehicle is damaged by fire, water or other perils.

We don’t sell auto insurance, we sell financial protection.

San Diego & Chula Vista favorite auto insurance broker.

Questions To Ask Your Agent

Your Independent Agent is an advocate for finding cheap auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company’s level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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