Affordable Auto Insurance for Every Driver — Including High-Risk
Whether you have a perfect record or a complicated history, General Insurance Services finds you the coverage you need at a price you can afford. We’ve been serving California drivers for over 15 years.
Auto Insurance for All Drivers
Finding affordable auto insurance shouldn’t be hard — but for many California drivers it is. If you’ve had a DUI, accidents, tickets, a lapse in coverage, or a license suspension, most big insurance companies will either deny you or charge you extremely high rates.
That’s where we come in.
General Insurance Services is an independent insurance agency specializing in high-risk auto insurance. We work with multiple carriers to find you real coverage at a real price — no matter your driving history.
Who We Help
We specialize in finding coverage for drivers who have been turned away or overcharged elsewhere, including:
- Drivers with a DUI or DWI conviction
- Drivers with multiple accidents or traffic violations
- Drivers with a suspended or revoked license
- Drivers who need an SR-22 filing
- Drivers with no prior insurance history
- First-time drivers and new California residents
- Drivers with an international license
- Drivers with poor credit history
- Uninsured motorist coverage seekers
- Commercial and delivery drivers
Coverage Options We Offer
We shop multiple carriers to build the right policy for your situation:
Liability Coverage
Covers damage and injuries you cause to others in an accident. Required by California law.
Collision Coverage
Covers damage to your own vehicle from a collision, regardless of who is at fault.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, fire, flood, and weather events.
Uninsured / Underinsured Motorist Coverage
Protects you if you’re hit by a driver who has no insurance or not enough insurance.
Medical Payments Coverage
Covers medical expenses for you and your passengers after an accident.
Non-Owner Auto Insurance
Coverage for drivers who don’t own a vehicle but need to drive legally or maintain an SR-22.
SR-22 Filing
We file your SR-22 certificate directly with the California DMV, usually the same day.
Why Choose General Insurance Services?
- ✅ Independent agency — we compare multiple carriers to get you the best rate
- ✅ High-risk auto insurance specialists with 15+ years of experience
- ✅ Same-day SR-22 filing available
- ✅ Bilingual staff — English and Spanish
- ✅ Walk-ins welcome at our Gardena location
- ✅ We also handle DMV services, registration, and paperwork
- ✅ Serving all of California
How It Works
Step 1 — Contact Us
Call, walk in, or fill out our online form. We’ll gather some basic information about you and your vehicle.
Step 2 — We Shop Multiple Carriers
As an independent agency, we’re not locked into one company. We compare rates across multiple insurance carriers to find you the best deal.
Step 3 — You Choose Your Coverage
We walk you through your options clearly so you understand exactly what you’re getting and what you’re paying for.
Step 4 — Get Covered Immediately
Once you choose your policy, we activate your coverage and provide your proof of insurance right away. If you need an SR-22, we file it the same day.
Frequently Asked Questions
What is the minimum auto insurance required in California?
California requires all drivers to carry at minimum:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability per accident
We can help you meet these minimums and recommend additional coverage based on your situation.
I have a DUI — can I still get insured?
Yes. We specialize in high-risk drivers including those with DUI convictions. We will find you a carrier that accepts your situation and file your SR-22 if required.
How can I lower my auto insurance premium?
Some ways to reduce your rate include maintaining continuous coverage, taking a defensive driving course, choosing a higher deductible, and keeping a clean driving record going forward. We’ll advise you on every available discount.
Do you offer monthly payment plans?
Yes. We work with carriers that offer flexible monthly payment options so you’re not required to pay the full premium upfront.
Can I get insured the same day?
In most cases, yes. We can activate your policy and provide proof of insurance the same day you contact us.
Do you insure commercial vehicles?
Yes. We can provide coverage for commercial vehicles, delivery drivers, and small business fleets. Contact us for a custom quote.
Service Areas
We provide auto insurance to drivers across all of California, with deep roots in the greater Los Angeles area including Gardena, Torrance, Lomita, Lawndale, Hawthorne, Harbor City, Carson, Los Angeles, Inglewood, Culver City, Compton, Lynwood, Long Beach, Huntington Park, Redondo Beach, Palos Verdes, Riverside, Anaheim, Moreno Valley, Corona, Santa Ana, San Diego, and Santa Barbara.
Let’s Find You the Right Coverage Today
Don’t overpay or go uninsured. Our team shops the market for you and gets you covered fast — even if you’ve been turned down before.
Address: 1084 W. Rosecrans Ave, Gardena, CA 90247
Hours: Hours: Monday–Friday 10:30 am–6:30 Pm | Saturday 11 am to 3pm | Walk-ins Welcome
