Auto Insurance

Auto Insurance


We offer affordable car insurance for San Diego drivers. Our Insurance Brokers have been helping drivers get the coverage they need at reasonable rates since 1974.

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Drive under the law and be sure that if you get in an accident, you’ll be covered. 

What is Auto Insurance?

See how much you could save on your car insurance.  Discover all the coverage options for autos, motorcycles, recreational vehicles, and more.

  • Car insurance can cover bodily injuries, property damage, and liability.
  • Your driving record and the amount of mileage you drive can affect your rates.
  • Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can cost less to insure.
  • If you are in the market for a new car, we can help you compare expected insurance premiums. 

Some common discounts include safe driver, good student, multiple vehicles, multiple policies, auto debit, and paying your entire premium in advance.

Your deductible will also likely influence your premium total.  The deductible is the amount you agree to pay, before the benefits of your policy kick in.  Speak with a friendly agent at J.S. Downey Insurance to see how different options can cover a variety of situations.

How do I enroll?

After answering a few short questions on make, model and type of coverage limits, we can get you a quote immediately and explain all the ways to get the protection you want while also reducing your auto insurance premiums.