Hillcrest lists 13 insurance agencies in the 92103 ZIP code, from independent brokers quoting multiple carriers to captive agents representing a single insurer. Brad Sund at State Farm and Every Day Insurance Services lead the reviewed roster, covering auto, home, renters, and small-business policies near University Avenue.
1527 W Lewis St, San Diego, CA 92103
+1 619-296-6505
Verified3977 Normal St, San Diego, CA 92103
+1 619-297-4111
Verified3033 Fifth Ave UNIT 325, San Diego, CA 92103
+1 619-220-8013
Verified325 W Washington St Suite 2 #612, San Diego, CA 92103
+1 760-484-0979
Verified3066 Columbia St Suite 1, San Diego, CA 92103
+1 858-345-9952
Verified801 Washington St, San Diego, CA 92103
+1 619-296-0005
Verified3911 Fifth Ave #200, San Diego, CA 92103
+1 619-324-4040
Verified2550 Fifth Ave Ste 617, San Diego, CA 92103
+1 619-681-0060
Verified4009 Park Blvd #1, San Diego, CA 92103
+1 858-225-7181
Verified3565 Fourth Ave, San Diego, CA 92103
+1 619-693-6105
Verified3880 Fifth Ave, San Diego, CA 92103
+1 619-550-1142
Verified1228 W University Ave, San Diego, CA 92103
+1 855-441-2245
Verified3579 Fifth Ave #200, San Diego, CA 92103
+1 619-756-6051
VerifiedBrad Sund at State Farm operates in the 92103 ZIP code and carries one of the strongest review records among Hillcrest insurance agents, handling auto, home, life, and renters coverage through State Farm's product line. Every Day Insurance Services works as an independent agency quoting from multiple carriers, giving clients a side-by-side comparison that a single-company agent cannot provide.
JPL Insurance Services and Belltown Insurance Group round out the qualifying agencies, each offering a mix of personal and commercial lines. Most Hillcrest insurance offices sit near University Avenue or along Washington Street on the western edge toward Mission Hills. For policyholders who want to compare with agents outside the neighborhood, Doug Steiner at State Farm in Downtown runs one of the highest-reviewed insurance offices in San Diego.
Ask whether the agent is independent or captive. An independent agent like Every Day Insurance Services represents multiple carriers and can compare premiums, coverage limits, and deductibles across companies in a single appointment. A captive agent like Brad Sund at State Farm represents one insurer but often delivers bundling discounts and loyalty pricing that independents cannot match.
Beyond the agent type, verify the California Department of Insurance license through the agency's website or the state's online license-lookup tool. Ask about claims support—a strong agent advocates for the client during the claims process, not just at the point of sale. Response time matters too: an agent who returns calls within a few hours during a claim is worth more than one who offers a slightly cheaper premium but disappears when the policy is tested.
The 'best' car insurance depends on the driver's record, vehicle, commute, and coverage preferences, but San Diego policyholders consistently comparison-shop between State Farm, GEICO, Progressive, and AAA for personal auto. In Hillcrest, Brad Sund at State Farm handles auto policies alongside home and renters coverage, and the bundling discount for multiple policies under one agent often outweighs the savings from shopping each line separately.
Independent agencies like Every Day Insurance Services pull quotes from several carriers at once, which is especially useful for drivers with accidents or tickets who may be surcharged by one company but rated normally by another. Hillcrest's 92103 ZIP code sits in a mid-tier rating zone for auto insurance—lower premiums than Downtown but higher than suburban ZIPs—so comparing at least three carriers before renewing is worth the ten minutes it takes.
Hillcrest's 13 insurance agencies collectively cover personal auto, homeowners, renters, life, health, umbrella, and commercial lines. Renters insurance runs strongest by volume in the 92103 ZIP code given the neighborhood's apartment-heavy housing stock—most Hillcrest renters pay $15 to $30 per month for a standard policy covering personal property and liability.
Commercial insurance serves the small-business operators who line University Avenue and Fifth Avenue—restaurants, retail shops, salons, and professional offices that need general liability, workers' compensation, and commercial property coverage. Agencies like JPL Insurance Services and Belltown Insurance Group handle both personal and commercial accounts, which means a business owner can bundle personal auto with a commercial policy under the same agent.
A standard renters insurance policy in San Diego runs $15 to $30 per month for $30,000 to $50,000 in personal-property coverage and $100,000 in liability, though the exact premium depends on the building's age, the unit's floor level, and the deductible. Hillcrest's housing stock includes a mix of older apartment buildings and newer developments, and premiums in the 92103 ZIP code fall in the middle of San Diego's range.
Bundling renters insurance with an existing auto policy through the same agent typically saves 5% to 15% on both premiums. Brad Sund at State Farm and Every Day Insurance Services both write renters policies alongside auto and umbrella coverage. Most claims in rental buildings involve water damage, theft, or liability from guest injuries—all covered under a standard renter's policy without requiring the landlord's involvement.
Yes—Brad Sund operates a State Farm office in the 92103 ZIP code, handling auto, home, renters, life, and small-business policies. State Farm's captive model means Brad Sund writes policies exclusively through State Farm's product line, which includes bundling discounts for customers who stack multiple policy types under one agent.
For policyholders who want to compare State Farm's pricing against other carriers, Every Day Insurance Services and JPL Insurance Services are independent agencies in Hillcrest that can quote competitors alongside State Farm. Doug Steiner runs a second State Farm office in Downtown for residents who work south of Washington Street and want a closer office to their commute.
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