"Helping You Reach New Heights"

Alta Vista Insurance Agency

2585 Pio Pico Drive

Carlsbad CA 92008

Testimonials

We love working with our customers!

See what our customers say about working with us!

Alta Vista Insurance – Local, Independent, Trusted.

Alta Vista Insurance Agency has been serving our local San Diego neighborhoods with independent insurance advice since 1978. We are proud to continue to be your "Trusted Choice®" insurance advisor. We've served you, our customers for over the past 40 years, and we plan to be here for the next 40 and well into the future. We are proud members of the IIAB San Diego supporting our local San Diego community.

Read Our Pledge

Our Blog Posts

No blogs found

FAQ - Frequently Asked Questions

What factors affect my auto insurance premium?

Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.

Can I add additional drivers to my auto insurance policy?

Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.

What happens if I let someone borrow my car, and they have an accident?

If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.

Have More Questions? We Have Answers!

Commercial Department:


Business Owners Policy
General Liability
Commercial Property
Commercial Auto

Benefits Department:


Group Health

Individual/Family Health

Life Insurance

Dental

Vision

Personal Department:

Homeowners
Rental Property

Auto Insurance

Boat Insurance
Umbrella

Earthquake

Flood

Valuable Articles

Contact Us:

Alta Vista Insurance Agency
2585 Pio Pico Drive
Carlsbad CA 92008


Call (844) 629-1500

© 2025 Alta Vista Insurance Agency | Privacy | Terms of Service