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Auto Insurance in San Francisco and The Bay Area

Protecting Drivers in San Francisco, CA

Protection against exposures that once faces while on and off the road is essential. Auto insurance provides this protection, and keeps drivers compliant as well. At Riskguard Insurance Solutions we have broad and flexible auto insurance programs that we adapt to the needs of individual drivers. We provide guidance to help you choose the right coverage for your situation with the best value in mind.

Contact us or request a quote if you’re ready to get started, or read on in order to learn more.

Coverages and Policies Tailored to Your Needs

Auto insurance is unique to each policyholder; not ‘one-size-fits-all.’  For this reason, we get to know each driver and his or her situation before selecting coverages. We assess drivers’ needs and match their needs with coverages that are most appropriate. From there we create policies and packages that provide complete protection for minimal costs.

Some coverages are common from policy to policy, but no two policies are alike. As an independent agency we have the ability to ‘shop’ on your behalf for the right coverages, and as a result your policy may reflect the offerings of different companies. From there we find policies and/or create packages that provide protection for the client’s needs.

The coverages from which you can choose include:

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Medical Payments Coverage

There are distinguishing characteristics of each coverage option, and sometimes having an understanding of these characteristics before examining auto insurance possibilities is beneficial. For example the big difference between collision and comprehensive coverage is that collision covers hitting another car, while comprehensive would cover other things like a tree falling on your car. To understand coverages better, speak with an agent or visit any of the pages listed in the ‘Auto Insurance’ drop down menu in our ‘Products’ menu.

Also, if you’d like to save money on your auto insurance beyond what standard discounts and benefits can provide, see our home & auto page for information about combining home and auto insurance. You can also ask an agent about this. 

Working with Riskguard Insurance Solutions

We’re an independent agency so we can ‘shop’ on your behalf for the right coverages from different carriers. This affords you the ability to have the auto insurance policy and/or package that fits you best. We also work with clients continuously, which means that we don’t just provide policies and then leave the rest to policyholders; we monitor policies regularly and stay in touch with clients. This ensures that all coverages are current and therefore effective and that rates are appropriate.

We manage risk and claims. This helps clients reduce costs and it helps clients have advocates if and when claims are filed. We educate clients on and ongoing basis, and this helps clients have the information they need in order to make the best decisions possible about their insurance, including making the best investments.

Please contact us or give us a call to learn more or to get started. If you’re ready to begin on a policy, feel free to request a quote.

Riskguard Insurance Solutions is proud to provide car insurance in San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA. We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas.

Related Links:

The City of San Francisco Official Site

A Guide to Your Insurance and Legal Rights in California

California Auto Insurance Information and Resources (The California Department of Insurance)

Car Accident Laws in California (NOLO)

California Driver Handbook (The California Department of Motor Vehicles)

California Auto Insurance Information and Resources (DMV)

An Auto Insurance Buyer’s Guide (The National Association of Insurance Commissioners (NAIC))

Related Products:

Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.