Farmers Insurance · Garnet Ave, Pacific Beach
CA auto rates rose again in 2026 · Several carriers stopped writing new policies · This office is still writing in San Diego
The discount most San Diegans never claim

Your car and home are paying two bills when they could pay one.

California insurance is painful right now. Rates are up more than a third since 2023. Bundling auto and home (or auto and renters) with one Farmers agent is the biggest discount left on the table, and it takes one 10-minute call to price.

Price my bundle Bring your current bills. We do the math in front of you.
Average Farmers bundle savings
$1,232

per year when customers bundle auto + home*


Multi-policy discountup to 20%
Auto + renters bundlealso eligible
Policies + bills to manage1

*Farmers national average savings claim; verify current figure before launch. Individual savings vary.

Why now

The California squeeze, in four numbers

You are not imagining it. Here is what happened to CA auto rates while nobody was looking.

+13%
CA auto rate increase, 2023
+15%
Again in 2024
+16%
Again in 2025
30/60/15
New CA minimum limits, so "cheap" policies got pricier too

The rate hikes you can't control. The bundle discount you can. Claim mine

How it works

One agent runs both policies

Your car

Auto, rated for PB

Street parking, beach traffic, weekend visitors. Cesar rates your car for how it actually lives, and stacks every discount you qualify for: multi-car, safe driver, and the bundle itself.

Bundle discount: applies here

Your home

Home, condo, or renters

Coastal PB is favorable territory compared to inland fire zones, and your policy should price like it. Own a condo or rent an apartment? Both bundle with auto the same way.

Bundle discount: applies here too

Your bill

One bill, one number

One renewal date, one claims contact, one office on Garnet Ave that picks up. When something happens, you are a client, not a policy number in two different call centers.

Bonus: your sanity

Renting now, buying later?

Start with auto + renters today (renters is often under $20/mo bundled). When you buy your first place, the bundle converts to auto + home and the discount grows with it. Your rate history comes with you.

Start with renters
10 minutes, real numbers

Price your bundle

Tell us what you drive and where you live. Cesar prices both policies together and shows you the before and after, same business day.

No spam, no obligation. Or call (619) 673-8504 and read Cesar your current bills.