Ruby is very helpful, professional and provides a great premium coverages. Go call culver insurance service.

Alejandra Plata is great! Called her after getting my new motorcycle. I had shopped around when I purchased the bike but got really high quotes for coverage (Really!), so I didn't insure it and paid to have the bike delivered to me. Called Culver Insurance first thing in the morning and Alejandra took my info and the bikes info and called me back after a few minutes with a great quote on comprehensive coverage (less than half of what I got quoted by Harley-Davidson even for limited coverage). Got the application completed right away and Bam! I'm covered! Now to go out on a spin! So excited! Def use Culver! Def use call Alejandra! Bob the old dude. read more

Culver Insurance Services - 2024 Yamaha MT-07 - Auto Insurance Near Me - Lake Forest, California

I was just informed that in order to adjust my policy I'd have to renew it for the original amount first. After they had taken my money the agent said call back the next day and they can adjust it for the next period, being 3 months later but no refund on the 3 moths I just paid for if I decide to go down to liability only. Every time I tried to voice my concerns about their seemingly questionable practices the agent interrupted me mid sentence. Customer service is horrible! read more

I needed new insurance ASAP after an unexpected cancelation Alejandra was patient and understanding, not pushy, and very thorough. She made the process extremely easy after I was sweating bullets, and ended up with a full coverage policy that was literally half of what geico and others had quoted me. Thank you read more

Fantastic company and always gives extremely competitive rates. Always very helpful and quick

I cant believe how hard they make it to cancel a policy. Cant do it through email or phone./ Have to send all this crap in with a reason why im canceling? They definitely need to improve on this. I guess they dont care about it being convenient since were canceling.. read more

I'm not sure what's going on. But when I bought my heritage back in 2019 and had two more bikes.Since then, everything was great with this company. I sold my last bike last year in 2023 in October and just got me another one recently and called to talk to the person I spoke to last time. Unfortunately, she was not there no longer working for the company. Instead, I got someone who I could hardly hear on the phone, and when I gave all my information, I I was told I will get a call back in a few hours. I explained to her that I needed the bike insured right away. As I needed to drive it away from where I was at. However, this did not seem to phase this person. I'm not sure what happened to Culver's insurance, but they have gone. We way downhill. Needless to say, I found someone else and went with them. Last time I was dealing with culver's i spoke to someone named diana lopez, who was very always responsive, very fast, and now this person that I spoke to really made me feel unwanted. read more

I had a good experience with Culver Insurance. I insured my first motor vehicle over the weekend. The representative who helped me, Iris, was very responsive over email and was able to make the process easier than expected. I even called and asked questions. All of my questions were accurately answered. read more

Please read all the negative reviews of Culver before signing up with them. Many people aren't aware that Culver charges a $250 non-refundable broker's fee for selling insurance. Of course, you can just directly buy the insurance from Progressive.com. In our case, Culver submitted incorrect policyholder information to Progressive. They said my girlfriend had held her license for many years whe in fact she has only been licensed for one year. Naturally, this generated a very cheap quote. Not realizing what Culver had done, we bought insurance through them. The first document that listed the incorrect policyholder information came from Progressive. We immediately called Culver to notify them of their error, to cancel the insurance, and to ask that the broker's fee be refunded. We've been waiting to hear back from "the manager" ever since. He's been out on personal leave all week. The associate can't tell me whether he might be in Friday or Monday. These people are scammers. read more

The good: they respond quickly. The bad: they charge a $250 "brokerage fee" to sell you the insurance. I've never heard of this. They also didn't disclose this to me until after they had ran my credit card--which was very frustrating. Also, after my large first month payment I was told my motorcycle insurance would be $88/month. When I received my first bill from Pacific Specialty (insurance company they put me with) it was $98/month due to a "service charge." When I spoke with pacific realty they told me that my agent at culver insurance should have informed me of the service fee. read more

Super helpful in getting my motorcycle insured. I didn't know what the range of options might be, and Alejandra and Alma went right to work on finding me a policy that was exactly what I needed. Very responsive, timely, and accurate information. THank you! read more

Great customer service and extremely great prices. Alejandra P helped me every step of the way and made the whole process extremely easy. I have two motorcycles insured and couldnt be happier. Highly recommend this business. read more

I had to get insurance for my 2024 Yamaha R3. I searched and searched and all the other companies were charging an arm and a leg for full coverage. But after speaking with Iris she made my life so much easier and talked me through all the steps and charges and I was not blind sided by anything. Thanks to Iris for helping me find such a good price for insurance read more

Hi Thank you Ruby and Nathalie and everyone helping me. I've been getting insurance here for years. One aspect I really like are the great prices and the staff really try hard to get back to you. Great customer service - great communication! Nathalie thanks for being patient and answering all my questions about the different options for my vehicles - including the anti-theft considerations / coverage. read more

Culver Insurance has been a positive experience all around. Iris was very thorough, friendly, and fast in finding several options for motorcycle insurance, and found a much better deal for me than I could find otherwise on my own. read more

Alejandra is an absolute joy to work with...friendly, efficient and timely! Doesn't get better than this! read more

I want to start this by saying Diana and staff are extremely nice. I have had experience with a broker in the past and the thing they do not communicate well to you is they charge a $200 nonrefundable fee for their pocket. I knew this once reading the contract to sign after they took payment. Harley off the record suggested them during the motorcycle purchase. Unfortunately who they sold out policy to wanted proof we were not at fault for an accident and were canceling us if we don't provide proof. Without a long story, they wanted another $50 broker fee to get us another carrier and it wasn't our fault. We went with Tom Stephens at Farmers in Oakley with no problem, no broker fee, and WAY cheaper. So I don't recommend throwing away $200 for high priced insurance. read more

I was recommended to Culver Insurance through my sales agent when I bought my 2018 Ducati Monster 1200. I worked with Ruby, who was friendly, professional, and polite. She had me in a full-coverage plan for a pretty reasonable price in about 30 minutes. So far, so good :) read more

2 Stars because I should have known better. I basically paid $200 to have someone setup my $400 insurance policy. Sigh... Being new to owning a motorcycle, when I was quoted $600 - I jumped on it. Now after reviewing my policy with progressive that was setup by Culver, I realized I could have just went straight to progressive like I usually do for my home and auto and saved $200 in broker fees! lol Culver was professional and quick to get me a policy, but I would not use them again as I don't feel they were working in my best interest. If I was getting a large policy to cover an expensive boat, I'd understand a $200 broker fee... but please do not take advantage of first time motorcycle owners. Shame on me for not checking further and shame on Culver for charging a $200 broker fee on a $400 policy. We all need to make money in this world but wow, I feel a little bit ripped off. Keep up the professionalism but please CLEARLY breakdown your fees before setting up your customers policies in the future. Having a flat $200 brokers fee is fine if you're setting up large policies or doing extensive work to find a specific policy for a client BUT if someone comes to you with a $400 policy, maybe tell them it'd be worth it for them to try themselves if they can! read more

Been using Culver for about 4 years now. They've been great. Initially they set me up with Drive/Progressive and all was fine on my old bike, but when I got a new bike this past weekend, Progressive for some reason had an astronomical rate on my new bike, which actually should have been less expensive. I called Iris on Monday, who shopped around for me, and ended up finding a rate 75% less than what Progressive set me up with. I'd highly recommend using Culver. Everyone I've spoken to there has been very nice and easy to deal with this far. read more

Had a very un professional experience with Nataly lopez, she called herself a manager but is rude and very unqualified , she's not recommend or to be commended as a company rep. Disrespectful to clients read more

Great Customer Service! April helped me get a remarkable quote, always picks up the phone when I need her, and has been in great communication regarding my insurance policy! read more

I've been with Culver for a few years now and I've always appreciated their service and efficiency. Today I had the pleasure of dealing with Iris to transfer my policy to a new motorcycle. Iris was very friendly and incredibly helpful! She sent me all the information I needed to be on my way. She offered great customer service, helped me understand what was required and provided me with my updated Insurance ID very quickly. Big shout-out to her for helping me out! I would definitely recommend Culver to anyone looking to get personalized service and great rates. read more

Culver Insurance Services - Auto Insurance Near Me - Lake Forest, California

Cudos to Iris Castellanos at Culver Insurance Services. She made the whole process of insuring my Soft Tail a quick, simple process. The Chopper Gallery in Temecula recommended her and I am glad they did. She is truly an asset to this organization. Keep up the great work Iris. Thanks again. read more

Culver Insurance Services - Auto Insurance Near Me - Lake Forest, California

HORRIBLE. This company didn't just cancel my motorcycle insurance for no reason. They also failed to notify me in a reasonable time. They cancelled my coverage on 8/7/15, but didn't bother to put a notice in the mail until 8/31/15. And, since, I was out of town, I didn't even get the notice until 9/11/15. So, I was unknowingly riding around without insurance for OVER A MONTH. The penalty for doing so if you get caught is: *a fine of $250 *suspension of license *motorcycle impounded Another reason I'm thanking my lucky stars nothing happened during this time? I called to complain about getting cancelled and to find out why at about 7pm on a Thursday. They do not answer their phones after business hours! So if you get into an accident at night or on a weekend, you're SOL until at least Monday morning. Do yourself a favor. Go with geico or someone who will at least pretend like they want your business. The prices are comparable. There's no reason to pick these numbskulls. read more

I wish I had checked Yelp reviews for this terrible insurance company before signing anything. I was tricked into paying WAY more than I had to, and when asking about it, they pretty much laughed in my face and told that's it's my fault if since I signed the papers (which I did WHILE talking to the agent on the phone who reassured me that the amount I'm paying is the full amount for the insurance). Terrible business practices - DO NOT BUY ANYTHING from those people. read more

Be careful here when getting motorcycle Insurance. I purchased my first bike from Pacific Coast Motorsports, and was referred to Culver Insurance. I dealt with a guy named Alejandra Plata. I was charged $200 in a non-refundable broker fee for a $470 policy. A 43% Premium just to sign me up with Progressive!!!! It is my fault for not reading over the paperwork and seeing what a scummy move this was, but I was just excited to be getting my new bike. BUYER BE WARNED, READ THE PAPERWORK AND MAKE SURE YOU SEE THE BROKER FEE AND YOU ARE OK WITH IT! read more

This agency/broker was recommended to me by the dealer and they did not disappoint. Iris responded very quickly and was very helpful. In reading some of the reviews I see that there is a concern regarding the fees charged but their rates are still reasonable. read more

Ask for Iris! She's super nice and patient. She's so efficient and got me through the whole experience in about an hour. I called her with the VIN number of the bike I was in my way to pick up and by the time I got there I was covered! read more

How could you justify charging a broker fee of $200 for an insurance policy of $300. Not a single time did Culver Insurance mention a $200 broker fee. I did sign a blurry fax contract, I just miss the $200 fee. Now I know why they don't mention the $200 fee. Anyway, never again will I do business with Culver. I will tell all my friends and co- riders about this $200 broker fee for a $300 Insurance Policy. Paul O. read more

I needed insurance on my Can Am X3 SXS and gave Culver Insurance Services a call. I spoke with April and she took all my information over the phone, April assured me that she will call me back with 30 minutes with the best quotes. Within the thirty minutes she called back and gave me the good news of a low quote with the best coverage with a well known company. For hassle free shopping for insurance give April at Culver. read more

Elizabeth quoted several vehicles for me assisting in my motorcycle purchase decision. She found me the best price compared to other service providers. I found their team to be knowledgeable and willing to work hard to get your business. I'm fully protected thanks to Culver Insurance Services. read more

Thank you Ruby very fast and professional service great pricing and very fast turnaround. John from SF Harley said you were the best, thanks again. read more

Culver Insurance has the worst customer service I have ever had, the are rude and do not return phone calls. On a recommendation I called them for motorcycle insurance and should have known then not to use them. They took my payment, but never called me to let me know anything about the insurance as they said they would and when I called they left me on hold four 15min. When I did talk to them they were rude and it was hard to get them to send me proof of insurance. Worst customer service ever. Do not use them! read more

I was at a San Francisco dealership and they provide me with this company for motorcycle insurance searching. Iris is the person who helped me find the desired insurance policy. The insurance company American Modern quote me a ten months premium of $800 on my new bike, which is about half the price of what Geico quoted for me. I have $500 deductible for both the comprehensive and collision coverage. Iris was really helpful when their system didn't have my active driver's license on file. I was able to obtain the insurance coverage within an hour. One thing to notice is that Culver Insurance did charge me $200 for their services. read more

Iris was great. Thank you! Service was fast, helpful, and she was great to deal with. Plus, the rate was great.

I have found the service at Culver Insurance Services to be 'hit & miss' excellence. April Ramos' customer service is/was 5 Star. My reason for contacting CIS; I have an existing motorcycle policy with them. Last weekend, I traded in the cycle insured and purchased a new cycle. I just needed to add/delete the cycles. April was outstanding in her explanation of the process and her subsequent handling of such. Unfortunately, April was the second company representative I dealt with (a total of 3 were spoken with) and the other two- were not as easy. The first was contacted during the weekend of the new purchase. After explaining the reason for contacting CIS; this representative (whom I cannot recall her name) told me that such process can only be done via email. I gave her my email address and waited patiently for said email *which was never received *. Subsequently, April was contacted on Monday and the excellent service was received. Unfortunately, when I responded- I left an important detail out and April sent an email indicating such. At this point, I telephoned again, and the third person was spoken with. She explained that April was busy or not available at the moment. I attempted to relay the information, however, this representative was very impatient and curt, insisting that I follow up with another email. I did so, but, was dissatisfied by the nagging service. Result; once again- April Ramos= outstanding ...the other two representatives = lacking. Thanks! read more

Had insurance with them for almost 3 years. Always had automatic withdraw, 1 month they didn't withdraw my monthly payment and my insurance policy was canceled. They never even bothered to call to let me know that they never received payment. I called them to see what was going on, and they said that they would need almost $250 upfront to start a new insurance policy because the didn't receive payment. Now I have the lender calling me saying that I haven't had insurance for 2 weeks. I will be looking elsewhere for insurance than deal with the weak customer service. read more

I took an annual motorbike insurance from Culver's and I canceled it after a month and 20 days. When I received my remaining amount back, guess what? they kept over 2/3 of the money I paid as insurance! I didn't even use my insurance for complete 2 months !! When I took the insurance they never explained about the cancellation and how they plan to deduct the money on cancellation. And most of us don't have the time to go through the thick booklet they give as there policy. I won't go back to them ever! -Kartik D. read more

TL;DR--Cheap prices but terrible, irresponsible customer service. I was referred to Culver Insurance Services by my dealership for great prices on motorcycle insurance. When I first called, they were very polite and responsive over the phone and by email. Once my first payment was made, that was the end of it. When I had flat tire one time, I called them and they acted like they had no idea who I was, couldn't find any records for me, gave me a few other numbers to call. I'm standing on the side of the freeway trying to use the services I pay for and they gave me the runaround. I ended up just towing my bike out of my own pocket and not bothering to try getting their help. Later on, one of my monthly payments didn't go through because of a fraud protection block on my debit card, and they just cancelled my insurance without notifying me in any way whatsoever. I was unknowing riding around without insurance for months. That is not just irresponsible, that's downright dangerous. Just bite the bullet and pay the higher premiums for Geico or some other mainstream insurance company with a nice website and customer support team. Don't be cheap, you'll regret it. read more