Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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AIS Auto Insurance Specialists was founded in 1969 in sunny California. For over 40 years, the company has dedicated itself to helping drivers like you find the most competitive rates on automotive insurance premiums for their customers.

Unlike most auto insurance companies, AIS doesn’t necessarily manage the policies themselves; they act more like a broker connecting drivers who need coverage with a chosen handful of providers. That means AIS Insurance reviews relate to the company’s services as an agency rather than as a true insurance company.

Getting your own insurance policy can be a confusing, time-consuming process. Depending on where you live, there could be dozens of different companies that you might need to request quotes from, and doing all of that work by yourself can be daunting.

That’s where AIS comes in. They offer to do all of the grunt work for their potential customers in order to make the process quick and painless for the average driver. And any issues you have with the insurance company they choose for you will be handled by AIS. You won’t have to deal with your insurer directly.

It’s also where we come in. We can help you find cheap auto insurance right now.

Before you read this AIS auto insurance review, enter your ZIP code above to compare rates right now.

AIS Insurance Review

Because AIS is more of a broker than an insurance company in and of itself, finding accurate reviews about the company can be challenging. As far as their financial strength goes, A.M. Best doesn’t have any records for AIS, Auto Insurance Specialists LLC, or PoliSeek (the name of the company outside the state of California).

The BBB likewise has no rating for AIS, but there have been three complaints filed against them within the last three years. There are two Yelp pages for AIS – Auto Insurance Specialists; one page is flowing with positive reviews, while the other has mostly negative reviews from unhappy customers. Together, both pages average about 3 stars (out of 5).

Ratings AgencyRating
Better Business BureauNo Rating
A.M. BestNo Rating
Yelp3 stars (out of 5)

AIS Insurance Discounts

Your discounts may vary depending on which provider AIS chooses to underwrite your policy. However, according to the AIS website, you might be eligible for at least:

Discount Type% Savings
Multi-Car Discount15%
Good Driver Discount20%
Anti-Theft Device Discount:2%
Good Student Discount (full-time)15%
Cycle Safety Course (Motorcycle Insurance Only)5%

But AIS deals in more than just auto insurance. They offer insurance for many different types of vehicles, AIS homeowner’s insurance, life, health, and even AIS motorcycle insurance. And if you decide to branch out and take advantage of multiple financial products, you might also be eligible for the following discounts:

Discount Type% Savings
Multi-Policy (“Bundling”) Discount15%
Mature Driver Discount (55+)5% (after passing Driver Safety course)
Group Insurance Discounts5-15%
Home Alarm5% (Homeowner’s Insurance Only)

(*Discounts and % Savings courtesy of

There is an AIS Insurance login on the site where you can manage your policies, although many changes may need to be done directly with the insurance company.

AIS Insurance locations are found in both Southern California as well as the Bay Area.

AIS Auto Insurance Options

With AIS, you’ll get access to insurance providers willing to offer you the following forms of coverage:

  • Liability (Bodily Injury and Property Damage)
  • Collision/Comprehensive
  • Uninsured & Underinsured
  • PIP (Personal Injury Protection)

In addition to standard coverage and complimentary optional coverages, AIS offers its customers:

  • Rental Car Reimbursement – for when your vehicle is in the repair shop and you have no other means of transportation, your insurance provider will pay for your rental car
  • Towing – For when your vehicle becomes disabled and needs a tow or on-site repair work
  • Loan/Lease Gap Coverage – If your vehicle is totaled in an accident, this coverage pays the difference between your vehicle’s real market value, and the cost to replace it
  • Medical Expenses – if you, a member/members of your family are hurt in a collision or struck as a pedestrian, this coverage can help pay for medical expenses
  • Rideshare Insurance – a new type of coverage which protects drivers for companies such as Uber or Lyft from accident-related expenses while you are on their clock

Comparing AIS Insurance Auto Insurance Quotes

When you get in contact with an AIS agent, they will use your personal information to try and find the lowest possible quote available in your area. Some of the companies they work with include major providers like Mercury Insurance, Progressive, The Hartford, and Infinity.

Average Auto Insurance Quotes Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 50 100 150 200 250 300 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

In the chart above, you can see the average rates for major areas, and also for some of the most common insurance companies in the country. Your quotes may vary based on your personal circumstances, such as where you live and which provider you decide to go with. But the numbers above can help put any quotes you get into context and help you find the best deal.

AIS auto insurance rates will also vary based on the company you select. Every car insurance company has different rates for the same person.

Pros and Cons of AIS Insurance

They do most of the insurance shopping for youYou’re forced to deal with a “middle man” instead of communicating with your insurance provider directly
They’ll find you the lowest available rate from their list of trusted providersYou may be eligible for a lower rate from a provider outside of their network
Negative reviews are addressed by the company and efforts were made to resolve the issuesSeveral negative reviews on Yelp accusing them of dishonest business practices

AIS is an insurance company that, instead of selling and managing policies themselves, helps customers like you find the best rate among their shortlist of trusted providers. AIS agents are trained to take down your personal info and use that to comparison shop for the best policy on your behalf. And if any issues arise between you and your insurance provider, they will help you navigate those rough waters.

However, some people don’t like dealing with a “middle man” and would prefer to shop for a policy and deal with their insurance provider on their own, despite the hassle. There have also been complaints from some customers about being charged a fee to cancel their policy, or being tempted to do business with AIS based on “bait-and-switch” tactics. However, it appears as though representatives from the agency have tried to reach out and resolve these issues.

AIS can help you comparison shop for the lowest rate among lots of different providers. However, you should still get fast, free quotes from sites like – just in case we can provide you with quotes from providers that AIS doesn’t have access to.

Corporate Headquarters
P.O. Box 6507
Artesia, CA 90702-6507
AIS Insurance phone number (AIS Insurance customer service): 1-888-772-4247