AA Lares Insurance Services
AA Lares Insurance Services
Home2025-08-14T15:42:00-07:00

Welcome to AA Lares Insurance Services in California

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AA Lares Insurance Services

About AA Lares Insurance Services

Focusing on efficiency & performance

AA Lares Insurance Services is a family-owned independent insurance agency located in Orange and Anaheim, California dedicated to protecting you and your family with quality personal and business insurance programs.

If you're asking yourself, "Why go with an independent agency? Why not just go directly with an insurance carrier?" We can answer that in one word. Choices. Whether you work at home, or commute over county lines, your needs are carefully placed into a program that best fits your unique situation.

Above all else, we'll help you understand insurance a little more. We also have made shopping easier for you by developing a safe and convenient online insurance quote form. Together, we will get you adequately covered with premiums that are affordable.

We are dedicated to providing excellent customer service and using the latest in technology to optimize your insurance options. We make ourselves available via phone, email, chat and text.
Family owned since
2000
Patty Lares owner of AA Lares Insurance Services in Orange California

Get to know our team

Let our team build a custom protection plan to fit your unique needs.

Client Testimonials

Every customer has a different story to tell based on their individual experience with AA Lares Insurance Services. We take pride in our customer service and we believe in offering only the best services to our customers.

1163 North Tustin Street, Orange

4.9 882 reviews

  • Avatar Jose Montoya ★★★★★ 2 months ago
    Cesar provided exceptional service. He was very knowledgeable, patient, and answered all my questions. I was able to get both my vehicles covered at a better rate than my previous insurance that same day. That wouldn't be possible … More without … More
  • Avatar Jaimie Fraser ★★★★★ 2 months ago
    Cesar Chavira was super helpful what I needed to transfer to a new auto insurance! I really appreciate his patience in dealing with my hectic life. And also when getting me the best deal. Thanks Ceser!
  • Avatar Ramón Castillo ★★★★★ 2 months ago
    Highly recommend CESAR from AA Lares Auto Insurances. Cesar went out of his way to provide us the best auto insurance deal after comparing other insurance deals. Thank you Cesar
  • Avatar HAZEL QUADRA ★★★★★ 2 months ago
    Ilyas Mohammad was very patient and honest, I would highly recommend him and this company . He was very detailed and was great with follow through. What a wonderful experience - this is what customer service is all about !! Kudos to you … More Ilyas!!!! Will absolutely recommend you to my friends and family !! 100STARS
  • Avatar Jesus Cobian ★★★★★ 2 months ago
    5 Stars for the excellent service by my agent Ilyas at AA Lares Insurance. Not only did he provide excellent service to get my policy started, he checked in with me at my 6 month renewal. Thank Ilyas!!!
  • Avatar Susan Davis ★★★★★ 2 months ago
    Ilyas Mohammad did an excellent job meeting my rental property insurance needs in a very timely manner. He is a respectful, courteous, and knowledgeable man. He does a great job representing your company.

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AA Lares Insurance Services is here to help you find the right coverage for yourself, your family, or business in Orange California. Submit your information below and one of our expert insurance advisors will reach out to you to discuss your insurance options to get you the right policy fast.

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AA Lares Insurance Services

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If you would rather call us to discuss your insurance needs or schedule a time in person, please call us today!

We’re here for all your insurance needs!

Personal insurance for individuals & families

We offer affordable Personal Insurance products to protect everything from your home, auto,  to other valuable assets.

Insurance coverage
for your business

For more than 20 years, AA Lares Insurance Services has served the business communities up throughout the Counties of California, bringing you comprehensive insurance programs and expert insurance advice. Out specialists select from more than 35 of the top insurance companies in the business to build an insurance program to cover the many risks – some fairly standard, some quite unique – that your business is exposed to. With the health of your bottom line in mind, we search for hte best coverage at the most affordable price.

Inadequate coverage makes for risky business. To learn more, call us at 714-288-8000, email, or complete our quick and easy form to receive a free proposal at no obligation. We look forward to doing business with you.

AA Lares Insurance Services

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Workers Compensation

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Commercial Property

Commercial property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Cyber Liability

Businesses today increasing rely on digital systems and store customer data electronically. Cyber liability insurance helps cover the costs associated with data breaches, including legal fees, notification costs, and credit monitoring for affected customers.

Professional Liability

Professional liability insurance, aka Errors & Omissions (E&O), can help cover legal expenses if your business is sued for a mistake, missed deadline, project scope disputes, negligence, or other risks associated with customer satisfaction.

Commercial Umbrella

Commercial umbrella, aka Commercial Excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer’s liability insurance.

Business Owners Policy

A business owner’s policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.

Non Emergency Medical Transportation

NEMT drivers often operate in a unique regulatory environment that requires specific coverage and liability protections. We’re familiar with these requirements and can help you secure the appropriate insurance policies.

Frequently Asked Questions

Got questions? We have answers. Here are some of the questions we answer on a daily basis. If you need more information about your specific policy, give us a call, send us an email, or message us directly.

Will my auto insurance cover other drivers?2025-06-19T21:44:34-07:00

The most popular term in insurance is “it depends”. There is no way to make a blanket statement that will cover ALL insurance policies. To find the most proper answer for this question, you must look to your insurance policy.

Most preferred insurance policies operate under the term “Permissive Use” This means those people, that are not directly excluded from your policy and have your implied permission to use your vehicle are covered on your insurance policy.

Typically, if someone is a licensed driver in the home, or has regular access to the vehicles, it is best to list them on the policy. Check with your insurance agent or review your policy to find out the details of your coverage.

What is med pay? Do I need it?2025-06-19T21:43:50-07:00

Bodily Injury liability insurance is coverage against you when you’re at-fault in an auto accident in which there is bodily injury to a 3rd Party most often in another car.

Medical payments is a coverage designed to cover the medical expense of individuals within your car. Another interesting fact about medical payments coverage is you do not have to wait for approval from the adjuster. This coverage is meant to be a deterrent to having to get into a full-blown lawsuit, many claims can be put to rest by simply using this coverage.

Can I cancel my insurance policy before it expires?2025-06-19T21:43:22-07:00

You can cancel a personal insurance policy (i.e. Auto, Home, Boat, etc.) at any time without penalty UNLESS your policy has a cancellation fee or a minimum earned premium amount however, most preferred insurance carriers in California do not have cancellation fees. All policies are cancelled pro-rata which mean you only pay for what you use.

Does my auto insurance cover a rental car?2025-06-19T21:42:43-07:00

The simple answer is: Yes. Your insurance policy will cover your rental car as long as you have comprehensive and collision (full coverage) on your current policy. Simply put, whatever coverage you have on your current policy, it will transfer to a rental car.

Here is where things get tricky. If you’re renting a car from a rental car agency, and that agency is charging you, or the insurance company a daily rate, then you could be on the hook for that daily rate if the car is in the shop being fixed by your insurance policy.

If you’re in a new place, or if you have the rental car for a longer period of time, it’s our suggestion that you purchase the insurance agreement from the rental car agency. This will make sure that the daily charges are paid for by the rental car insurance policy.

How do I know I’m getting a good deal?2025-06-19T21:42:13-07:00

The best way to assure that your rates remain competitive is to work with an independent insurance agency, like AA Lares Insurance Services. However, the rate you pay is not as important as having the RIGHT coverage.

1. Find 3-5 independent insurance agencies near you

2. Call and interview them, ask them questions like “what makes you different than the masses?” and “what services and value to you bring to the table”

3. Once you find someone that you are comfortable with, make an appointment, and ask them to provide you with a need analysis and what policies and coverages you need in place.

Will my auto insurance cover other drivers?2025-06-19T21:41:43-07:00

The most popular term in insurance is “it depends”. There is no way to make a blanket statement that will cover ALL insurance policies. To find the most proper answer for this question, you must look to your insurance policy.

Most preferred insurance policies operate under the term “Permissive Use” This means those people, that are not directly excluded from your policy and have your implied permission to use your vehicle are covered on your insurance policy.

Typically, if someone is a licensed driver in the home, or has regular access to the vehicles, it is best to list them on the policy. Check with your insurance agent or review your policy to find out the details of your coverage.

When should I file a claim?2025-06-19T21:41:11-07:00

No one looks forward to “filing a claim”. But this is why you have insurance right?

Here is what you should do prior to filing your claim.

1) Make sure you’re in a safe location. If you’re involved in an auto accident, do not look to file a claim from the road. If you’re home is damaged, make sure you’ve stopped the threat of further damage. i.e If you’re pipes have burst, make sure the water is turned off and no further water damage can take place.

2) Evaluate the damage and compare it to your deductible. Ask yourself this question, “Is it better to come out of pocket and self insure this damage, rather than filing a claim on my insurance and risking the rates going up for 3-5 years?” Here is a good example of that, if you’re involved in an at fault auto accident, and the damage to your car is $850 to fix, but your deductible is $500, does it make sense to file a claim, or to pay the $350 extra out of pocket and maintain a clean driving record?

Why do I need uninsured motorist coverage, isn’t it a law everyone has to have insurance?2025-06-19T21:40:30-07:00

An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

Often drivers that carry low auto insurance liability limits do not have many assets to protect. So in the event that you or someone in your car is badly injured by another driver and they have inadequate auto insurance liability limits there is nothing to gain by suing the driver.

In that case you can put a claim in under your own insurance policy for uninsured motorist insurance coverage, uninsured motorist insurance coverage is a relatively inexpensive coverage that is extremely important.An often-misunderstood auto insurance coverage is uninsured/under-insured motorist coverage. This coverage protects you and the people in your car in the event another driver hits you with inadequate (under-insured) insurance coverage or no auto insurance (uninsured) at all.

How do I lower my insurance?2025-06-19T21:39:45-07:00

There are five common ways to lower your insurance.

1) Are we bundling all of your policies together? If you only have one line of insurance with us (auto without home or renters, and vice versa) you’re probably paying more than you need to. Putting everything together in one place is a great way to reduce your premium on each policy.

2) If you have any young drivers in the home, they may qualify for a “good student discount” if they have a high school GPA that is 3.0 or better

3) If you’re insuring some of your household vehicles on different policies, you could be paying too much. Having all of your cars together gives you a multicar discount

4) What do you do for a living? Certain occupations like: Police officers, firefighters, teachers and educators, registered nurses, scientists, and those with a four year college degree qualify for certain occupational discounts.

5) Does your home or car have an active alarm? Having one can also reduce the premiums on your policies.

Don’t see your question? Contact us.

AA Lares Insurance Services

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