California Licensed P&C Brokerage
Insurance you can afford — even without a down payment.
LumiQuote partners with financial assistance lenders to cover your full 6 or 12-month policy upfront. You get coverage today and repay the lender in smaller monthly payments — with no installment, EFT, or in-store fees.
How down payment financing works
The lender pays your premium in full directly to the carrier. The broker (us) gets paid. You repay the lender in low monthly installments — often less than the carrier's own monthly billing.
No Down Payment? No Problem.
We work with financing partners who can approve you for a loan that pays your entire 6 or 12-month policy upfront.
Smaller Monthly Payments
You repay the lender in lower installments than carrier monthly billing — keeping more cash in your pocket.
Zero Hidden Fees
No installment fees. No EFT fees. No in-store fees. What you see is what you pay.
All P&C Lines
Personal and commercial. One broker, every line of property & casualty insurance you need.
Every line of P&C insurance
Personal and commercial coverage — quoted across multiple carriers to find you the best price.
- Auto Insurance
- Homeowners
- Renters
- Commercial Auto
- General Liability
- Workers' Comp
- Motorcycle / RV / Boat
- Umbrella & Personal Lines
Ready for a quote that actually fits your budget?
Tell us what you need to insure. We'll shop your rates and walk you through your financing options.