All drivers need insurance for their vehicles. And there are many different auto insurance providers, including companies selling coverage nationwide as well as smaller insurance agents that service local markets.
Baja Auto Insurance is a smaller local company that helps people find insurance coverage. Baja doesn't offer insurance itself, but instead shops around with many different carriers to find the right coverage for its customers.
This Baja car insurance review will help you decide if it’s the right option for you.
What is Baja Auto Insurance?
Baja Auto Insurance was founded in 2006 in Buckner, Texas, based on the belief that affordable auto insurance should be available to everyone — even if their driving record isn't necessarily perfect. The company is affiliated with Freeway Insurance and is a member of the Confie network. Confie is among the top consumer insurers in the U.S.
Baja doesn't issue insurance policies. Instead, you can work with an insurance agent at the company who will help you shop around for multiple insurance types, including auto insurance, motorcycle insurance, and renter's insurance.
Baja’s network of 59 full-service agents helps policyholders get the protection they need. Its agents are even willing to work with hard-to-insure drivers, including those with a history of accidents, tickets, and drunk driving arrests. If you are having trouble finding affordable coverage on your own due to your driving record, Baja might be able to help.
What insurance products does Baja offer?
Baja does not provide insurance, but it helps you find coverage from trusted insurance providers. It can assist you in getting many kinds of insurance, including:
- Auto insurance: Provides protection in case of accidents, theft, or other common hazards
- Motorcycle insurance: Offers protection in case of theft, accidents, and other common mishaps
- Renters insurance: Offers coverage for a renter's personal property and liability coverage in case someone gets injured on their property
- Tire hazard protection: Offers coverage for tire punctures due to nails, potholes, glass, or other items
- Paintless dent repair: Offers coverage for dings and dents
Baja indicates it can help keep costs low for each of these insurance options by shopping your policy with many different carriers. Just make sure you research the right car insurance types to get the full coverage you need to meet state insurance requirements.
How does Baja Auto Insurance work?
Baja works with a network of affiliate and external marketing partners. If you are interested in coverage, you will need to provide some basic information online. Baja will then offer insurance quotes in a matter of minutes.
By providing your contact details, you consent to be contacted at your phone number by voice call or text, even if you are on a do-not-call list. You also have the option to visit one of the 59 full-service Baja agents in the Dallas/Fort Worth area. Your agent can help you identify your insurance needs and potentially find a suitable carrier and coverage.
Because Baja shops your information around to different insurance partners, you might be able to find a lower rate for coverage than you would if you worked directly with an insurance company. In fact, Baja claims that customers could save up to 25% on coverage.
How to maximize your savings with Baja
In addition to helping you shop around for coverage and compare auto insurance quotes, Baja also offers potential discounts to help you save money on car insurance. Examples of savings opportunities that you might be able to take advantage of include:
- Multi-policy discounts
- Good driver discounts
- Student discounts
FAQs about Baja Auto Insurance
Is Baja a good company?
Baja has been helping drivers find insurance since 2006. While it is not accredited by the Better Business Bureau (BBB) and has only a B- rating, it has only one consumer complaint on the BBB over the past 12 months.
Its sister company, Freeway Insurance, has an A+ rating with the BBB. Both Baja and Freeway are part of the Confie network, a leading provider of consumer insurance in the U.S.
How long does it take to get a policy with Baja Auto Insurance?
Baja prides itself on providing timely auto insurance quotes. You can provide your information online, get quotes back, and apply for coverage with your chosen insurance carrier — all within just a few minutes.
When you're trying to figure out how to get car insurance, you may also want in-person help. Baja provides that to Dallas/Fort Worth customers through its network of agents. If you prefer this route, it will take longer to go into the office and work with your agent to get the perfect coverage.
What types of coverage does Baja Auto Insurance offer?
Baja doesn't provide coverage itself, but instead connects customers with its network of insurance carriers. Baja can help you find different coverage options, including:
- Auto insurance
- Motorcycle insurance
- Renters insurance
- Tire hazard protection
- Paintless dent repair
How do you contact Baja Auto Insurance?
You can contact Baja by phone or visit one of its offices in person.
The Baja customer service number is 844-237-4184, and the number to get insurance quotes is 800-401-6870. You can also find a local office by inputting your zip code on bajaautoinsurance.com or send the company mail to:
Freeway Insurance Services, Inc.
P.O. Box 669
Cypress, CA 90630
How to get started with Baja
If you want to get covered through Baja’s network of insurers, you can start by setting up an appointment with a local agent or completing the company's online form. You’ll need to provide the following information:
- Type of insurance options you are interested in
- Zip code
- First and last name
- Email address
- Telephone number
- Garaging address
- Date of birth
- Marital status
- Number of driving violations or accidents
- Whether you require an SR-22
- Details about any additional drivers
- Vehicle year, make, and model
- Primary purpose for which you use your vehicle
- Number of days your vehicle is used
- Number of miles driven
- Whether you own or lease your vehicle or have financed it
- Type of coverage you want, including standard or recommended coverage
- Whether you qualify for discounts, such as a good student or homeowner discount
Within a few minutes of completing the online form, you'll receive several insurance quotes. Some insurers will allow you to complete the process online, and others will refer you to an agent who could help you with buying insurance coverage.
How to cancel Baja Auto Insurance
Baja connects you to insurers in its network. You could cancel directly with the insurance agency or company you ultimately get coverage with or contact Baja customer service to get help canceling your policy.
If you're canceling coverage, FinanceBuzz can help you quickly compare auto quotes online. Remember, you should get a new policy in place before canceling your old one to avoid a lapse in auto insurance coverage.
Baja lets you compare car insurance coverage from a network of insurers, but its network is local to the Dallas/Fort Worth, Texas area, so it’s not the best option for everyone. While it may be convenient if you’re a Texas resident, you will likely need to shop for coverage elsewhere if you live outside that area.
Check out our picks for the best car insurance companies if you’re shopping around for coverage with competitive rates.