Step 1 of 4
Understand your needs
Tell us what you want to insure and whether you're buying for the first time, replacing a policy or reviewing a renewal. If you have a declarations page, send it. It makes comparison much easier.
Independent agency
About ChaCha Insurance
We're an independent insurance agency based in Chatsworth, California. We compare policies from the insurance companies we work with and explain the differences in plain English, so you can choose with confidence.
Our philosophy
We work for you, not for one insurer. We compare policies side by side and stay with you after your coverage starts.
Why ChaCha
What it's like to work with us
Questions before quotes
We start by listening. Your car, your home, your family, your business and your budget shape every recommendation we make.
Plain-English explanations
Insurance has its own language. We translate terms like "actual cash value," "underlying limits," and "loss of use" into what they mean for you.
Choice across companies
Because we're independent, we can look at more than one insurer. That gives you room to balance price, coverage and service.
Help that continues
Adding a driver, moving, buying a boat or reviewing a renewal? Contact the same agency that helped you buy. We'll help you understand your policy and the claims process with your insurer.
How ChaCha works
How we help, step by step
Step 2 of 4
Shop the market
We request quotes from the insurance companies we work with in your state and organize them so price and coverage sit side by side.
Step 3 of 4
Put your policy in place
When you pick an option, we help with the application and confirm when the insurer has issued coverage, so your start date lines up with your closing date, purchase or lease.
Step 4 of 4
Review and follow up
Rates and lives change. We're happy to review your coverage at renewal or whenever something big happens.
Get to know the agency
Already a client? Contact us for help with an existing policy.
An independent agency is licensed to sell policies from more than one insurance company. That's different from a captive agent, who usually represents a single insurer. Because an independent agency isn't tied to one company, it can compare prices and coverage from the insurance companies it works with. The company you choose still issues the policy and pays claims.
Individuals, families and small businesses looking for types of insurance: auto, home, renters, condo, flood, boat, life, health, pet, umbrella or business insurance. Whether you're buying your first policy, replacing one that no longer fits or reviewing a renewal that went up, we can help you compare your options.
Insurance availability depends on your state and the type of coverage, so tell us where you live when you reach out.
No. You can ask us to review one policy or all of them. You decide what to change, if anything. Many people start with one policy, like auto and later ask us to review their home or renters coverage too. Keeping some policies where they are is fine and there's no obligation to switch anything we review.
Yes. Call us or send a message through the Contact page. We're happy to answer questions with no obligation. An agent can explain your options, walk through your current declarations page or tell you what information a quote will need. Asking questions doesn't start or change any policy.
You can look up any insurance agency or agent through your state's department of insurance.
The insurance company named on your policy documents issues your coverage. ChaCha is the agency that helps you choose and manage it. That company sets the final price, pays claims and is responsible for the terms of your policy. We help you compare companies before you buy, explain the documents and stay available for changes and questions afterward.
Let ChaCha do the shopping.
Tell us what you need to protect. We'll compare your options and explain them clearly. Free, with no obligation to switch.
