Insurance built on relationships
Independent Downey broker since 1999, comparing 30+ carriers for local families and businesses in English, Spanish, and Arabic.
Our mission, values & promise
We make insurance simple and transparent by doing the heavy lifting: shopping multiple carriers, explaining coverages in plain language, and advocating for you at claim time.
Clarity over jargon
Plain-language guidance, not insurance speak. We make it easy to understand what you're buying.
Real responsiveness
Local team, not a call center. We answer, we call back, we follow up.
Unbiased options
No brand quotas. We work for you, not one company, so you get honest recommendations.
Claims advocacy
Guidance through the process and follow-up — even after hours if needed.
Built like a broker, not a call center
Our job is to understand the risk, shop the right carriers, explain the tradeoffs, and stay available after the policy starts.
Review your real situation
License status, vehicle use, current coverage, home details, business operations, or SR-22 needs.
Shop carrier appetite
We compare carriers that actually write your risk instead of forcing every client into one company.
Bind coverage and service it
Same-day ID cards when available, electronic SR-22 filing, renewal checks, and claim guidance.
Have what you can. We can work with the rest.
Quotes move faster when we can verify the basics. If you are missing something, call anyway.
- Driver or owner details
- VIN, registration, or property address
- Current declarations page if available
- SR-22, no-license, or business-use details
From a small Downey office to 30+ carrier partners
We opened our doors on Paramount Blvd in Downey in 1999, when the Southeast LA community needed a local broker who would compare options honestly instead of pushing a single company's policies. Over 25 years, we have helped thousands of Downey-area families and businesses find the right coverage for auto, home, life, and commercial needs — including SR-22 filings, no-license auto programs, and commercial fleet policies.
Our roots are in the Downey community. Downey and the surrounding Southeast LA cities — Norwalk, Bellflower, Cerritos, Lakewood, Paramount, South Gate, Pico Rivera, Montebello, Lynwood, Whittier, and Commerce — make up one of the most culturally diverse, working-class corridors in Southern California. Many of our clients are first-generation immigrants, small-business owners, or families for whom insurance has historically been confusing, expensive, or inaccessible. Our ability to serve clients in English, Spanish, and Arabic was not an afterthought — it is central to who we are.
Independent brokerage means we are not tied to any single insurance company's products, pricing, or sales targets. Every client who walks through our door or calls our Paramount Blvd office gets an honest comparison across our full carrier network. We have seen the Southeast LA market through major events — rising uninsured rates, carrier exits, regulatory changes, and economic cycles — and that long view shapes how we advise our clients. We know which carriers consistently pay claims fairly, which offer the most competitive rates for specific driver profiles, and where gaps in coverage most commonly catch families off guard.
Original Insurance is a Black- and Latino-owned independent brokerage. Our office is wheelchair accessible, LGBTQ+ friendly, and a transgender safespace — because the people who walk through our door deserve to feel respected before they even sit down. We have always served clients who were turned away or underserved elsewhere, and that commitment has not changed in 25 years.
Today we serve clients across California — in English, Spanish, and Arabic — with the same personal service we started with. If you're looking for auto insurance in Downey, our local knowledge of Southeast LA's roads, freeways, and driver profiles means we know which carriers price this market competitively.
Founded
Original Insurance opens in Downey, CA with a mission to offer unbiased, multi-carrier coverage.
Expanded
Carrier network grows significantly. Commercial lines added — general liability, BOP, workers' comp.
Digital
Digital services launch — eID cards, text support, email quotes. Faster than ever.
Thriving
30+ carriers. Thousands of families and businesses served across California, in three languages.
Our Downey office on Paramount Blvd
Walk-ins welcome. Street and rear parking available. Bilingual staff on-site. Same-day quotes and SR-22 filings.
Independent broker vs. single-carrier agent
We work for you, not one insurance company. Here's what that means:
 Us (Broker) | Single-Carrier Agent | |
|---|---|---|
| Carrier options | 30+ carriers | One company only |
| Price comparison | Side-by-side quotes | One price, take it or leave it |
| Advice | Unbiased, for you | Tied to their brand |
| Claims help | We advocate for you | Varies |
| Languages | AR · ES · EN | Usually EN only |
| Switching carriers | Easy — we find better | You start over |
Licenses & Affiliations
Licensed by the California Department of Insurance since 1999, and proud members of local and national industry associations.
CA DOI Licensed
California Dept. of Insurance
IIAB Member
Independent Insurance Agents & Brokers
BBB Accredited
Better Business Bureau
Downey Chamber
Member of Commerce
What to expect when you call
We know your time is valuable. Here is what a typical first interaction looks like.
A real person answers
When you call our Downey office at (310) 538-8666, you speak with someone who knows our carrier network — not a scripted call center representative routing you to a queue. Most calls are answered within one ring during business hours.
We gather the basics — no guesswork
We ask for vehicle details, driving history, current coverage, and any specific needs like SR-22 filing, no-license programs, or commercial coverage. Ten minutes of information gives us enough to run accurate quotes across 30+ carriers.
You get real options, explained plainly
We walk through the top options in plain English, Spanish, or Arabic — whichever you prefer. No pressure to choose on the spot. We explain the difference between minimum liability and full coverage, what each deductible means in practice, and which carriers have the strongest local claims reputation.
Same-day binding and ID cards
When you're ready, we bind the policy and issue electronic proof of insurance the same day. SR-22 certificates are filed electronically with the California DMV within hours of policy binding — so your reinstatement is never delayed by paperwork.
Downey families trust us for decades
We don't just sell policies — we build relationships. These are real words from long-term clients.
“I've trusted Aiman for over 23 years — auto, home, fire. He always finds the best rates.”
“The best ever. Very helpful, I've been with them for about 20 years. You won't find a more friendly company.”
“I've been a loyal customer for over ten years. Their customer service is consistently amazing.”
Ready to work with a real broker?
Get a personalized quote from someone who puts your needs first - compare 30+ carriers in one conversation.