Sales Associate

California

At the Liberty Mutual office in San Diego, trained local agents can help you find the coverage you need, and the discounts you deserve. Our San Diego office is located in the Kearny Mesa area, off of Ruffin Rd.Since 2002 our office has proudly served Mission Valley, downtown San Diego, Point Loma, Kearny Mesa, Mira Mesa, Chula Vista, Santee, Coronado and La Jolla.Causes close to our heartsOur representatives participate in a number of community activities including:<ul><li>Participating in the San Diego and Hispanic Chambers of Commerce.</li><li>Volunteering at local organizations through our Serve with Liberty program.</li></ul>Talk to a Liberty Mutual Agent TodayContact a sales representative today to learn more about which auto insurance, home insurance, and life insurance options are best for you and your family.

San Diego, CA

Thank you for taking the time to leave us feedback. While I understand you are disappointed with Liberty Mutual’s service, this is a local sales office and may not be the best to address your specific concerns. If you’d like additional help with service, please call the Service Team at 844-266-4213.

My automatic payments increases very month WITHOUT giving me and explanation.  I have tried several times to contact someone, it takes FOREVER to get anyone to respond and by the time they do , I am already busy with work or something else.  DO NOT GET THIS INSURANCE!  It’s scam!

We’d like to thank you for taking the time to write this review. Every bit of feedback like this does so much to help us out!

I wonder if Liberty Mutual realizes that all those YOUNG PEOPLE in their commercial live with their parents and don't need homeowners insurance. That commercial is mind numbing.

Terrible. I have such a long list of complaints.  Being insured in my house and autos I expected to be treated so much better.   Unfortunately I had 2 claims   Neither our fault.   We are so tired of terrible customer service.  Both of our adjusters again not one good thing to say   Oh and our policy continues to skyrocket.  Well you have lost our business

The WORST of the WORST

If I could give NEGATIVE stars, I would!!!  IMPOSSIBLE to get anyone on the phone, they would not update a policy unless it was "manually" updated.  They told us two days.....a week later....and 38 minutes on the phone, I was disconnected.   PATHETIC.....and Covid is NO EXCUSE for this kind of Customer Service.....or lack thereof!!!

ZERO STARS if i could...currently on rental insurance claim on a bedroom waterleak from upstairs tenant,, its been 12 days waiting for approval of hotel to @ least sleep in..meantime i been stress out figuring out where im going to stay another night, i dont have funds to pay for hotel then get reimburse later so im waiting on this APPROVAL for lodging which my policy clearly states im qualify for...rude customer service with a taje or leave mentalith....i regret deeply choosing this company...dont say i didnt warn you....i probably get my apt fix and ready before any approvals SMH

No dedicated agent to help, had several issues I asked to be elevated and never heard another thing and talked down to when they supposedly updated the address for insurance Impounds and they updated the ne of the new mortgage company but not the address and then told me that they can only send the bill to the address they have - they were provided the new address but apparently only updated the name and somehow the insured was at fault!? When the name of the mortgage company is correct and the address is for the previous mortgage company it is their lack of completion of inputting the new information.

Called. Phone was Answered quickly. Knowledgeable, helpful agents. Good prices, highly recommended

My vehicle was involved in an accident over 10 weeks ago. I have been trying to work with this company to have my vehicle repaired. This company is a scam. No one has been returning my calls. I can not reach a human. They have not been coordinating with the auto body shop that has been working on my vehicle. In addition to this they also cancelled my rental car reservation and created a different reservation after I received the rental car. As a result I was billed hundreds of dollars from the rental car company. I can not get a hold of an adjuster or management representative.

After receiving such horrible service from this company I will absolutely be switching to AAA. Liberty Mutual is a total and complete waste of money. You truly find out the value of insurance when you have an accident and this company has turned by fender bender into a complete nightmare. Never again     will I utilize a company that demonstrates such a complete lack of professionalism, care, or concern for their customers.

Thank you for your positive review! This kind of feedback motivates us to continue exceeding quality standards.

Horrible Appalling services and communication. I paid for the whole year from 6/17/20-6/17/21. They sent me a bill for $40.78 in May 2021 and if I don’t pay it my policy will be canceled.I called the billing for the notice and spoke to Chris. He said that I was put on monthly charges for $4 fees however I paid The Upfront for the whole year.  I’m going to file complaint with insurance Department.

Watch out if you start a policy and need to cancel it if you own a business. They will tell you they never received any cancelation form. They will try and tell you ever little thing possible and its all BS. Go elsewhere, trust me

Between home & auto I spend over $2600 per year with this company.  I recently had a flood in my home caused by the HOA.  Due to this fact I was told that Liberty was not responsible for any payments to restore my home.  When I tried to get them involved to at least mediate the situation I found that I was doing most of the work.  It has now been over four months, I have had to take money from one of my retirement accounts to pay for the damages (still not done but ran out of money), and when I called and emailed Liberty Mutual with an additional question I had, I got no response.  Save yourself the grief and look elsewhere for insurance.

I appreciate the customer service when I called for assistance.

Michael Kiefer is amazing to work with, very responsive in answering my questions and making sure all my insurance needs are met.  You will be very happy you made the call.

If you are military, I suggest checking out geico. Liberty mutual charges quite a bit of money for the same coverage. For an example, I wanted to cover two vehicles with a $500 deductible, rental car, and emergency services. Geico only charged me $215. That is with a speeding ticket from 2 years ago. Liberty mutual however, wanted to charge me $348 minus rental coverage and emergency services.

Pretty average service for an insurance company. Nothing special.

Terrible cust service. Cust service rep was rude and had incorrect info.

Their anti-customer service at liberty mutual. And they continue to be but they speak English

Customer service unfamiliar with basic insurance inquiries

worst lying thieving company no integrity just wants money and changes your policy without your consent to get more money out of you, will not cover losses on a claim

Awful service the worst insurance company I ever dealt with -5 star is what they deserve

Pretty rough service, I could barely muster a quote out of them on my car...

Worst possible company to handle a claim. Terrible people who do everything they can to string you along without settling a claim.

The worst customer service I have ever experienced. They continue to increase my home owner's insurance with no notification or reason at all. I left several emails for them to contact me and i have yet to receive a phone call from anyone at their office. I will be shopping around for a new company immediately. Stay away from this company if you know what is good for you.

I'd give half a star if I could. The WORST customer service I've literally ever experienced. I have been trying to get help for 2 WEEKS. I've sent emails and left voicemails for multiple people and no one has said a word in response. As soon as this claim is settled, I'm switching insurance companies.

Online

At Liberty Mutual, our local sales agents help you find the coverage you need and the discounts you deserve. Agents in our local sales office proudly serve their local communities in CA, HI, ID, OR and WA. Contact an agent today to learn more about auto, home, life and pet insurance options. If Liberty Mutual isn't a good fit, our agents can quote other carriers, too!

Pacific Region Virtual Agents

Steve makes the insurance experience easy.

Steven reached out to me directly and was able to quote me an even lower price than the online quote itself, Thanks for always looking out!

Thank you for the 5 stars, Kelvin H Nguyen!

Thank you for the 5 stars, Rickard Westerlund!

Hi Janie Anguiano, thanks for leaving such a positive review!

I’m new to San Diego and not knowing where or who to call for the purchase of my new home and where to get homeowners insurance I was directed to Steven Gininger. The entire experience from beginning to end has been great!  I called Steven and explained my situation and my needs and he immediately got to work and gave me options that fit my needs. I now have insurance and peace of mind that I am working with a professional that follows through and is accesible whenever I have questions or concerns    .  Great experience!!

Hi kishore sakthikumar, Thank you for taking the time to leave us a review.

Steven has been trusted ally when it comes to insurance. I have known him for past 6 years and he has been very helpful and knowledgeable when it comes to insurance. His recommendations on insurance and various policies helped me to a great extent. I strongly recommend him if you need an insurance agent who understands your needs and be helpful.

Hi Craig D, that's great to hear! Thank you for the 5 stars, Craig D!

Richard Barboza, we are so glad that you enjoyed your experience. Thank you for your business!

Steven was responsive, informative, and helpful.  He made the process of buying insurance easy. Haven't had a claim yet, but will update when/if I do to comment on how smooth the claims process goes!

Thank you, Todd Bell. This review made our day!

Steve and his team were fantastic! Competitive premiums, great service, easy set up. I recommend him to everyone I know!

Allen Ehrlich, we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

Excellent service, follow-up and timely on getting me a condo policy when my prior company raised rates 10x.

Hi Roller Snow, that's great to hear! I wish you all the best.

Best insurance services I've ever had. Always on top of it and not only get it done on a complicate case, but also educational and informational. Highly recommend without reservation.

Hi Sabine Kepler, Thank you for taking the time to leave us a review.

Great communications and explanations of Insurance details that I needed for my purpose.

Steven was a great help in getting insurance for both my house and vehicles.  Thanks for everything!

We put customer experience and satisfaction as our priority, and your review reaffirms the work we put in every day. Thanks for your kind words, C de Luca!

I have been working Steve for 8 years now and I can’t say enough good things about him and the level of service he provides. Example, I texted him this morning about changing coverage on one of my policies and literally seconds later the change was made and he sent proof coverage minutes later. This is rare in a world of call centers and automation. We go to him for all our insurance needs and will continue do so. I highly recommend Steve for your insurance needs.

Thank you for the 5 stars, JEWEL ROBERTSON!

Hi, Jennifer Harris! Thank you so much for taking the time to leave us this amazing review.

Steven Gininger and Julie Xiong provided me excellent customer service! They were very responsive, informative, and personable. They ended up handling all of my insurance needs - auto, home, landlord, and umbrella.

Thank you we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

I have been dealing with Steven Gininger for 15 years now, and I have never had a single reason to question his honesty or integrity.  And my day job involves spending a lot of time trying to do just that, and in all this time I have worked with Steven I have not once detected a single ripple in the "Wah" so I can guarantee you the guy is as trustworthy as they come.

Thank you for the 5 stars, Raul Hernandez!

Hi, Ben Salom! Thank you so much for taking the time to leave us this amazing review.

Steven assisted me with purchasing home insurance for my first home as well as bundling auto insurance to maximize savings. He is a great resource and truly seems to appreciate my business. Working with Steven has been a great experience while I have been navigating the new territory of my my first home purchase.

Stephen Kam, we are so glad that you enjoyed your experience. Thank you for your business!

Steven is very knowledgeable about auto and home insurance, and is an excellent advisor to his client's on making sure that they are adequately covered. I have been pleased with Liberty Mutual for the past decade, and would also recommend Steven's services to others.

Thank you for the 5 stars, Thomas Murray!

Thank you for the 5 stars, Jennifer Barajas!

Working with Steven to move our home and auto insurance over to Liberty Mutual was phenomenal! The process was straightforward, we saved money, and we even improved our insurance coverage. I can't recommend Steven enough for his help and expertise with our insurance needs.

Thank you for the 5 stars, Nicole Saewitz!

Erik Stone, thank you for your review. We appreciate your business!

Steven is the best! Knowledgeable and patient.  Highly recommend.

Hi, lauren abrams! Thank you so much for taking the time to leave us this amazing review.

Steve kept in touch and worked hard to come up with a great plan that met our insurance goals and came in at a cost far below what we had been paying for less coverage. I would encourage anyone with insurance needs to reach out to him for a review of coverage and costs.

Sanket K, we are so glad that you enjoyed your experience. Thank you for your business!

Helped select insurance. Provided good guidance on which services to pick.

Thank you for the 5 stars, Amanda Reddick!

Hi, Laura Sanford! Thank you so much for taking the time to leave us this amazing review.

Steve is exceptionally professional, educated, and easy to work with. He continues to keep us informed and we know he's always a quick call away should we need anything. Thank you for the great service Steve!

We put customer experience and satisfaction as our priority, and your review reaffirms the work we put in every day. Thanks for your kind words, TC Millan!

Steven is an excellent representative. He is attentive, and seems to enjoy helping his clients make the best decisions.  Thanks Steven.

Thank you for the 5 stars, Timothy Cave jr!

Zina Schlachetzki, we are so glad that you enjoyed your experience. Thank you for your business!

Good rates, quick response, company recommended handled our claim very well.

Thank you for the 5 stars, Scott MacDonald!

Thank you, Pouya Safa! Thank you for the 5 stars, Pouya Safa!

Thank you for the 5 stars, Brian Lazarus!

Hi, Talia Thompson! Thank you so much for taking the time to leave us this amazing review.

Steven was super helpful for all my questions and made the chore of finding reasonably priced insurance so much easier. Much appreciated.

Steven was extremely helpful in reviewing all of my policies for my primary residence and investment properties as well as my auto policies.  His rates were competitive and he made smart recommendations on how to enhance my coverage and control my costs.  He is definitely very experienced.

Steven is the best agent I've ever worked with. He explains everything very thoroughly and takes time to make sure we look at all scenarios and cases and explains each one in detail. I highly recommend working with Steven!

Liberty Mutual insurance provided a prompt and good value service for my insurance needs. I have my home and car insurance with them and their amounts covered, as well as deductibles are reasonable.

Prompt and professional service are the hallmarks of an outstanding insurance agent. Thank you Steve and Liberty Mutual!

Steven was an immensely supportive and informative asset when getting our insurance squared away after moving from out of state!

Steve is awesome, I highly recommend. He has great low auto insurance rates

I was looking to replace my previous agent that was not very attentive.  I was introduced to Mr. Gininger and from our first chat, I could tell he was really looking out for MY best interest. He has a very calm and grounded personality, and he helped me figure out the best policy for me and described the pro's & co's of the different options.  I felt like a totally informed consumer.  I am grateful for his wisdom and suggestions.

Thank you for the 5 stars, Damien Pietak!

Steven really helped me to get insurance after my insurance was charging me twice a month and etc he helped me get a good quote with the most coverage thank you very much

I called Steven not knowing anything about insurance and he broke it down for me in terms I could understand. (Thank God!) He got me great coverage for both of my properties and my car at an affordable rate. He was very knowledgeable and I didn’t have to guess how much coverage I needed for what, he lead me in the right direction and I feel much more confident about my insurance coverage now than I ever have before. Thanks Steven!

Steven is professional, knowledgeable, has great follow though, and a excellent skillset to help resolve his clients concerns. He has a unique ability to simplify complex issues and provide clear advice to help his clients make informed choices. And he also saved us a lot of money! I recommend Steven to anyone looking for a better option for their insurance needs.

Steven is a great guy who looked after my best interests and looking out for my family and I.  What started as home insurance ended up being automotive and will be eventually life insurance.  If you looking for someone that actually cares Steven is your guy!!!

Mr.Steven did a superb job on getting me a quote for my house insurance. He manage to give me the lowest from all the other insurance company like (geico, safeco and usaa). Even after closing the deal with me he still keep in contact with me making sure my move was smooth. Really appreciate your help!

-Max

Brent, thank you for taking the time to leave me this review. I am glad we were able to take care of your insurance policy and please do not hesitate to reach out when I am needed!

I know there are a lot of very good insurance folks out there but Steven has to be up there with the best.  Very easy to talk to and not forceful but also gives options I hadn’t thought about.  All very quickly and professionally.  And it helps he has over a decade of experience.  Just a very good person overall.

Raad Tadros, we are so glad that you enjoyed your experience. Thank you for your business!

Steven helped us with securing an homeowners insurance policy and in the process of obtainable an auto insurance policy.  It was one of the easiest transactions I’ve completed.  He was very thorough and knowledgeable of the products and services he had to offer.  He was also very responsive to any questions we had.  I highly recommend speaking to Steven with any of your insurance needs.

My Doctor Weight Loss, we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

Excellent and knowledgeable agent, really helps you understand insurance and protects your assets.  Very good competitive quotes and service and explains what is best for you.

Hi, Roland James! Thank you so much for taking the time to leave us this amazing review.

I am very satisfied with the effective, competent, and prompt services Steven provides.  He listens to my financial risk management needs and provides information and insurance policies (3) that meets my wife and my requirements.  Thank you very much!
Roland James Roaches

Thank you Steve and team for your great and prompt service.

Sam Cila, thank you for your review. We appreciate your business!

I have purchased multiple polices from Steven and could not ask for more.  He went above and beyond to make sure my family got the best rates for home and auto while making us comfortable and stress free through out the process.  Steven always makes himself available to address any questions or concerns.  I feel like he is more of a friend than an insurance agent!  Steven has my 100% recommendation to handle any of your insurance needs.

Nick Ulery, we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

I lost my home insurance due to an unfinished remodel. When the insurance agent came to inspect, windows and a door weren’t installed, so they canceled us. Steven quickly found us another company to work with. He found us the best rates as well when compared to a couple other companies. He came highly recommended from our lender, and he definitely saved us some money.

Thank for taking the time to leave me this positive review Pamela, truly! Although it may be difficult to find coverage in high fire risk areas, me and my team are dedicated to finding coverage for clients. Thank you for trusting me through the process of purchasing your first home and even insuring your classic cars!

Homeowners insurance was what I was in the market for when I was purchasing a house in August. The house was in a high fire area.  Steve Gininger of Liberty Mutual Insurance & his staff knew exactly what to do since, as we all know it's difficult to insure a house in certain areas.  He & his staff were very helpful in explaining the insurance situation in high fire areas and how it works.  I appreciated everything they did,  since I was a first time home buyer.
When I mentioned to Steve that I had a couple of classic cars, he informed me that he also could help me with Hagerty Car Insurance. Exactly what I was looking for to insure my cars.  When I got settled, I reached out to his office, and Julie was to help me  to insure my cars.    Thank you to Steve & his office staff for assisting me with my insurance needs now and in the future !
Pamela Barron Burns

Thank you Mary! I am happy to hear you were pleased with my service and even happier we could insure your home!

Steven has been extremely helpful and responsive when we were searching for different types of insurance policies: home, earthquake, jewelry. He is friendly and very responsive. Extremely easy to work with.  Highly recommend working with him and Liberty Mutual!

Kalani Porter, we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

Steven is a fantastic Agent! He is very knowledgeable, responsive and easy to work with. Not to mention he offers the best rates for insurance! Steven helped quote home insurance for me for eight months as I fell in and out of escrow on different properties. Each time I called Steven he had the best response time and offered the best rates. I will definitely continue to use Steven, and I highly recommend you reach out to him for all your insurance needs!

Jennifer Dixon, thank you for your review. We appreciate your business!

Steve is professional, efficient, and honest!

Great experience working with Steve to bundle our homes and auto.

Huan Trang, we’re so glad you had a good experience. We look forward to serving your insurance needs for years to come!

Steven is a true professional. Great communication, very knowledgeable, professional and responsive. I've had a great experience with Steven and will continue to recommend his services to family and friends.

Dulce Angulo, we’re so glad you had a good experience and could have helped with your home insurance! We look forward to serving your insurance needs for years to come!

We initially were looking around for just home insurance when we contacted Steven. He was very friendly, helpful and thoroughly explained everything. Without any pressure he gave us information about car insurance as well. He answered all of our questions and we decided to switch to Liberty Mutual, we got better coverage and we even saved money. We will definitely recommend Steven to our family and friends, he's easy to talk to.

Julie Jones, thank you for your review and we are glad to have helped. We appreciate your business!

Steve
Helped me on the fly and took the time to get me best rates…. Perfect professional gentleman..
Thank you
Julie

Thank you for the 5 stars, Roquelle Mickles! I am glad to have been able to earn your trust and business!

Steven called me after I had already received and finalized on a quote with a previous customer service representative. He was so kind to give me a call and let me know, that essentially we could do better. He did his homework before he called me and set me up with the best policy to fit my needs and my home. He was professional, efficient, and provided me with amazing customer service. I would recommend Steven.

Thank you for the 5 stars, David Albrecht!

Steven has been great to work with - he took the time to help me understand what exactly I was buying (with umbrella, auto, and renters insurance) and made sure to answer every question I had. Looking forward to continuing getting insurance from him!

I’ve been working with Steven for almost ten years since I moved to San Diego and he is very knowledgeable, professional and personable. He has always recommended policies that are a good fit for me and I trust his guidance. Highly recommend.

Thank you, Faith Thulin! We were happy to assist!

Steven was very efficient and helpful! He also gave great advice.

Thank you for the 5 stars, Seth Belitsky!

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