Pacific Pioneer Auto Insurance Review (2020)

Pacific Pioneer auto insurance is offered in 12 states. Pacific Pioneer Insurance Group has a financial rating of B+ from A.M. Best and has been in business since 1980. The company also writes home and commercial insurance policies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 12, 2020

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Company Details
Address: 6363 Katella Avenue
City: Cypress
State: CA
ZIP Code: 90630
Phone Number: 1-800-222-5582
Year Founded: 1978
AM Best Rating: B+
Company Rating 0 (0 reviews)

Things to Remember

  • Pacific Pioneer Insurance Company was founded in 1980 for Chinese immigrants
  • The company is fronted by Lin W. Lan and it is America’s largest Chinese independent insurance agency
  • The company has received a favorable rating from A.M. Best

Pacific Pioneer Insurance company was founded in 1980 as a retail insurance agency but has since grown into a well-respected independent insurance agency that offers a variety of different services.

Whether you are looking for something specific, like the Pacific Pioneer Insurance claims phone number, or just want general information on the company, we can help. We’ve put together this Pacific Pioneer auto insurance review so that you can be more prepared while shopping around and comparing prices for your auto insurance policy.

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Pacific Pioneer Auto Insurance Rates

If you’ve wondered whether local and state auto insurance companies are better than national at handling your insurance needs, sometimes they just might be. For one, the agents often act as brokers, meaning that they have more leeway when it comes to working with various insurance companies to customize a policy that’s right for you.

Take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows the average annual rates based on coverage levels.

Average Auto Insurance Rates by Coverage
Coverage TypesAverage Annual Auto Insurance Rates Average Monthly Auto Insurance Rates
Comprehensive coverage$150.36$12.53
Collision coverage$299.73$24.97
Liability coverage$516.39$43.03
Total Full Coverage Cost $954.99$79.58
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Smaller companies are often more personalized when it comes to customer service, as well. The auto insurance market is very competitive and this is one area where a small company can set itself apart — a business with fewer customers can provide a greater level of individual attention to those it serves.

What is Pacific Pioneer’s availability by state?

The Corporate Office of Pacific Pioneer Insurance Company is located at 6363 Katella Avenue in Cypress, California. Pacific Pioneer Insurance Company is licensed in 12 states including:

  • Arizona
  • California
  • Colorado
  • Idaho
  • Kansas
  • Louisiana
  • Nevada
  • New Jersey
  • Oklahoma
  • Oregon

Pacific Pioneer Insurance Company has main offices in Cypress, San Diego, and Gilroy, California; Scottsdale, Arizona; Tukwila, Washington; and Las Vegas, Nevada.

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Pacific Pioneer Auto Insurance Coverages Offered

One of the first items on the agenda when purchasing your auto insurance policy is to decide how much coverage you need.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by the auto insurance laws in your state of residence.

Auto insurance is meant to protect you in the event that you’re involved in an automobile accident and need to file a claim.

If you choose to purchase more than your state’s required minimum liability insurance, you’ll need to choose your coverage and deductible levels based on the amount of protection you want and what you can afford.

Other types of coverage you might consider are:

  • Roadside Assistance – This type of coverage will ensure you get the help you need if your vehicle breaks down, and can be used to pay for towing services, tire changes, etc.
  • GAP coverage – This addition to your insurance policy helps pay off your auto loan if your car is totaled or stolen and you owe more than what it’s worth.
  • Medical Payment coverage – This type of coverage may help pay for costs such as hospital visits, surgeries, x-rays, etc. if you or your passengers are injured in an automobile accident.
  • New car replacement coverage – This type of coverage is only available in some states and from certain companies and will pay to replace your vehicle in the event of an accident.
  • Pay-as-you-go insurance coverage – This type of insurance offers rates based on each driver’s individual driving habits and is only available in some states and through certain companies.

The table below shows some of the different types of policies and coverages available to you, along with their purposes.

Types of Auto Insurance Coverage
Auto Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Keep scrolling to learn more about the auto insurance options available to you.

What are Pacific Pioneer’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. Since Pacific Pioneer offers home insurance, you may be able to bundle your coverage.

For example, you can purchase your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5 to 25 percent if you choose to bundle.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, also. You can think of this as a way of bundling, as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies commonly offer a discount of up to 25 percent for a multi-car policy.

What are discounts offered by Pacific Pioneer?

Generally, your discount options depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, estimates of how much money each can save you, as well as the major auto insurance companies that offer each discount.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Auto Insurance Companies Offering
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%GEICO, Esurance, USAA
Good student discount5%–25%State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance.

What programs are available from Pacific Pioneer?

Pacific Pioneer Insurance offers a wide variety of services. You can take a look at the table below to see which services are available from the company based on the insurance policy type.

Pacific Pioneer Commercial Insurance Programs
Type of ProgramAll Programs Offered
Restaurant ProgramsEZ Eatery Restaurant Package Program, Hi-Value Restaurant Program, Preferred Restaurant Program, Preferred Donut Shop/Bakery Program, Preferred Pizza Parlor Program, Preferred Restaurant with Entertainment Program, Wine Bar Program
Hotel/Motel ProgamsPreferred Franchise Hotel/Motel Program, Preferred Hotel/Motel Program, Standard Hotel/Motel Program
Association ProgramsCondominium Association Programs, Preferred Homeowners Association Program, Business Park Program
Other ProgramsApartment Program, Distributor/Mercantile Program, Office Package Program, L.R.O. Program, Preferred Grocery Store Program, Preferred Shopping Center Program, Dry Cleaners Program, Convenience Store (Mini Mart) with Gas Program
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Now that you’ve learned all you need to know about Pacific Pioneer Insurance, let’s take a look at their policies for cancellation and filing claims.

Keep reading to learn more.

Canceling Your Pacific Pioneer Auto Insurance Policy

What should you do if you need to cancel your policy?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether or not you are entitled to a refund of any policy premiums you’ve already paid.

Is there a cancellation fee?

Pacific Pioneer Insurance does not charge a cancellation fee if you need to cancel your policy.

Is there a refund?

Whether or not you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you will receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, it is always best to check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether or not you are entitled to a refund of any policy premiums you have paid in.

When can I cancel?

You can cancel your policy at any time simply by contacting your insurance agent and letting them know that you’d like to cancel your policy.

Once you have canceled your policy, any excess premiums will be refunded to you promptly.

How to Make a Pacific Pioneer Auto Insurance Claim

Similar to trying to obtain a quote online or searching for an agent online, it’s not possible to file an auto insurance claim through the Pacific Pioneer Insurance website or any of the subsidiaries.

Customers are required to call the main contact phone number for the Pacific Pioneer Insurance Company at 1-800-222-5582 or 1-888-509-2879.

Precision Risk Management Claims Department, a Pacific Pioneer Insurance Company subsidiary, is currently responsible for handling non-standard auto insurance claims through the Pacific Pioneer Insurance Company (PPIC). However, this portion of claims writing is in the process of being phased out.

Watch the video below to get an idea of what you can expect during the claims process.

Keep reading to learn more about the Pacific Pioneer Insurance Group.

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How to Get a Pacific Pioneer Auto Insurance Quote Online

At this time, Pacific Pioneer Insurance Company does not offer online car insurance quotes (though you should look into other fast ways to save on car insurance quotes). Customers can contact an independent agent to obtain a quote.

Two of the Pacific Pioneer Insurance subsidiaries — UCA General Insurance Companies and Unico Insurance — have lists of agents, but it’s not clear if any of them provide auto insurance quotes.

Pacific Pioneer: Auto Insurance Ratings

Pacific Pioneer Insurance is not accredited or rated by the Better Business Bureau (BBB).

Pacific Pioneer Insurance Company was rated B+ (“good”) by the A.M. Best Company, with a financial strength rating of “stable.” In addition, Pacific Pioneer Insurance has a “BBB” Long-Term Issuer credit rating, which is designated “adequate.”

The California Department of Insurance also offers a comprehensive overview of the company on its website. You can find shareholder information, financial statements, and much more.

Pacific Pioneer: Auto Insurance History

The Pacific Pioneer Insurance Company was founded in 1980 by Lin W. Lan as an affordable and attainable insurance option for Chinese immigrants. Lan has served as the chairman, president, and CEO throughout her career.

Lin W. Lan is the company’s founder and sole shareholder. She has served as the president, CEO, and chairwoman of the company since its founding. She has over 30 years of experience in the insurance industry.

Lan has turned Pacific Pioneer Insurance Company into the largest Chinese independent insurance agency in the United States.

In addition to Pacific Pioneer Insurance Company, Lan has created and purchased several other insurance companies, including:

  • UCA General Insurance Agencies
  • Pacific Excess Insurance Marketing
  • Unico Insurance Agency

Pacific Pioneer Insurance Company has received the following awards and recognitions:

  • Named the 2009 Largest Minority-Owned Business by the Orange County Business Journal
  • Added to the 2008 list of the Largest 100 Women-Owned Companies by the Los Angeles Business Journal

Let’s take a look at Pacific Pioneer Insurance Company’s representation in the digital sphere.

How is Pacific Pioneer’s online presence?

Pacific Pioneer Insurance Group’s website is pretty basic and does not offer a lot of specific information regarding services offered by the company. It does provide all of the contact information you need to in order to obtain that information, however.

What do Pacific Pioneer employees have to say?

Although there is no listing of agents on the Pacific Pioneer Insurance Company website, there are 327 licensed agents who are part of Pacific Pioneers’ subsidiary, UCA General Insurance Company.

Most of the brokers are considered part of small offices and pride themselves on creating and maintaining long-standing relationships with their clients. In addition, almost two-thirds of the brokers working for UCA General Insurance Company come from diverse backgrounds.

While there are no links to Pacific Pioneer Insurance Company Careers, there is a list of company executives on the homepage. Frank Stipati is the vice president and Director of Branch Operations; he is responsible for the day-to-day operations of all three offices located in California, Washington, Nevada, and Arizona.

Since there are no job listings, contacting Mr. Stipati by calling the main office would be the best way to learn about open positions, if there are any.

Pacific Pioneer ranks 46th on the list of the top 77 insurance companies to work for in California. The company also ranks 10th on the list of the best c

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The Bottom Line

Now that you’ve read through this article about purchasing auto insurance from Pacific Pioneer Insurance Group, we hope that you’ll feel more confident in purchasing your policy.

Which part of this guide was the most helpful to you?

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Frequently Asked Questions: Pacific Pioneer

In this section, we answer some of the most commonly asked questions about the Pacific Pioneer Insurance Group’s auto insurance policies. Some of the answers may have been covered in part or in full in the guide above, but if there’s something else you want to know, take a look below to see if your question has been addressed.

#1 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk, as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.

There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Fail to pay your auto insurance premium
  • Have your driver’s license suspended or revoked
  • Lie during the application process

Also, if you’re found to be a high-risk driver, your auto insurance company may choose not to renew your policy.

#3 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you will get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative “middleman,” but this theory fails to take into account the amount of money these companies spend on direct marketing. That can even out the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#4 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, sex, etc. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether or not you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies are able to reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#5 – Does the Pacific Pioneer Insurance Group offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and/or auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.

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