Licensed Agent · 27 Years Experience
Michelle Godinez Insurance
Superior Coverage, Exceptional Service Same-Day Coverage Available
Orcutt, CA, Since 1998
What We Offer
Comprehensive Coverage, Tailored to You
Auto
Personal & Commercial Auto Insurance
Home
Homeowners Insurance
Umbrella
Extended Liability Protection
Renters
Renters & Landlord Insurance
Mobile Home
Mobilehome Insurance
RV
Recreational Vehicle Insurance
Classic Car
Classic & Collector Car Insurance
Mechanical
Mechanical Breakdown + Gap Coverage
Same Day
Coverage Often Available Today
About Michelle
Built on Trust, Driven by Service
I have been a licensed insurance agent for 27 years, beginning my career in Santa Barbara, CA. For 17 years I served clients under Glenna Ledbetter Insurance — and recently had the privilege of purchasing the business from Glenna herself.
My vision is simple: provide every customer with superior service, educate them on their coverages, and underscore the true importance of being properly protected.
· 440 E Clark Avenue, Orcutt, CA
· Office Hours: Mon–Fri, 10am–5pm
· Calls Answered by a Licensed Agent
Why Choose Us
The Standard of Exceptional Service
I — Licensed Agent on Every Call
When you call, you speak directly with a licensed agent — not a machine, not a call center. Real answers, every time.
II — Same-Day Coverage
In most instances, we can get you covered the same day you call. No waiting, no unnecessary delays.
III — Responsive & Accountable
We strive to return all calls within a reasonable time and on the same day. Your concerns never go unanswered.
IV — Education & Transparency
We walk you through your coverage so you understand exactly what you have — and why it matters for your life.
Client Stories
Trusted by Families Across the Central Coast
Amy Z.
"Michelle Godinez Insurance saved me over $200.00 a month on my auto insurance.
I had AAA and they were over charging me insurance.. I should have never left Mercury Insurance. However, I am glad to be back with Michelle . She made the transition so easy to switch my insurance. If I have any questions or concerns the office staff is very helpful and knowledgeable. I highly recommend Michelle Godinez Insurance."
Joelle J.
"My new agent went above and beyond to get us the best home & auto insurance rates after our previous carrier doubled and even tripled in price for each. The process was quick and painless. The new agent was thorough in explaining everything and even going to bathe for us when a hiccup (not from her end) was going to end up costing us. I would definitely recommend Michelle Godinez Insurance for all your insurance needs."
Denise C.
"Before switching to Michelle and Mercury Insurance. Our insurance experience was HORRIFIC!
No one returned our calls, my husband needed roadside assistance and got no response! But with Michelle - we've had great customer service!! She responds quickly and is so patient! She takes her time explaining things that might be complicated and really offers the best solution to our needs! I have recommended her to everyone I know. She is fair, professional and genuine! My family of 6 feels very safe and assured that anything comes our way-we're taken care of!"
Eric S.
"I have recently switched from, what I consider a very good insurance agent, to Michelle Godinez.
Unknowingly, having switched, I can now easily contrast the difference between a good agent and an exceptional agent. Michelle provides the most thorough,thoughtful, and expedient auto insurance service that I have ever encountered over the course of almost 40 years. If you're considering an agent/insurance change, I believe it would be difficult to find an agent that could outperform her. I am very happy and grateful I "unknowingly" switched to her."
Justine R.
"I have been following Michelle for my car and renters insurance for 25+ years. She is honest and always tries to give the best rates. She responds quickly to questions and has exceptional customer service. Call her for a quote, you will not be disappointed. I would never think of going with anyone else for my insurance needs."
Claudette V.
"I've purchased my last 3 extended warranties thru Mercury and saved thousands of dollars... Literally!"
Audrey B.
"Thank you for helping me with my insurance needs and saving me $1700.00"
Common Questions
Frequently Asked Questions
Can I get coverage today?
In most instances, yes. We often provide same-day coverage. Call us and we'll get started right away.
Is there a payment plan?
Yes. Generally, there are four payment plan options available to fit your needs and budget.
Is someone else covered to drive my vehicle?
It depends on your specific policy coverages and household residence. Call us to clarify your exact coverage.
Do you offer Mechanical Breakdown Insurance?
Yes. In addition to Gap and Repair/Replacement Cost coverage, we offer Mechanical Breakdown Insurance for comprehensive vehicle protection.
Have more questions? We're happy to answer.
Call 805-937-3323Ready to Get Protected?
Call Us Today. We Answer.
805-937-3323Mon–Fri · 10am–5pm · 440 E Clark Ave, Orcutt CA