State Farm Locations & Hours Near El Centro, CA -
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By: Juliette L.
Went to Terrazas today and was very sasitsifed with my insurance and also the service. Very fast & great service! Would highly recommend it!
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By: Priscella G.
Great experience at Terrazas Auto Insurance! I was able to do everything through the phone and go pick up all the paper work in person. Great customer service , really nice guy fast and easy. I would definitely recommend him for anyone looking for insurance. Someone you can trust and very affordable ☺️
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By: Claudia R.
Great experience at Terrrazas Auto Insurance! Freddy made everything super easy! Great rates and fast! Thanks a lot !!
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By: Dannisa R.
Freddy is super friendly, fast and real easy to talk to. He answered all my questions in a matter of minutes and had everything ready within an hour if that. Was not expecting to get everything done so fast. Definitely recommend it to everyone looking for great customer service ����
By: Jessica M.
Discount Insurance And Income Tax Services
Horrible office!!!! Found out the girl that did my taxes last year, Somer, wasn't even licensed to do taxes. Went somewhere else this year and had them go over last year's return only to find out that I missed out on a $1800 credit. This place is ghetto!!!!!!! Don't waste your money. They don't know what they are doing!!!!!!! There used to be a guy doing taxes there. He's gone I guess and he was the only one I would go to.
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By: Chanelly O.
Freddy is really nice and helpful and will get you an insurance at the best possible price !! Amazing service!! Thank you so much !
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By: Yvette M.
Always great service with Freddy! Needed to get my new car insured and went around for a couple quotes and i could definitely say he does what he can to beat prices! Great customer service!
By: Marco P.
Nothing but great things to say about these guys, professionalism at its best!!! Received a quote within minutes with a great monthly payment couldn't ask for a better service
By: Stephani G.
Freddie has always provided me with the best quotes in town ! He's always very fast and has reliable service !! Always available at anytime of the day .
By: Dani O.
I was a first time auto insurance buyer and was referred here by a friend who had nothing but good things to say about the company. I had absolutely no idea what I was looking for and was expecting to pay a fortune, but Freddy at Terrazas Insurance made the process so easy to understand and found me the best deals! I would definitely recommend him to anyone looking for affordable, good quality insurance!
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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