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12/29/2016
By: reggiedavis
Keir Jones - State Farm Insurance Agent
Keir helped me with my life insurance - which was a much better conversation that I had anticipated. I told him I already had life insurance - and he showed me all the holes in coverage I was lacking. By the end of the conversation I had a new life insurance policy and he rolled over my old work 401k into an IRA that changes its aggressiveness automatically as I get older. Keir - thanks for showing me how much more State Farm does than just auto and home insurance. I had no idea - and I'm glad you are in charge of things!
04/09/2013
By: amber.richards.3551
Keir Jones - State Farm Insurance Agent
The Keir Jones State Farm Agency is not only the most knowledgeable insurance agency I've ever worked with, but also the easiest, friendliest and most caring agency. They not only take the time to truly understand your insurance needs, but they help you with other important life planning decisions. The office is by far the nicest office I've seen from any insurance agent and they've truly set a standard in every aspect of their business for every insurance agent out there. Thanks Keir and team!
05/07/2010
By: crm2583
Fiesta Auto Insurance
I went to them on PCH and took care of getting new car insurance and also some other paperwork that they helped me with. They had great rates and choices and all the ladies were very nice. I will definitely use them again. I am glad I found out about them.
03/19/2009
By: crm2583
C & P Insurance Service
I have been with Diane for a few years and every 6 months I've been getting a great Mercury auto rate with a couple of nice discounts each time. If you have multiple cars or home & car together, that always comes out the best.
12/18/2014
By: Ericka J.
Emperor Insurance Center
Really good customer service!! I'm saving $50 with them a month. They explained all the coverages and I learned more about insurance. I'll recommend them to my friends.
02/19/2015
By: K M.
Pristine Strategy Group Inc
I didn't know how to properly claim my property taxes and Chris and his team really educated me and saved me hundreds of dollars in taxes
08/26/2016
By: Melinda S.
VSP Vision Care
Been with Vsp for 5 years. Limited providers in my area take this eye insurance so that wasn't very convent. Coverage is standard.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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