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By: Melissa H.
Morelos Insurance
We've been with Morelos Insurance for many years! Why? Because they have been everything we want in an Agency by giving us personal assistance through simple life issues & changes as well as major things (like my car accident). We have always been able to speak with someone right away, usually the owner George Morelos, and he takes the time to explain everything we need to understand about the situations. That means a lot to me. Also, the prices are really good. We use Morelos for both Home & Auto.
By: Becky G.
I am so pleased with Jacinth insurance. His honest business has kept us and we will look no other place. HE is a man of integrity and it truly reflects through his business. We have looked for years for a wonderful insurance ... and for the past 15yrs we have NEVER been satisfied....untill NOW, and the last few yrs, and will go through this business for the rest of our lives! Its a 5 star business as far as I'm concerned! And would use him for any and ALL insurance that we might need!
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By: Pamela R.
Liberty Mutual Insurance
We have had Liberty Mutual Insurance for cars and home, as well as dirt bikes for 14 years. They are reasonably priced for the coverage they offer. On the claims that we have had to recover i.e. loss wedding ring, and a dirt bike accident, Liberty Mutual has been quick to respond and generous with their reimbursement.Also, any fender benders or car break downs, again Liberty Mutual was very quick and very professional in dealing with us.
By: Brittany G.
State Farm Insurance
We have used Bryan for a couple years now and I couldn't be more happier with their service. They have excellent customer service and have helped me in many ways when it came to guiding me with steps for insurance claims. They have affordable prices and really work with you! I would definitely recommend this company to anyone. Especially Bryan and his team!
By: Melissa T.
State Farm Insurance
After getting in an accident, not my fault. State farm insurance was the other ladies insurance, they drag out the settlement. As they are suppose to do I'm sure. Not friendly at all or compassionate for the life changing experience that was caused by their driver. Pray you don't get in a serious accident with this company.
By: Betsy D.
Mercury Insurance - Cnk Ins. Svc.
Love Robin Anderson at CNK Insurance on Cottage Way in Sacramento. She carefully considers your needs and recommends the best insurance for you. Robin explains the differences with deductions and helps you decide which is best depending on age of car etc. There is a discount bundling car, house, boat etc.
By: Becky B.
Ranata Scholl - State Farm Insurance Agent
Ranata has been our State Farm agent for several years. She is knowledgeable and willing to make house calls if you don't want to make the drive to Sac. She helped us establish college fund accounts for our 3 children, who knew we could just use State Farm to invest in higher education for our kids.
By: Scott L.
Michele Adams - State Farm Insurance Agent
I have been with this office for about 20 years. Their staff is always a pleasure to work with. They will go out of their way to make recommendations that benefit you, and do not pressure you into things that don't work for you. They have always been very helpful, and quick to respond to my needs.
By: Melissa T.
Save Now Insurance Services Inc.
Well after an accident that want my fault. They have never called to check on my recovery. Just send letters saying if they don't hear from me they will close my car. Adjusters are very unprofessional and rude. I have always heard they were wonderful but this had not been my experience at all.
By: Brittany G.
American Income Life - Don Foti
This company takes you step by step and helps you find what works best for you and your family. They cover all the important information and explain everything in detail to make sure you know the importance of life insurance. Great company!
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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