By: Melissa H.
Morelo's Insurance Agency
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
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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