1. What is an independent insurance agent? FAQ: Frequently Asked Questions 1. What is an independent insurance agent? An independent agent is an agent who has access to multiple competing insurers and who have ownership of the business that they write. A captive (exclusive) agent, in contrast, represents a single insurer in the marketplace and does not have ownership of his or her book of business. Therfore, an independent agent is not tied to one insurance company and will find you the lowest rates from multiple competing insurers. In addition, since they own the business they write they will continue to service the policy even after the sale.
Back to Top 2. What if I have a less than perfect driving record? Less than perfect driving record, DUI, or suspension ususally results from rejections from main line insurance companies. We have the expertise to still find for you insurers willing to give you coverage for a reasonable rates.
Back to Top 3. What if I have only an international driver's license? Not a problem! We will get you coverage at a reasonable cost.
Back to Top 4. What do I do if I get a letter from the DMV asking for proof of insurance? Give us a call and we will get you covered at the lowest cost and provide proof of insurance to the DMV. You won't have to lose your driving priviledges!
Back to Top 5. Do I need auto insurance to drive in California? Yes, California law requires all drivers to have auto insurance. Driving without insurance could result in fines, having your license suspended and your car impounded.
Back to Top 6. Do I qualitfy for California Low Cost Auto Insurance? To qualify, you must:
1) Have a good driving record
2) Be at least 19 years old
3) Have been continously licensed to drive for the past three years
4) Be able to meet low-income requirements
5) Have a vehicle valued less than $20,000
6) Live in selective counties in California, including San Diego county. Go to the California Department of Insurance web site (click "internet links" on the top left hand side of this page and then click "California Low Cost Auto Insurance") for additional information.
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