The best way to keep your rates competitive is to work with an independent insurance agency, like Rancho Del Sur Insurance Services, that can compare multiple carriers. But the rate you pay isn’t as important as having the RIGHT coverage.
1. Find three to five independent insurance agencies near you.
2. Call and interview them. Ask questions like “What makes you different?” and “What services and value do you bring to the table?”
3. Once you find someone you’re comfortable with, make an appointment and ask for a needs analysis showing which policies and coverages you should have in place.

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