Earl F Nichols Insurance

Tips for Finding an Agent

• Ask friends and family for referrals
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents are limited to a single company's rates
• Ask for their license number and if they balk, find a new agent

Insurance Buying Tip

Consider combining your home and auto coverage together to get a multi-policy discount. Many insurance companies in Santa Maria give discounts if you combine policies with one company.

Call Earl F Nichols Insurance at (805) 922-9640 or go to their location in Santa Maria to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Santa Maria?
• If I file a claim will my rates go up?
• How can I file an insurance company complaint?
• What should my deductibles be?
• What is the difference between comprehensive and collision coverage?