Mel Smith Insurance

Tips for Finding an Agent

• Ask coworkers for recommendations
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents can only price your coverage with one company
• Follow your instincts regarding the integrity of the agent

Insurance Buying Tip

The next time your car insurance renews, talk to your agent about increasing your physical damage deductibles to lower your rates Auto insurance is cheaper if you plan to pay a little more out-of-pocket at claim time. Call Mel Smith Insurance at (510) 733-2010 or talk to them in Hayward for an insurance review.

Frequently Asked Questions

• How can I find an agent in Hayward?
• Does car insurance cost less if I get married?
• Can I drive on a suspended license in California?
• Should I carry full coverage?
• How can I find cheaper car insurance for my teenager?