Michael R Payne Insurance Service

Tips for Finding an Agent

• Make sure they specialize in the coverage you need
• 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 only work for one company
• Check to see how long the agent has been in business

Insurance Buying Tip

Consider packaging your home and auto coverage together for additional discounts. Many insurance companies that sell insurance in San Diego provide major savings when you combine your policies with the same company. Call Michael R Payne Insurance Service at (858) 581-2131 or go to their location in San Diego for more information.

Frequently Asked Questions

• How can I find an agent in San Diego?
• Should I buy home and auto insurance from the same company?
• What are minimum liability requirements in California?
• What should my deductibles be?
• Why are premiums so high after a bankruptcy?