Rachel Payne Insurance Service

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 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. Most companies in San Jose give discounts when you combine your policies with the same company. Call Rachel Payne Insurance Service at (408) 885-1190 or go to their location in San Jose for more information.

Frequently Asked Questions

• How can I find an agent in San Jose?
• If I file a claim will my rates go up?
• What are minimum liability requirements in California?
• What should my deductibles be?
• Why are premiums so high after a bankruptcy?