Richard J Chandik

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. The majority of insurance companies that offer coverage in California, and more specifically Encinitas, provide major savings when you combine your policies with the same company. Call Richard J Chandik at (760) 943-0499 or go to their location in Encinitas for more information.

Frequently Asked Questions

• How can I find an agent in Encinitas?
• 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?