Risk Management & Insurance

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 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. Most companies that offer coverage in California, and more specifically Encinitas, give discounts if you combine policies with one company.

Call Risk Management & Insurance at (760) 436-9860 or go to their location in Encinitas to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Encinitas?
• Should I buy home and auto insurance from the same company?
• How can I file an insurance company complaint?
• What should my deductibles be?
• What is the difference between comprehensive and collision coverage?