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Cost-U-Less Insurance

4.5 (17 reviews)
Closed 9:00 am - 7:00 pm
Updated a few days ago

Services - Cost-U-Less Insurance

Homeowner or property

Car and truck insurance

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7 years ago

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7 years ago

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8 years ago

Ashley McMorrow was great! Very thorough and helpful, made sure I got all my documents signed and got a great rate! Thank you Ashley

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Review Highlights - Cost-U-Less Insurance

I had never been into the Petaluma branch and went there on a whim and was treated extremely well by Ashley McMorrow who helped me find the best rate for my needs.

Mentioned in 4 reviews

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Amica Mutual Insurance Company

Amica Mutual Insurance Company

(52 reviews)

Update 12/2/22 Amica…read morecame through and took care of the rental. I also got a genuine apology for the mistake (thus the increased number of stars). I still need to process the events that took place, but I'm willing to give Amica another chance based on this customer service experience. While mistakes are not ideal and create temporary stress, what matters more to me is that the company is willing to fix them. 12/2/22 After 30+ days of an absolutely disastrous claim service, Amica has dealt me a final blow that has me questioning whether I will be continuing to purchase policies with them in the future. Due to Amica's lack of transparency around what was happening with my car, Iris Cartagena called me and said that after speaking with an Amica supervisor, they would extend my rental an additional ten days (December 2nd). I take my rental in promptly at 8:30 am today and am wouldn't you know it - I'm faced with a $761.18 bill. When I inquire as to the breakdown (I expected something in the realm of $331), and wouldn't you know it I find out that despite Amica saying they would extend my rental 10 days they did not pay their share of the bill. I honestly didn't think my opinion of Amica could sink lower, but in this respect they have actually excelled. Now I have to wait while they "investigate". All I want is for this nightmare to be over. If they come back with anything less than a "our mistake" I think I'm done. My family have been loyal Amica customers for over two decades, I myself have been an Amica customer for one decade. And I am honestly considering taking up insurance with someone else. Money is tight living in California, and although it gave me a panic attack I had the money to pay, but imagine if I didn't. Imagine YOUR family receiving this shock. Then ask yourself, is Amica living up to its brand name? And is this what I'm paying for? Amica I call on you again to investigate your west coast branches. Particularly whoever is servicing Northern California. This isn't right and it is killing your brand loyalty.

Been with Amica for over a decade - I have car and home rental insurance thru Amica. (I've had some…read moregreat experiences in the past with adjusters Martin Medina and Joshua Ziegler). My current experience with adjuster Kellee Green has been the worst of my life. Firstly, I was asked to sit quietly and listen to a call between the tow lot and my Amica Appraiser - on that call I heard my appraiser on the phone with tow lot say that he could not go to the tow lot where my car was towed to appraise it. He clearly stated he couldn't go but would the tow lot please take 70 photos and email them to his email address. Two weeks later I was still waiting for an appraisal. Keep in mind that I am paying for a rental and Amica is only covering 20%. Amica blamed the tow lot despite me having heard them decline to go there. On a Monday I emailed Kellee the name of my chosen collision repair shop. On Tuesday I called the repair shop to make sure they had the claim and they said "never heard of it". I was then asked by Kellee Green to see if the collision shop could tow my car from CoPart to The collision center in Los Angeles. I asked the collision center and he replied "you can't do that bc Amica has to assign me the claim". At that point - the collision center person and I called Amica together to get the claim assigned since Kellee Green failed to do so. When the collision center went to retrieve my car - it had not been released by Amica so he was held up in that process as well. It's three weeks later and I'm still paying for the rental. The car is finally at the shop waiting for parts. I was told today that if I needed to be reimbursed for the remaining cost of the rental (it will be almost six weeks total when repairs are complete) then I needed to reach out to insurer of the party at fault myself. I have to do it myself like every step in this process. So if you want to pay for insurance but "do it yourself" go Amica. You will not find customer service here.

Don Ramatici Insurance

Don Ramatici Insurance

(7 reviews)

I have found that Ramanciti Insurance Company is not what it used to be…read more If you're not making the amount that you use to, If they are not insuring 3-Million-dollar + home like they did for you years ago they don't want, you as client. If their not making a lot of money to insure you commercially they don't want, you. You're too small not enough revenue for the new generation of Family Ramanciti's Insurance Sales Associates. You wait until the last minute to give me nothing but a fair plan. I know you didn't try because I have A+ paper insurance companies giving me quotes both personal and commercial. Again, for the record I have never had a house claim in over 35+ years with your company. Never had a business claim for liability or workmen's comp even on a national level with your company. Never been late with a payment, never had a lap of coverage etc. You would think that would mean something to the new generation of Ramanciti's. You give me your high importance email nothing. Very sad I have found other insurance companies that are willing to insure me for both commercial and personally in the 1st two weeks March. I am still getting price quotes from these companies. Without the fair plan and without cheep commercial insurance that I was told I should turn to for coverage for my company. For shame on you both from the commercial side and personal side of Ramanciti Agency. They have a A+ AM Best Financial Rating. AMIG is owned and backed by Munich Re and also Farmers to name just a few. That will insure me at competitive rates. I am sure you sleep well at night. I would look elsewhere for insurance.

Love working with Ramatici Insurance. They know what they are doing and get it done in a timely…read moremanner. Highly recommend

Miguel Alfaro - State Farm Insurance Agent - State Farm Logo

Miguel Alfaro - State Farm Insurance Agent

(32 reviews)

Don't go here nobody knows what they are doing it took them a month and a half to fix…read morea mistake they made I recommend going anywhere else for insurance they changed me twice for a policy change I did not ask for and that they where not given permission to do with and increase my insurance by 300% with out informing me for no apparent reason don't go here

Wow, just wow. I was in search of a business insurance policy for my photography business. I had…read morecontacted NUMEROUS agencies and after FOUR MONTHS of back and forth with them, I was quoted upwards of $2500 for the year, which is incredibly steep for my small business. I was about to sign but, since we already had a renter's policy (and previously our personal auto policies) with Miguel's office, I figured I'd give them a shout and see if they could help, as my wife suggested. She said that Barbara was super nice and was sure she would help if she could. So, Barbara, at Miguel's office, answered my call and was BEYOND incredible walking through the ins and outs, confirming with the underwriter and just literally bending over backwards to make it all work out - and for a FRACTION of the rates others were quoting me!! We ended up switching our auto policies back to State Farm with greatly increased coverage for just a little more than we were paying for the minimum with Farmers. She has responded almost immediately to my requests for additional COI's and additional insureds, and has just been incredible to work with. Thank you Barbara!!

Cost-U-Less Insurance - homeinsurance - Updated May 2026

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