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Petaluma, CA

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Cost-U-Less Insurance

4.5 (18 reviews)
Closed • 9:00 am - 7:00 pm
Updated 1 month ago

Services - Cost-U-Less Insurance

Homeowner or property

Car and truck insurance

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8 years ago

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6 years ago

Melissa was extremely helpful and professional. Her service made me feel secure and happy with the decision to choose Cost-u-less

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7 years ago

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9 years ago

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6 years ago

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9 years ago

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6 years ago

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8 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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8 years ago

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7 years ago

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10 years ago

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10 years ago

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10 years ago

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Review Highlights - Cost-U-Less Insurance

“Ashley was cheerful, friendly, knowledgeable, and she took the time to work with me and advise me in her best capacity regarding my questions.”

Mentioned in 6 reviews

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Farmers Insurance - Paul Demil

Farmers Insurance - Paul Demil

(12 reviews)

I've changed insurance agents 3 or 4 times in life and it makes me feel queasy every time. It takes…read moretime to develop a relationship and for agents to really understand your personal and business needs, right? NOT so with Paul Demil! Paul and staff are friendly and personable right out of the gate. Although I'm an extrovert Paul tops me in that arena big time which had me take a couple steps back at first wondering if he was for real. I guarantee you, he is the REAL DEAL. Paul knows the insurance business inside and out and takes whatever time is needed for you both to understand how his agency can best serve your needs but he is a people person first. We have both personal and business policies through Paul Demil Insurance Agency. When I inquired about auto insurance, Paul had his staff do the research and he let us know he could not match our rate (we have special discounts via AARP). He looked at our policy and gave me some suggestions where to upgrade to give us the best coverage and this was with another insurance company! Paul and his staff are supremely responsive to my questions and take the time to make sure I understand the answer. They've given me a tremendous insurance education. During the October 2017 fires sadly, several of Paul's customers suffered losses. The upside of the devastation for these homeowners is that they had excellent insurance coverage. They were grateful to Paul for encouraging (nagging?) them to increase their limits to appropriately cover their needs. There were far too many homeowners (not insured by Paul) who lacked appropriate coverage and could not recover losses. Paul is not only an entrepreneur he's a husband, a dad, a musician, and a good neighbor. He and staff volunteer time in the community and continually give back to their hometown. I can't recommend Paul Demil Insurance Agency highly enough. Don't let Paul's exuberance for insurance and for life alarm you ; ) ... choose Paul Demil Insurance Agency and know that you truly are in good hands.

Very honest and helpful! Tom had a ton of great info for us looking at home and auto insurace…read more Thank you!

Rebekah Gonzalez - State Farm Insurance Agent - State Farm Logo

Rebekah Gonzalez - State Farm Insurance Agent

(42 reviews)

You simply can't get any better customer service, financial advice, policy walk-throughs than this…read more Rebekah is personable, knowledgeable (in finance and law), and cooperative. I was happy I found her office when I purchased my car and now have a great life insurance and renter's ins. policy through her agency. She has me on several discounts on the car ins. policy; since I've been a "safe" driver and loyal to state farm, I look forward to continued business there! More than "saving on my premiums" or basing my ratings on the price, I value the benefits, service, and breadth of coverage more than anything. I understand State Farm has "products" they need to sell but Rebekah doesn't push them on you unless you're interested. As a law student working in insurance bad faith litigation, I understand the recent consumer reports statistic that only 10 percent of 19,000 insurance subscribers would actually save anything by switching insurance companies (don't fall for the gecko), and I am a firm believer of loyalty to companies that are good to you and who are top-rated.

Rebekah and her team have been wonderful to work with. We found her after our previous insurer…read moredropped our homeowners policy and are grateful to be working with someone that genuinely makes you feel like a valued client. She is very proactive at communicating regarding changes or anything that may be happening in the industry that could concern her clients. She and her team are super responsive to requests and policy questions. I would highly recommend working with her.

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 had the distinct pleasure of working closely with Agent Cathy Casazza to sort out several…read moreinsurance issues for my parents over the past month or so. She is such a pleasure to work with. Not only is she extremely knowledgeable but she is also very efficient. In the matter of just a few emails I was able to help may parents save lots of money on their many insurance policies. Ms. Casazza was very proactive in helping us to trim the premium amounts where we could. Contact Cathy today for all of your insurance needs. She can get you fast and competitive quotes. Honest, friendly and knowledgeable.

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.

Farmers Insurance - Jor-Jean Maples

Farmers Insurance - Jor-Jean Maples

(20 reviews)

I attempted to contact Jor-Jean a few times over the past several months but was only able to speak…read morewith her assistant. I even asked for Jor-Jean to call me but it never happened. My policy was with 5 cars, a house, and a boat, so it was a significant amount of money each year. Several thousand dollars for full coverage. I called and asked if there was any way I could get a lower rate and was told I could reduce my coverage, but that was the only way. I shopped around and found a company that offered a little better coverage for $1200 per year less, so I called Jor-Jean to cancel my policy but again had to do it through her assistant. Jor-Jean called me the next day to discuss all the ways should could save me money. Unfortunately she was a day late... When she realized I was moving on to another company she started in with an attitude, which is what prompted me to write this review. Jor-Jean, had you ever made an effort to contact me back after the times I called we might still be conducting business. If you had a bunch of ways to save me money, why didn't you do it to start with before I had t Your attitude when we spoke was rude. A really poor way to conduct business. Instead of the nasty attitude you should have offered a "thank you for helping to support me." Update: Joe-Jean contacted me after our first conversation and she apologized and owned the down-fall from our business transaction. I agreed to have her re-quote my policies but the rates went up even higher. Thank you for your contact with me Joe-Jean.

Just fired her. Did not disclose all of the costs of auto & home policies upon signing causing me…read moreto cancel my existing insurance unnecessarily. Did not apply my proof for discounts causing me to miss deadlines & be charged more. Yelled @ me in her office when I asked for explanation when she sent me a letter demanding yet another payment with no explanation. Does not return requests for returned contact (online as there is no way to call the office necessitating having to drop by the office).

Miguel Alfaro - State Farm Insurance Agent - State Farm Logo

Miguel Alfaro - State Farm Insurance Agent

(32 reviews)

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!!

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

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

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