Emanuel Davidson is an awesome young man to work with. I am very pleased of how knowledgeable he is, in presenting me with the products that suit my need and budget. He helped me to bundle my homeowner's insurance with my auto insurance and I save some money. If you need great help, I will highly recommend you to Mr. Davidson at Prosper Insurance company. Pauline Miller read more

I've used prosper insurance for the last 3 years and they haven't ever missed a call. Pricing is in line with everyone else. However, the customer service is top notch. highly recommended and would reccomend giving them a call. read more

I've been working with Todd over at Prosper Insurance Solutions for over 10 years. Anytime I need something or have a question, Todd responds very quickly and is always super helpful. I would highly recommend Prosper to anyone who needs insurance. read more

Todd is the MAN! Quick and reliable; he answered all of my questions about my transferring my long-term State Farm auto and renters policies over when I was ready to make the switch - it was fast & easy! With every twist of life that occurred from the original policy binder - in less than 4 months: a new vehicle, getting married - changing my name and adding my husband to the policy AND moving!?! Todd didn't miss a beat - and even though he was on out of office on vacation - someone from his office replied to my email right away to help! So grateful to have Todd & the Prosper Insurance Solutions team on my side! read more

I just want to say how helpful Todd Payne was with us, even when we had to switch Business Insurance due to the type of insure we needed. We were with Todd Payne for over 3 years and never a problem. And when I needed COI, he promptly emailed one to me. Even when I left Todd Paynes Prosper Insurance, he was still helping me to get a refund with The Hartford Insurance. I would highly recommend Todd Payne with Prosper Insurance, he is very dedicated. read more

Todd and Kim have been so helpful. They've done their best to find best prices/bundles etc and compare different options. Appreciate their hard work and time. read more

I called the office last week and no one answered. This was last Friday . I called 4 times. Attached is the proof. No answer goes to voicemail. I emailed at least 3 times and only got a reply with a bunch of questions. After that no phone call no reply again. Just basically left for memorial weekend. The owner told me business was slow so they left early on Friday. I don't know any insurance brokers who take the weekend off. They don't wait 4 days to reply. Then after I sent an email the owner blamed me for not leaving a message. He didnt reply to Tuesday. Who leaves a message anymore anyway. Everyone is usually doing stuff online. I was hoping to get my insurance through this guy cuz he had good ratings with Mercury however, he doesn't want to call me back and then he sends an email saying thanks but no thanks. It looks like I need to be mindful of his other reviews they look like they're his buddies or at least some of them you could tell. Especially the ones I only have one or two reviews. All he had to do is just take responsibility for his behavior and I would have totally done my business with him but seems like he just wants to blow me off and go to someone else saying we're not a good match. No it's not we're not a good match you're not a good match. Don't make excuses saying your a small operation and business was slow that's not why you left. You left early for memorial weekend and you put my calls to a side. And it was the weekend. I called you guys all day and the day before. I just looked at my caller ID. read more

Prosper Insurance Solutions - I called him all day and he said business was slow no one answered the phone. - Insurance Near Me - San Diego, California

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I was first introduced to Todd Payne via his outstanding relationship and reputation with Kearny Mesa Toyota and his expertise in TNC coverage (needed to legally drive and insure your personal vehicle for Lyft and/or Uber). I had also done my due diligence prior to contacting Todd Payne and was very impressed by the outstanding online reviews of Todd's insurance agency. I can honestly say that I am more than impressed with Todd, his easy going yet professional nature, his attention to detail, his efficiency in getting you insured (the first time I was insured on a new vehicle after just 10 minutes in his office!), and his willingness to not only match you to the product you need but to obtain the best price possible through his access to a plethora of high quality, best in class providers. Sure, you can get comparable rates dealing directly online with any of the major insurers but there is no way you are going to get the level of personal service that you will get with Todd. Although like most agents he represents many major brands (I have Mercury Insurance through Todd), he is a local guy that supports our community in a variety of ways, is very easily accessible via phone, email or my favorite, a nice sit down in his office conveniently located at Balboa and the 805. All of the above and more and again, I cannot say this enough - his exemplary customer service is what I call "The Todd Payne Difference" and what makes it such a joy to have him as a my insurance agent and why I would recommend him to all my friends and family and also to my fellow Yelpers without hesitation. Lastly, I would like to add that I am very big on dealing locally with locally owned businesses. They truly are a vanishing breed and so vital to the health of our community and need and deserve our support. They are often our neighbors, our friends or even family and as such, we should support them whenever possible. In Todd's case, it isn't even like it is sometimes when you shop local small businesses, having to perhaps pay a bit more for such outstanding personal service - he will go out of his way to actually save you money over the big national competitors so it is a tremendous win overall! As you can see by his five star reviews here on Yelp, Todd is your go to guy for all your insurance needs in San Diego and remember, shop local as much as you can and support our community! read more

Todd has saved me thousands of dollars over the last few years. I have my home, autos and my travel trailer insured thru Prosper. His service is fantastic and he is always available to answer my questions. I am so fortunate to be with someone who cares about my insurance needs and is so knowledgeable. read more

I contacted Todd Payne to get insurance for my wedding photography business and he set me up with a policy with equipment and liability coverage for shooting events. After having my policy for about a year I had a very close call and almost destroyed a $6k camera & lens, so I contacted Todd to see how I would have been covered if the equipment had been damaged. It turned out that Todd did not give me the correct policy for my business and NONE of my equipment was covered anytime I left my home with it! I bring well over $20k worth of equipment to any shoot I do, so I communicated my disappointment to Todd for selling me a policy that didn't properly cover my business, as well as my concerns moving forward. Todd didn't express an apology for his error or even address my concerns moving forward. He was just concerned with setting up a new policy and taking my money. Take your business elsewhere if you want proper coverage and communication from your insurance agent. read more

Todd has been my agent for the past 4 years. Every time I need him, he is very responsive and helps me find the right policy for me an my family. I highly recommend that you at least call Todd to see if he's the right fit for you! read more

Todd helped us get coverage for our home and cars. He was very polite and took the time to explain things that I wasn't clear about. Best part was that he was very responsive and found us a really good rate. read more

I've heard Mercury insurance has a great rate than any other major insurance companies and I wanted to find my own agent, so I found his office by my work. Even though I walked in without an appointment, Todd welcomed me very nicely and helped me to get my auto insurance with a great rate. He also answers any questions I have with an email and phone very quickly, always very kind! It is very nice to have my own agent, feels like he cares and treats every clients very well. Highly recommended! read more

I live in Colorado and needed a quote for a house I own in San Diego before continuing with my current carrier who I never even picked I just got transferred to him. Todd was so prompt on getting back to me with everything I needed that I went with him in spite of it only being a .6% savings which is not enough in itself to make me swap. read more

I have known Todd a long while (back to college) and switched over to his insurance services several years ago. He helped me lower my payments, find the best policy and coverage for my needs, took care of all the details. It was an easy process and he was great to work with. Most importantly when I have insurance claims, needs, or just a copy of my policy- he is always very quick to respond back and get me what I need. I would highly recommend his insurance service and his dedication to his customers. read more

I contacted Todd looking for health insurance assistance, and although he no longer handles it, he did give me a recommendation for another service. I had left a message on his machine and he called back right away. That's customer service when you call someone back even though you know it may not mean a sale for you. Two thumbs up!! read more

I am new to the San Diego area and needed to change insurance. I didn't know where to start looking for auto insurance and appreciate the service that Yelp provides for these type of situations, so I approach reviews seriously. Todd was extremely prompt in getting back to me, understood my needs and was very knowledgable about the insurance industry. I am an attorney and know first hand how important it is to have sufficient insurance coverage, especially if you have assets or expect to have ongoing employment! Todd was very professional, prompt, and helpful in my search. read more

Always available when I have questions/need answers. Great rates and happy humble service. Much appreciated!

I have been using Todd for my insurance needs over the past 10 years now. During this time I have bought and sold 3 houses and have used Todd's services and expertise through all of the required insurance transactions. Todd is quite knowledgeable about all things insurance. He always reviews my policy and looks for ways to further protect my assets while maximizing my savings. I highly recommend Todd Payne Insurance Service ... Thanks Todd. read more

Todd has always been very responsive on email and phone. He patiently answers all my questions and he's saved me money. He's a nice guy too so I'm very happy to give him my business. read more

I have recently found Todd thru Mercury Insurance and have been nothing less than blown away by his customer service. I have been what I would consider a very needy customer and Todd has gone to extreme leghts to accomadate my various needs. Todd worked quickly and diligently to get me the lowest rates around and kept me up to date every step of the way. I think I must have changed my policy at least a half a dozen times in the first month and I was never left with questions or wondering if i got the best deal. I would and do recomend Todd to everyone who has the need for any kind of insurance policy!!! read more

We have had the pleasure of doing business with Todd Payne for over 20 years. He is the total package...great service, kind and thoughtful and very knowledgeable. From car insurance to renters insurance...he makes it easy. Plus he is genuinely nice and helpful. In a word, he cares, He has always put our family's insurance needs first. We would recommend Todd to anyone looking for an honest, fair and thorough agent. read more

Todd has been my insurance broker for auto and renters insurance for 11 years. My loyalty as a client derives from the excellent quality of customer service he offers. Nobody wants to use their insurance, but sometimes we all get into a bind. All questions, claims, policy changes, and financial concerns have been consistently resolved promptly when I have an inquiry regarding my policy. He has not only provided me with exceptional customer service, but has also assisted me in attaining valuable premiums that benefit my cost of living. I recommend 100% read more

We have been using his services since 2008. We love him so much that decided to keep him as our insurance agent when we moved out of San Diego. He is respectful, fast, and understand our needs. Never tried to sell us unnecessary insurance stuff. Never had an issue with the long distance communication. He always responds fast when we have any questions and inquiries. On top of that he always make sure we are getting all the discounts we qualify for. I highly recommend him. read more

Use Todd!! My fiancé and I were in escrow and had been referred to a handful of different insurance reps but Todd was hands down the best. It wasn't until I spoke with Todd that I felt comfortable with understanding homeowners insurance and our needs. Todd was patient, knowledgeable and he answered all of my questions and concerns that I had, even before signing up for the insurance. I'm extremely happy with the rate and coverage we got, all because of Todd's guidance and education. I would recommend him to anyone that wants an insurance plan with an agent that will be there for you when you need them the most. Thanks, Todd! Cheers, Christine read more

Todd Payne/Prosper Insurance Solutions are great! I've never had an insurance agent before (just got insurance online, etc.), and now I see the value in having an agent. Whenever we have a question about our bill (homeowner's and auto is what we have), they are just a quick phone call or email away and are always prompt, helpful, and friendly. They answer every question and are very knowledgeable. Highly recommend. read more

Todd has always handled our families insurance needs professionally and expeditiously. We are very happy with his service.

Todd has always provided the best customer service . Always very helpful and will always do the right thing for you. You can't go wrong when going with his services. Thanks for everything Todd! read more

Todd is the best. I moved to San Diego In 2009 and purchased Mercury car insurance from him, and he has been my agent ever since. He is very knowledgable and has made several suggestions that have saved me money. I no longer even compare rates anymore because I know that he will get me the lowest. If you want to have a real agent and be comfortable that you have a good rate, then you can't go wrong with Todd? read more