Cowell & Smith Insurance
2250 Fremont St
Monterey, CA 93940-5405
Phone: (831) 372-5800 | Fax: (831) 372-5911
Monterey residents can count on Cowell & Smith Insurance to provide guidance when purchasing insurance. Visit their office at 2250 Fremont St or call (831) 372-5800 to talk to an agent. Serving the greater Monterey area and beyond.
If you're trying to find insurance agents in Monterey, CA or just looking to lower your rates we can help. Here are some tips to keep in mind.
- Cowell & Smith Insurance may assist you in finding California insurance coverage. With a local Monterey insurance agent, you have a professional contact to inquire about coverage issues, review your policy and assist you in the event of an insurance claim.
- Your Monterey auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- If you own a home in Monterey and are shopping for home insurance, higher deductibles can give you substantial savings on your premiums. If you can afford to pay a higher deductible when you have a claim, you may come out ahead by raising your deductible.
- Under no circumstances allow your insurance coverage to expire. You may find it very hard to get insurance again in California should your insurance policy expire, and your insurance coverage may cost considerably more than it had before.