Cheap Hyundai Santa Fe Plug-in Hybrid Car Insurance in 2024 (10 Affordable Companies)
Progressive, State Farm, and Allstate offer the most affordable Hyundai Santa Fe Plug-in Hybrid car insurance, with rates beginning at just $34 a month. Discover why these companies are favored by Santa Fe owners who prioritize economical and reliable insurance solutions. Learn more about the benefits and savings.
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Scott W. Johnson
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Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Sep 12, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Hyundai Santa Fe Plug-in Hybrid
A.M. Best Rating
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11,413 reviewsCompany Facts
Min. Coverage for Hyundai Santa Fe Plug-in Hybrid
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11,413 reviews
The top picks for cheap Hyundai Santa Fe Plug-in Hybrid car insurance are Progressive, State Farm, and Allstate, renowned for offering competitive rates and comprehensive coverage.
These providers stand out in the insurance market by combining affordability with reliable customer service and extensive policy options. Tailored specifically for Hyundai Santa Fe owners, these plans ensure maximum protection and value.
Our Top 10 Company Picks: Cheap Hyundai Santa Fe Plug-in Hybrid Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $34 A++ Flexible Payments Progressive
#2 $37 B Reliable Coverage State Farm
#3 $40 A+ Comprehensive Plans Allstate
#4 $42 A+ Online Management Geico
#5 $45 A+ Multi-Policy Discount Nationwide
#6 $48 A++ Military Families USAA
#7 $50 A Accident Forgiveness Liberty Mutual
#8 $52 A++ Customer Service Farmers
#9 $55 A Car Replacement Travelers
#10 $58 A++ Safe Driver American Family
By choosing one of these insurers, drivers can enjoy peace of mind on the road, knowing they are covered by some of the best in the business.
Searching for more affordable premiums? Insert your ZIP code above to get started on finding the right provider for you and your budget.
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#1 – Progressive: Top Overall Pick
Pros
- Custom Payment Plans: Progressive offers a variety of payment plans to fit different budgets.
- Competitive Rates: Monthly premiums as low as $34 make it very affordable. Read up on the “Progressive Insurance Review & Ratings” for more information.
- Loyalty Rewards: Progressive rewards long-term customers with lower rates and perks.
Cons
- Variable Customer Service: Service quality can vary significantly from one region to another.
- Policy Upselling: Customers may experience frequent upselling of additional features.
#2 – State Farm: Best for Reliable Coverage
Pros
- Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different business needs. Discover more about offerings in our article titled State Farm car insurance review & ratings.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
#3 – Allstate: Best for Comprehensive Plans
Pros
- Variety of Coverages: Allstate provides a wide array of coverage options, including rare inclusions.
- Bonus Features: Customers can access unique tools like Drivewise to improve driving and savings.
- Claims Satisfaction: High marks for customer satisfaction during the claims process. See more details on our article titled Allstate insurance review & ratings.
Cons
- Higher Premiums: Generally higher rates at $40 compared to other top competitors.
- Complex Policies: Some customers may find their policy options to be overwhelming and complex.
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#4 – Geico: Best for Online Management
Pros
- User-Friendly Interface: Geico’s technology offers a seamless online policy management experience.
- Competitive Pricing: Attractive rates starting at $42, coupled with comprehensive coverage options.
- Fast Claims Process: Known for a quick and efficient claims settlement process. Access comprehensive insights into our article titled Geico car insurance discounts.
Cons
- Basic Personal Interaction: Limited personal agent interaction due to focus on online services.
- Coverage Limitations: Some users might find certain coverage options less flexible.
#5 – Nationwide: Best for Multi-Policy Discount
Pros
- Strong Multi-Policy Discounts: Offers substantial savings when you bundle different types of policies.
- Personalized Service: Nationwide provides personalized service through local agents.
- Flexible Options: Wide range of policy options to cater to different customer needs. More information is available about this provider in our article titled Nationwide insurance review & ratings.
Cons
- Higher Cost Without Bundling: Premiums can be higher unless you bundle policies.
- Average Claim Response: Some customers report average response times during the claims process.
#6 – USAA: Best for Military Families
Pros
- Tailored for Military: Specialized services perfectly suited for military members and their families.
- Competitive Rates: Attractive pricing with rates starting at $48. Unlock details in our article titled USAA insurance review & ratings.
- Excellent Customer Support: Highly rated for customer service and support among military families.
Cons
- Limited Eligibility: Services are exclusive to military personnel and their families, limiting availability.
- Complex Claims Process: Some members find the claims process to be more complex than expected.
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#7 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Policies include accident forgiveness, preventing rate increases after a first at-fault accident.
- Customizable Policies: Offers a high degree of customization for personal insurance needs. If you want to learn more about the company, head to our article titled Liberty Mutual review & ratings.
- Wide Network: Extensive network of agents and online tools providing comprehensive support.
Cons
- Higher Premiums: Tends to have higher base rates, starting around $50.
- Inconsistent Customer Service: Customer service quality can vary depending on location and agent.
#8 – Farmers: Best for Customer Service
Pros
- Dedicated Agents: Known for personalized customer service through dedicated agents.
- Coverage Options: Offers a wide range of coverage options to meet diverse needs. Discover insights in our article titled Farmers insurance review & ratings.
- Discount Opportunities: Various discounts available for multiple policies, safe driving, and more.
Cons
- Higher Rates: Generally higher rates, with premiums starting at $52.
- Policy Upselling: Some customers report frequent upselling during interactions with agents.
#9 – Travelers: Best for Car Replacement
Pros
- Car Replacement Coverage: Offers new car replacement coverage for total losses of newer vehicles.
- Comprehensive Plans: Extensive coverage options including gap insurance and roadside assistance.
- Flexible Payment Options: Multiple payment options to suit different financial situations. Delve into our evaluation of our article titled Travelers insurance review & ratings.
Cons
- Above Average Premiums: Starting at $55, rates can be higher than some competitors.
- Variable Service Quality: Service quality can vary widely depending on the regional office.
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#10 – American Family: Best for Safe Driver
Pros
- Incentives for Safe Drivers: Offers significant discounts and benefits for safe driving. Check out insurance savings in our complete article titled American Family insurance review & ratings.
- Custom Coverage Plans: Allows for highly customized insurance plans tailored to individual needs.
- Robust Mobile App: Features a user-friendly mobile app for easy management of insurance details.
Cons
- Limited Availability: Not available in all states, which can be a limitation for some customers.
- Higher Premiums for Risky Profiles: Drivers with less than perfect records may face significantly higher rates.
Hyundai Santa Fe Plug-in Hybrid: Comparative Monthly Insurance Rates
When choosing car insurance for a Hyundai Santa Fe Plug-in Hybrid, understanding the cost implications of different coverage levels is crucial. Below is a breakdown of monthly rates by provider, helping you navigate the choice between minimum and full coverage options. See more details on our article titled “Full Coverage Car Insurance: A Complete Guide.”
Hyundai Santa Fe Plug-in Hybrid Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $40 $160
American Family $58 $195
Farmers $52 $175
Geico $42 $165
Liberty Mutual $50 $170
Nationwide $45 $155
Progressive $34 $150
State Farm $37 $145
Travelers $55 $185
USAA $48 $160
The table of monthly rates illustrates a range of costs depending on the insurance provider and the level of coverage selected. For example, Progressive offers the most affordable option for both minimum and full coverage at $34 and $150 respectively, which makes it an attractive choice for budget-conscious drivers.
On the higher end, American Family charges $58 for minimum and $195 for full coverage, reflecting a premium service. Other notable figures include State Farm with competitive rates of $37 for minimum and $145 for full coverage, and Allstate at $40 and $160. These figures highlight the variability in insurance costs and emphasize the importance of comparing rates to find the best deal for your specific needs.
Understanding the Hyundai Santa Fe Plug-in Hybrid: A Brief Overview
The Hyundai Santa Fe Plug-in Hybrid is a popular choice among environmentally conscious drivers seeking a versatile and efficient vehicle. Combining a gasoline engine with an electric motor, this hybrid model offers the benefits of reduced fuel consumption and lower emissions.
However, as with any vehicle, it is important to consider the cost of car insurance when purchasing a Hyundai Santa Fe Plug-in Hybrid. Insurance premiums for this particular model can vary depending on several factors. One of the factors that can affect the cost of car insurance for the Hyundai Santa Fe Plug-in Hybrid is the driver’s age and driving history.
Younger drivers or those with a history of accidents or traffic violations may face higher insurance premiums. Additionally, the location where the vehicle will be primarily driven and parked can also impact insurance rates. Areas with higher rates of accidents or vehicle theft may result in higher premiums.
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The Advantages of Owning a Hyundai Santa Fe Plug-in Hybrid
Before exploring Hyundai Santa Fe Plug-in Hybrid insurance costs, consider the vehicle’s benefits. It boasts eco-friendly features, a comfortable and spacious interior, advanced safety systems, and a quiet ride. Owning this hybrid also supports environmental conservation for future generations.
The Hyundai Santa Fe Plug-in Hybrid boasts excellent fuel efficiency, combining a gasoline engine and electric motor to enhance fuel economy and reduce emissions. Ideal for both daily commutes and long road trips, this vehicle minimizes frequent refueling stops, saving you money on gas. Discover insights in our article titled “Cheap Hyundai Santa Fe Car Insurance.”
Factors That Affect Hyundai Santa Fe Plug-in Hybrid Car Insurance Costs
When calculating insurance costs for a Hyundai Santa Fe Plug-in Hybrid, providers consider factors like the driver’s age, driving history, location, and the vehicle’s safety features. Younger or less experienced drivers often face higher premiums due to increased risk. Additionally, areas with high traffic or theft rates may also lead to increased costs, while advanced safety features in the Santa Fe Plug-in Hybrid can help lower premiums.
Another factor that can affect the insurance costs for a Hyundai Santa Fe Plug-in Hybrid is the driver’s credit history. Insurance providers may consider a driver’s credit score when determining their insurance rates. A lower credit score may result in higher premiums, as it is seen as an indicator of financial responsibility.
The frequency and distance of the driver’s commute can also impact insurance costs. Drivers who have longer commutes or frequently drive in congested areas may be at a higher risk of accidents or damage to their vehicle, leading to higher insurance premiums. Discover more about offerings in our guide titled “How does the insurance company determine my premium?”
The Importance of Comprehensive Car Insurance for Hyundai Santa Fe Plug-in Hybrid Owners
Hyundai Santa Fe Plug-in Hybrid owners should opt for comprehensive car insurance to safeguard their investment. This coverage protects against non-accident damages like theft, vandalism, fire, and weather incidents. Given the high repair and replacement costs of hybrid vehicles, comprehensive insurance offers financial security and peace of mind against unexpected events.
Comprehensive car insurance for Hyundai Santa Fe Plug-in Hybrid owners covers non-accident incidents like animal collisions and natural disasters, protecting against various risks without hefty out-of-pocket costs. Additionally, benefits like roadside assistance and rental car reimbursement enhance protection and convenience for owners.
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Comparing Car Insurance Quotes for Hyundai Santa Fe Plug-in Hybrid Models
It is highly recommended to compare car insurance quotes from different providers before making a decision. Insurance rates differ greatly between companies, so researching and comparing quotes can save you significant money. Online tools simplify this by letting you enter details to get multiple quotes quickly. Always review and compare coverage options and deductibles to ensure you’re getting the best value.
Jeff Root Licensed Life Insurance Agent
When comparing insurance quotes for Hyundai Santa Fe Plug-in Hybrids, consider the vehicle’s safety features like automatic emergency braking, lane-keeping assist, and adaptive cruise control. Insurers may offer discounts for these advanced features, potentially lowering premiums by reducing accident risk.
Besides comparing quotes, researching the reputation and customer satisfaction ratings of insurers is crucial. Reviews and testimonials from other Hyundai Santa Fe Plug-in Hybrid owners offer insights into service quality and claims handling. Opting for a provider known for excellent customer service ensures peace of mind and reliable support in case of an accident or claim.
Tips to Lower Your Hyundai Santa Fe Plug-in Hybrid Car Insurance Premiums
To reduce your Hyundai Santa Fe Plug-in Hybrid car insurance premiums, consider these strategies: increase your deductible for lower monthly rates, bundle policies for discounts, maintain a clean driving record, and complete safe driving courses.
Install anti-theft devices and safety features to decrease risk. Regularly review your policy and update it based on changes like vehicle age, location, or parking security to potentially lower your premiums further. Unlock details in our guide titled “Best Safety Features Car Insurance Discounts.”
Exploring Different Car Insurance Providers for Hyundai Santa Fe Plug-in Hybrids
When selecting car insurance for your Hyundai Santa Fe Plug-in Hybrid, consider more than just premium costs. Choose providers with a strong financial standing and good customer service reputation.
Reviews and recommendations from other Hyundai owners can also guide your decision on a provider’s reliability and service quality. Learn more in our guide titled “What is the difference between a deductible and a premium in car insurance?”
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Common Myths About Insuring a Hyundai Santa Fe Plug-in Hybrid Debunked
Common myths about insuring a Hyundai Santa Fe Plug-in Hybrid suggest higher costs, but market competition and technological advancements now make these rates comparable to traditional cars. Check out insurance savings in our complete guide titled “Hyundai Car Insurance Discount.”
The Future of Car Insurance for Electric and Plug-in Hybrid Vehicles
As electric and plug-in hybrid vehicles like the Hyundai Santa Fe Plug-in Hybrid gain popularity, car insurance is evolving with specialized coverage options for these models. It’s crucial to stay updated on these developments, as advancements in autonomous driving technology and vehicle connectivity continue to shape insurance offerings. Unlock details in our guide titled “The Electric Car: History, Quotes and Online Resources.”
Understanding the Coverage Options in Hyundai Santa Fe Plug-in Hybrid Car Insurance Policies
When selecting car insurance for your Hyundai Santa Fe Plug-in Hybrid, understand your coverage options: liability, collision, and comprehensive.
Liability covers damages if you’re at fault in an accident, collision pays for your vehicle’s damages, and comprehensive covers non-accident related damages. Assess your needs and your vehicle’s value to choose suitable coverage. Delve into our evaluation of our guide titled “Collision Car Insurance: A Complete Guide.”
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How to File an Insurance Claim for Your Hyundai Santa Fe Plug-in Hybrid
If your Hyundai Santa Fe Plug-in Hybrid is damaged in an accident, immediately report it to your insurer with details like date, time, and location, along with any photos or witness statements. Your insurer will help with repair estimates, provide a rental car, and manage compensation for covered damages. Access comprehensive insights into our guide titled “How to Document Damage for Car Insurance Claims.”
Factors to Consider When Choosing the Right Deductible for Your Hyundai Santa Fe Plug-in Hybrid Car Insurance
Selecting the right deductible for your Hyundai Santa Fe Plug-in Hybrid car insurance is crucial, as it influences both your premium costs and out-of-pocket expenses after an accident. Higher deductibles typically lower premiums, but ensure it’s an amount you can afford if an accident occurs. Base your choice on your budget, driving habits, and risk tolerance. Unlock details in our guide titled “Best Safe Driver Car Insurance Discounts.”
Protecting Your Investment: Why Gap Insurance Is Important for Hyundai Santa Fe Plug-in Hybrid Owners
Gap insurance is crucial for Hyundai Santa Fe Plug-in Hybrid owners, covering the gap between the loan balance and the car’s actual value at loss or theft. This coverage is especially important given the higher depreciation rates of hybrids, ensuring you’re not financially burdened if your vehicle’s market value drops below what you owe. Delve into our evaluation of guide titled “Is car theft covered by car insurance?”
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Exploring Additional Coverage Options for Your Hyundai Santa Fe Plug-in Hybrid
Consider adding roadside assistance coverage and rental reimbursement coverage for your Hyundai Santa Fe Plug-in Hybrid to enhance protection during breakdowns and repairs. Consult your insurance provider to tailor these options to your specific needs.
Laura Walker Former Licensed Agent
In conclusion, the cost of car insurance for a Hyundai Santa Fe Plug-in Hybrid depends on factors like driver demographics, location, safety features, and coverage options from various providers. To secure the best coverage and value, compare quotes, consider your deductible, explore additional coverage, and ensure comprehensive protection. By being proactive and informed, you can find the right car insurance for your needs.
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Frequently Asked Questions
What factors affect the cost of insurance for a Hyundai Santa Fe Plug-in Hybrid?
Several factors can influence the cost of insurance for a Hyundai Santa Fe Plug-in Hybrid. These factors include the driver’s age, location, driving history, coverage options, deductible amount, and the insurance company’s pricing policies.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Are hybrid cars generally more expensive to insure compared to traditional cars?
Hybrid cars like the Hyundai Santa Fe Plug-in Hybrid are not necessarily more expensive to insure compared to traditional cars. Insurance rates are determined by various factors, and while hybrid cars may have higher initial costs, their potential fuel efficiency and safety features can sometimes lead to lower insurance premiums.
What are some ways to potentially lower insurance costs for a Hyundai Santa Fe Plug-in Hybrid?
To lower insurance costs for a Hyundai Santa Fe Plug-in Hybrid, you can consider options such as increasing your deductible, maintaining a clean driving record, bundling your car insurance with other policies, qualifying for any available discounts, and comparing quotes from multiple insurance providers.
Does the location where I live affect the insurance cost for this car?
Yes, the location where you live can impact the insurance cost for a Hyundai Santa Fe Plug-in Hybrid. Factors such as the local crime rate, population density, and the likelihood of accidents or theft in your area can influence insurance premiums. Urban areas and regions with higher rates of accidents or vehicle theft may have higher insurance costs.
Are there any specific safety features of the Hyundai Santa Fe Plug-in Hybrid that can help reduce insurance premiums?
Yes, the Hyundai Santa Fe Plug-in Hybrid includes safety features like adaptive cruise control, lane keeping assist, and automatic emergency braking, which can reduce insurance premiums by lowering the risk and severity of accidents.
Learn more by reading our guide titled “How To Get Free Insurance Quotes Online.”
Is insurance cheaper on a plug-in hybrid?
Due to their specialized components and maintenance requirements, hybrid and electric vehicles typically have higher insurance costs than gasoline-powered cars when calculated on a monthly basis.
Do plug-in hybrids have higher maintenance costs?
Although plug-in hybrid cars are more complex than traditional vehicles, their maintenance costs are lower when considered on a monthly basis.
Are Hyundais still hard to insure?
Allstate, Progressive, and State Farm are among the insurers that have declared they will not offer new monthly policies in some states for specific Hyundai and Kia models.
Does Progressive cover Hyundai?
Progressive recently stated that due to a rise in thefts, they will no longer provide monthly insurance policies for any Hyundai and Kia vehicles, encompassing all years and models.
Access comprehensive insights into our guide titled “KIA Car Insurance Discount.”
What is better, hybrid or plug-in hybrid?
With a plug-in hybrid, you might manage to charge overnight and complete your commute entirely on electric power, avoiding gasoline use. While traditional hybrids are more fuel-efficient than gasoline vehicles, they can’t operate without using some gas.
How much does it cost to charge a Hyundai Santa Fe plug-in hybrid?
When fully charged, it costs approximately 6.6 cents per mile for the initial 31 miles, with $2.00 spent on electricity and no gas cost. Beyond the first 31 miles, the vehicle operates as a regular hybrid using only gasoline, costing about 11 cents per mile. You’ll spend $1.65 on electricity.
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What is the downside to a hybrid vehicle?
Increased operational expenses: The advanced technology and specialized engines in these vehicles mean finding a mechanic with the necessary skills can be challenging, often leading to higher charges for maintenance and repairs. Additionally, the most significant expense arises when it’s time to replace the battery.
Do you actually save money with a hybrid car?
Certainly. While hybrids typically cost about 20% more than regular cars, experts agree that this extra expense pays off multiple times if the vehicle is driven over an extended period. This is largely because hybrids significantly reduce fuel costs.
To find out more, explore our guide titled “Best Car Insurance by Vehicle.”
Do plug-in hybrids increase electric bill?
Incorporating an EV into your electricity usage and driving an average of 40 miles per day may raise your energy bills by 30% to 65% in California, based on whether you charge your vehicle during off-peak or peak hours.
Why plug-in hybrids are not popular?
Why do Hyundais keep getting stolen?
Numerous contemporary Hyundais and Kias are missing an important anti-theft feature known as an immobilizer, which stops the vehicle from starting if an unmatching key or key fob is used.
Who typically has the cheapest insurance?
State Farm offers the most affordable national car insurance, with liability-only coverage at $50 per month. American Family and Geico also provide competitive rates, averaging $61 per month. USAA has the lowest rates overall, at $34 per month.
To learn more, explore our comprehensive resource on “Best Car Insurance Discounts to Ask for.”
Is it more expensive to insure an EV?
Typically, EVs are up to $44 more expensive to insure monthly compared to gas-powered vehicles, with Tesla’s Model Y and Model 3 being the costliest models to insure.
What happens if you never plug-in a plug-in hybrid?
Essentially, it functions just like a regular hybrid. The larger battery increases its weight compared to a typical hybrid, but it compensates with slightly enhanced electric assistance and faster acceleration.
Does insurance cover EV battery replacement?
An electric car insurance policy might cover the cost of battery repairs due to a collision or another insured event like a fire. However, routine wear and tear or mechanical breakdowns typically aren’t covered by insurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
