03/13/2026
Hello folk's! After what seems like a lifetime of wading through the California Insurance market dumpster fire, I finally had a moment to come up for air now that Heather Hilts has joined the team and has helped me get caught up. So, I figured I would check in to give you all an update and let you know my agency is still here and ready to help with your insurance needs.
While the ride we all find ourselves on is far from over, the market is starting to stabilize, and carriers are starting to come back along with some new options that are looking to fill the void the others left behind when they abandoned the state. Unfortunately, rates have increased across the board and that is probably here to stay for the forceable future as the carriers catch up on 3 decades of state regulation on said increases. The good news is that most carriers that are open for business are now starting to expand their capacity and adjusting guidelines to entertain more risks that they may have passed on previously. This means more options for the consumers and encouraging competition between carriers as they again start to compete for our business Vs. come up with any reason not to accept it.
If you are in the market for Auto, Home, Renters, Boat, Motorcycle, RV, Dwelling, Life or Commercial coverage anywhere in California please keep my agency in mind. We would love the opportunity to run some quotes for you and show you what is really available, not just what the captive agencies are offering you.
For anyone who I have failed to reply to or call back in the past I am truly sorry and I assure you it was not intentional. Prior to Heather coming on board I simply ran out of hours in the day most days and was unable to keep up. If you are still in the market for insurance, please reach out and we will be happy to see what we can do for you.
I would also like to thank all of my existing clients for their patience and continued business. The past few years have been extremely stressful for everyone in our state and your continued patronage and trust means more than you know. We promise to continue to do the best we can to keep up with market changes and continue to find you the best coverage for the most competitive rate possible.
Your local insurance agent,
David Wagner
1-209-261-2213
1-559-764-9866