Cost-U-Less Insurance

I want to refer everyone to Mr. Omar Callejas-​Valle if you’re looking for car insurance he will take care of you. Friendly vibes great customer service. I’ve been insured for over a year now. Off Highway 99 and Florin. 7213 Florin Mall Dr. Suite A

The only reason I put 1 star was because I couldn’t start the review without selecting at least 1.
My 79 year-​old mother went to this insurance company a week ago. She went in to get a quote, not a policy, because her then current insurance was about to expire. She met with Rodrigo who started fast-​talking her and before she knew it, had signed a policy thinking it was a quote. He didn’t produce a quote, he produced a policy. He took a copy of her bank card and immediately took a $ 250 fee. Why did he need a copy of her bank card? I’ve never had to provide a copy of my bank card for someone to «at will» withdraw money from your account. That sounds fishy to me. If anyone else has given them a copy of your card, I strongly suggest you close that account and get a new account and a new card.
Rodrigo then proceeded to tell her another payment due of $ 193 and another $ 145 due by the first of the month. Before the first of the month came, she got a letter telling her the policy would be cancelled. She called me, her daughter, and told me what happened. I couldn’t believe it but then again, these off-​the-​wall, not-​known, insurance companies pop up all over the place. Their sole purpose is to stay in business long enough to make lots of money from disadvantaged consumers before going out of business. I am so pissed off that she was taken advantage of the way Rodrigo did. She called him back to ask questions about the $ 250 fee that he didn’t hesitate to quickly withdraw from her account. Oh, wait! Now I understand. The copy of the card is so that if you don’t send your payment in by the due date, they’ll help themselves to the payment right out of your account. Doesn’t that seem like stealing?
She said he was rude to her on the phone and said, she’s not getting her money back. She also told him to cancel the policy. Isn’t she entitled to get a refund of at least the insurance premiums of $ 193 and $ 145? My mom is on Disability and to throw that type of money out the door hurt and then for them to not even care is simply a pathetic human being. Now’s she in a situation where she can’t pay her rent. What type of customer service is that?!! What type of company is this!!! I wish my mom had called me before she went in b/​c I would not have let her produce a copy of her bank, nor write up a policy, and definitely not speak to her the way he did. I live in San Diego and might just go to Sacramento myself to speak to this Rodrigo. Then we’ll see if he sells me the same bag of s***t, he sold my mom. As I read all of these complaints about the company, I’m not surprised. And I’m not surprised by the «canned» replies from the company to the complaints. That’s a «risk management» ploy to make people who read these posts think they care and will do something to help you resolve the issue. My mom reported the incident to the Better Business Bureau. I’m going a step further.
I did some research on «Brokers Fees» and other responsibilities of an insurance agent and company. I found the following, Barclay’s Official California Code of Regulations; Title 10-​Investments; Chapter 5 — Insurance Commissioner, Sub-​chapter 1 — Production of Insurance — Article 8 — Brokers Fees
. I’ll be writing a letter to the Insurance Commissioner of California.
Also, check out the complaints on the BBB website. If you haven’t posted your complaints there, you should. The more places we can share this information to help other people, the better. I think I’ll put it on Facebook too.
Unilocal is the best thing ever. How else can we, as customers and consumers, spread the word about unscrupulous businesses and their practices. My biggest pet peeve is bad customer service.
Angry as Hell!

broker fees are a joke. stay far away from this company. cost u less is only for people who don’t understand how insurance works. go to geico, progressive, all state. these days your can buy your policy online and don’t need a large down payment ammount.
stay far away unless you want to get ripped off and assigned to a shitty insurance company that they will find for you!

Would not recommend to anyone. The agents of any brokerage are ultimately responsible of informing any client about all information and due fees that are NOT part of the insurance.
I was unaware that they charge extra fees, and since it was electronically signed, I got hit with a broker’s fee of $ 450, which was meant to be a deposit of $ 450 for the insurance company, as I was led to believe. I found this out as the insurance agency had no record of the «deposit». After speaking with them today, I was told I was required to read all the «fine» print before accepting the conditions online. However, they were not able to provide me with the complete copy of the agreement, as I requested, further supporting that the fee was not in the contract. If it was, it was well hidden, as a fee of that magnitude should be, for any business to remain open.
From what they say, it should have been $ 250 as a broker’s fee, and $ 200 as a deposit for the car insurance, except the car insurance never received the $ 200. It never left the broker’s hands. There’s no universe in which $ 450 is a reasonable broker’s fee for CAR INSURANCE. It’s a ripoff. You’re better off dealing directly with the insurance company.

I just switched my auto policy from Esurance & saved $ 85 a month. Thanks u Travionne Scott for the excellent customer service great job for your 1^st day.

Had to get insurance fast so called this place. Had a good experience with them in the past. This time, however, was a nightmare. After Omar quoted me on a broker fee of $ 320 we were able to get the fee broken up in to two payments. The 1^st payment was taken out automatically that day and the other was set to be taken out 2 weeks later. Between those 2 weeks the second payment rose to $ 250 with no explanation why. I didn’t fight it (like I said I needed insurance fast) and asked for the payment to be broken down and moved forward as I did not have the funds to cover it at that time. They authorized to have the remaining balance of $ 250 broken in to 2 payments. 125 on the 30^th of april and 125 on the 15^th of may. This morning I checked my account and there was a charge for $ 250 pending from them. When I called them they said that there was nothing they could do about it because when I set up the «payment plan» I didn’t put any money down so their computers automatically took it out of my bank. All they could offer me was $ 50 to cover any «overdraft» fee’s my bank may have charged. WHAT ABOUT MY RENT WHICH I WILL BE SHORT ON NOW THAT YOU TOOK THAT MONEY FROM MY ACCOUNT. I understand 150% that there was nothing ILLEGAL about what they did… they had our signatures authorizing them to take it out. it’s just really f**ked up on their part. My bank said all they needed was a paper from them stating that they didn’t want to withdraw that money… and they refused, all because what they did was not illegal. Completely Unethical and morally corrupt!

Omar was such a great rep! Very informative and understanding of my financial situation. I would definitely recommend him to anyone searching for policies.

$ 450 in broker fees??? I don’t think so. Esp when he lied right out and told me that «The insurance company is requiring a larger down payment. That is why it is $ 450 up front.» I love being lied to. DO NOT go with Cost-​U-​Less and simply call the insurance company directly. The broker fee is a joke.

The experience I had at the office was ok. But somewhere down the line that was lost. Made arrangements to pay the brokeage fee in two payments; I made the first payment before the arranged date and the second payment not due until the end of the week. Well received a letter stating they are sending me to a collection agency!!! How you gonna do that when I’m keeping up my end. Trust and believe, I wish I had went straight to the insurance company!!! DON’T and I repeat DON’T deal with these people!!! They are like stalkers!!!

Rodrigo Robles was very helpful and explained all the paperwork very clear so I was able to understand:). I came in stressed about previous policy due to the other facility, but Rodrigo and Juan Madera set me up with a new policy that I am very pleased with.

Three days later and now I’m getting harassing phone calls from some incompetent b*^tch that works there telling me my policy has been cancelled.
This is the worst experience I have EVER had buying car insurance.

I’ve come here a number of times and Rodrigo and rosa have been of extreme help and maintained very professional and they always make sure that any changes that need to be made to my policy is done right away and I’m and out the door. Not to mention how friendly they are!!! I’m sitting here right now as I’m writing this lol… Rodrigo ur the bomb!!!

I’ve been a customer with this branch of insurance for more then 5 years an i liked it till they did me wrong for charging me $ 80 more on top to take off a car under my policy. Now thats a rip-​off. I found a better insurance place for my cars. An i can tell everybody this as a FACT of this place here, this cost-​u-​less is just a broker office, so that means, they’re just middle man. Deal with the real insurance company is best.

Where’s that nice manager?!
I would have given this place 5Stars but I couldn’t find that nice guy who used to take care of my business. He was the main reason why it was easy to do business here.
I felt that I could trust him. So when’s he comin’ back? I think his name is Danny.
If the owners smart, they better get him back here… fast.