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Mercury Insurance is our home owners insurance company. When we bought our house 4 years ago I did not know anything about home insurance. We are a family of 6 and have a lot of electronics and other valuables. I wanted to make sure would be protected in case of thief, water damage, fire, and personal injuries to name a few. Getting the right coverage was important to me. I told them what I wanted and they drew up a policy they thought we would be happy with. There were some things I did not understand and they answered all my questions. Insurance policies have so much legal language I wanted to have a friend look it over and make sure there was not any problems with it. It was a great experience and I look forward to having them carry my Home Owners Insurance on any home I own. Could not ask for better representatives that are not pushy and listen to your needs.
When I moved to San Diego I did not know what bank I should use. My mother-in-law used Mission Federal Credit Union. I did not know anything about credit unions or how they differed from banks. I could not really find much difference at first. Upon opening my account and joining the credit union I had not had any banking experience as good as this one. They are always friendly, I never have to wait very long in line, and they cover my debit purchases up to 20 dollars without a fee if I happen to get overdrawn. Recently they have added a coin machine in the lobby you can use to cash in your coins. Most banks don't really like taking time to do that but they put in a machine. Pretty cool to be able to take your lose change in and get bills for it. If you are a member of the credit union it is free to use. Non members can use it for a fee of $2 which is a lot less than the 8 -10 percent other coin machines charge you. All said, this is a great credit union to do business with. I have had no problems at all with their services.
We have had AAA car insurance for a couple years now. Every couple of years we shop around to make sure we are getting the best coverage and rates available for us. We have used AAA auto service for years but didn't realize that we could get our car insured with them as well. The service representative was very helpful and filled us in on what was best for us and as what they had to offer, without trying to sell us more than we needed or pressure us into more coverage than we wanted. There were several payment options offered to us as well. We found one that suited our budget. To be honest I have no idea how they are if you make a claim. I have never had to make one. They should be as curious and caring as they were when we got the policy.
I opened a Wells Fargo account when I was just a teenager. It was the only bank within walking distance from our house. They were very friendly and made me feel like a valued consumer. At the time they had a “Christmas Club” that I joined so I could save money throughout the year and have money in December to shop with. I thought it was the best idea yet for saving. I got a coupon book and went every pay day to make a deposit into my savings account. Now, many years later I still use Wells Fargo. I have moved to Southern California but there is one about a mile away. They are easy to get to and offer great service. Any problems that arise are always taken care of in a timely manner. As far as I can see I will always have a Wells Fargo Checking account.
I did not know much about Credit Unions when I ran across California Coast. I saw a billboard saying no service charges. I decided to check it out since my present bank stated imposing a monthly fee. They were so nice at California Coast. They took me right in and explained how the credit union works and the benefits I would have. It was $5 dollars to join but after that there were no monthly fees. They printed out 10 checks for me right there with my name and address on them. I also got my debit card right there on the spot. I had never seen that happen before They have an outside drop box that I really like. It is checked several times a day so if I do not have time to go in I can just use that and my account will be credited same day unless after 5. The lines are rarely long but if they are busy they have plenty of tellers. Most banks have done business with in the past there may be up to 10 people in line with 2 tellers open. At California Coast they will have all 4 or 5 teller windows open to accommodate the customers so they do not have to wait. I would recommend this Credit Union to anyone interested in having a no fee checking and saving account, no minimum deposit, fast , friendly service.
I needed to get insurance for my nephew. They were both young adult drivers but had no previous insurance. I knew insurance for my 19 year old nephew was going to be expensive. Geico worked with me to get the best rate we could for him. The transactions were done online which I just love. I do not like having to go to a business and talk directly with people. Doing online transactions you do not feel put on the spot and have plenty of time to make up your mind and search for comparable rates. The website was great and easy to understand. And after a few entries we had the insurance we could afford and were in the guidelines for California's insurance laws. There are several options for payments monthly, 3 times a period or in full. 5 dollar charge for monthly. I have never had to make a claim so I really can not say if they are easy to deal with on that level. But as far as getting the insurance it is a breeze. You can print out your proof of insurance right after making deposit online. Paperwork is sent to you in a timely manner as well.
I love my Chase Bank. I have had several incidents with my credit card. Once my identity was stolen. They were so helpful. Put me at ease right away as they filled out a fraud from for me, explained all the steps to it. They immediately flagged my account and open up a new one for me. I received my new card within the week. They really knew what they were doing.. The charge was lifted from my account as well. They have the friendliest team working for them. I never have to dread calling them. Another time I was going out of the country and called to let them know I'd be using my card. They put note in that my card was going to be used in Canada. I had heard some people had problems when in a different county there accounts were held until they could summit proof of identity. Chase took care of it right away and I didn't have any problems.