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Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

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Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

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Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

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Why Choose Us?

Cliff Cottam Insurance Services has helped customers find the best possible insurance rates since 2004. Just take a look at what a couple of them had to say about us:

"I so appreciate all your assistance. I have been a Customer Service Manager for 20 years and I am use to taking care of others, which I love. Dealing with you has been a breath of fresh air....what customer service was meant to be...person to person :). 
Thanks again!"

- F. Kaiser, Office Manager, The Hofmann Company, January 11, 2012, Fairfield CA
"Anne at Cliff Cottam Insurance Services saved me $458 a year on my car insurance when I switched from Esurance to Mercury Insurance.  I am one happy customer!"

- K. Jennings, February 28, 2011, Sacramento, CA

But you might be wondering...

Why should you get insured through us us rather than go directly to the bigger insurance companies or agencies? We may not have talking animals or cavemen representing our company, but check out some of the reasons why you should consider Cliff Cottam Insurance Services:

No Broker Fees - A common misconception about independent insurance agents is that they are unnecessary middle-men who come at an additional cost and make things more complicated. Rest assured, we charge no broker fees for home and auto insurance, meaning that our service of finding you the best insurance rates comes at no additional cost! 

Our reputation - With over 50 years of experience in the insurance industry, we are well-respected in the field for our knowledge and expertise. We are active members of the American Agents Alliance, ensuring that we know of first hand insurance issues that affect our clients. We have received an A+ Rating from the Better Business Bureau and are proud to be an "Endorsed Local Provider" from financial guru Dave Ramsey. 

  

Access to discounts - Along with our razor-sharp eyes on finding money-saving opportunities, our access to multiple insurance companies allows us to find you special discounts on your insurance. These include: 
  • Good driver
  • Multiple cars
  • Good student
  • Safe car
  • Defensive driver
  • Bundling auto and home and installing a home security system
  • And more!

Customized packages - We represent multiple insurance companies giving you more choices on cost and coverage. It can be hard shopping around for insurance and having to learn all the complicated lingo that goes along with it. Luckily our people know the in-and-outs of the insurance industry. You can consider us insurance shopping guides, as we can use our expertise to help find you the perfect insurance plan to meet your specific needs. In fact, some insurance companies are only available through insurance agents such as us. Our agents will explain coverage and provide guidance for you to be more informed customers. We can save you a lot of time and peace of mind.

Real people on your side - Insurance should be handled with care, which is why we believe you shouldn't have to be put on hold at call centers or have to contact a different person every time you have questions. At Cliff Cottam Insurance Services, we are with you throughout the whole process. Our independent agents will act on your behalf if you have claim or payment issues with your insurance company. We're on your side when you most need help to make any insurance issues as stress-free as possible. 
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