Eric M. and Family Member Since 2017

Auto Insurance

We do the shopping for you.

(800) 462-8328, x4309 MAKE AN APPOINTMENT

Our insurance agents work directly with top providers to find the right coverage.

 

Agents gather quotes,1 insurance options and discounts to find new coverage or if your policy is still the right choice.

 

We'll see if bundling your home or renter's insurance with your auto policy will lower your costs.

 

Insure your car, truck, RV, watercraft, motorcycle or collector car.

 

GAP Plus protection covers your car's value if your car is damaged beyond repair.

 

Mechanical Repair Coverage provides covered repairs for new and used eligible vehicles after your warranty expires.

 

We’ll look for discounts you may qualify for, like good driver or working in education.

Gina H. MEMBER SINCE 2014

We know higher premiums are hard — especially when you've budgeted carefully.

If your auto insurance rate went up this year, you're not alone. Many of our Members are seeing increases, regardless of their carrier, and we want to help you understand why.

What's driving the changes?

  • Claims are happening more often and costing more, which affects everyone's rates.
  • Cars cost more to fix right now, from parts and labor to the advanced technology in newer vehicles.
  • Insurance companies are adjusting their guidelines, which impacts what they can offer and at what price.
  • California processes rate changes in batches, so multiple adjustments can hit at once.

Let's look at your specific situation together. We'll walk through what's affecting your policy and explore options that might work better for your budget.

Your renewal notice might look different this year.

If the numbers surprised you, we get it. A lot of our Members are seeing changes they didn't expect. The good news? A quick conversation with one of our agents can clear things up and help you move forward with confidence.

Let's figure this out together:

  • We'll walk through your current coverage and deductibles to make sure they still fit your needs.
  • We'll check for any discounts you qualify for — you might be eligible for more than you think.
  • We can shop rates with the other carriers we work with to find you a better option.
  • We'll explain what's behind the rate changes, in simple terms, without the insurance jargon.

We’ll help you decide whether sticking with your current plan or switching makes more sense for you.

Sal L. MEMBER SINCE 2013

“I didn’t know SchoolsFirst had insurance, and I was glad when I found out. The agent said, ‘Let me see what I can do for you,’ and recommended the right policy for my new car, and made everything easy. He gave me advice and I was surprised when he followed up to let me know he was able to lower my premium.”

We work for our Members – not insurers.

As an independent insurance broker, our role is to represent you — not the insurance company — through every coverage question or service interaction.

  • If you receive an offer or renewal you don’t understand, we’ll walk through it with you and explain what it really means.
  • If you have a claim issue, we can step in and help advocate on your behalf.
  • If you decide it’s time to look elsewhere, we can compare options across carriers and help you shop around.

Insurance has changed a lot recently. We’re here to help you understand your options.

A higher deductible or lower coverage can reduce what you pay now, but it also means more out of pocket costs if you have a claim. The key is finding a balance that fits your budget and protects you from a bigger financial hit later. We can walk through those trade offs and help you decide what makes sense for your situation.

Discounts vary by insurer, but many look at things like your driving history, mileage, student status, profession and whether you bundle policies. Some discounts are automatic, while others only show up when your details are reviewed closely. We’ll check each carrier we work with and make sure any discounts you qualify for are applied.

That depends on what’s changed and what matters most to you right now. Sometimes a higher rate comes with better coverage or fewer restrictions, and other times it’s worth comparing what else is available. Looking at the details side by side helps clarify whether a change improves your situation. We can review your current policy and talk through what makes the most sense based on your needs.

Getting started is usually quick. We’ll ask for a few basics — like your vehicle, drivers and current policy — and you don’t need to have everything in front of you to begin. Once we have what we need, we’ll take it from there and let you know what to expect next. The goal is to make this easy and not take up more of your time than it needs to.

Understand Your Insurance Coverage

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Monday through Thursday, 9 a.m. – 5 p.m.
Friday, 9 a.m. – 6 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 4309
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Talk to an insurance agent to discuss your options.

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Disclosures

Offered by SchoolsFirst Insurance Services, LLC subsidiary of SchoolsFirst Federal Credit Union. CA Insurance License 0I19344. Insurance products: 1) are not NCUSIF insured; 2) and are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products are not available in all states.

  1. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.
  • APR = Annual Percentage Rate. All loans subject to approval. Lowest rates reflect a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU Share Savings or Share Draft Checking account.