Carmel Curiel Larios

Regular Office hours: Monday to Thursday 9:00am to 5:30pm and Friday 9:00am to 4:30pm, We have Evening & Weekend available by appointment only. Our phones are forwarded at 5pm our after-hours team will take your call after that time. Thanksgiving Holiday hours: Wednesday 11/26 we close at 3:00pm, Closed Thursday 11/27 & Friday 11/28 for Thanksgiving. From all of us here, we wish you a Wonderful Thanksgiving Holiday with family and friends.

For roadside assistance please call 18776275757, for our Claims department please call 18552598568, to make a payment please do so over the phone by calling 18007828332.

We are currently writing Motorcycle insurance, Auto insurance, Car insurance, Life insurance, & Disability insurance. We are NOT able to write new, Renters, Home, Condo or Business insurance currently in the state of California.

With over 24 years of unwavering commitment to serving the Santa Rosa and Sonoma County communities, we deliver personalized insurance quotes for your unique insurance need. Whether you are relocating to California or seeking the optimal coverage, our dedicated team is here to assist you—providing complimentary insurance quotes around the clock, by phone or online. Our comprehensive offerings include auto, motorcycle, life, and disability insurance, along with bundled packages available throughout California and the North Bay, with professional support offered in both English and Spanish.

As a licensed Life and Auto Insurance agent authorized across California, we take great pride not only in safeguarding families but also in contributing meaningfully to our community. We actively support the Redwood Food Bank and champion youth development initiatives in Santa Rosa, including service on the School Site Council at Piner High School.

A proud 5th generation Sonoma County native, I am deeply invested in the prosperity and well-being of our neighbors. We warmly invite you to visit our office—let us connect and demonstrate how we can protect what matters most to you with integrity and care.

November is; Diabetes Awareness Month, dedicated to increasing understanding about diabetes and its impact on millions of people. Managing diabetes effectively is important for your overall health and wellbeing. If you or a loved one has diabetes, make sure your health insurance covers necessary treatments and checkups. Taking preventive steps and staying informed can help you live a healthier life.

November Insurance Tips: Prepare and Protect for the Season Ahead

As we move into November, it’s a great time to review your insurance coverage and make sure you’re protected for the upcoming winter season and holiday travels. Here are some important insurance tips to keep in mind this month:

1. Don’t Miss Health Insurance Open Enrollment November is a crucial month for health insurance open enrollment. Take time to review your current plan, compare options, and make any necessary changes before the enrollment period ends. This ensures you have the coverage you need for the coming year.

2. Prepare for Winter Weather Winter storms and cold weather can cause damage to your home and vehicle. Check your homeowners and auto insurance policies to confirm you have adequate coverage for events like frozen pipes, storm damage, and icy road accidents.

3. Life Insurance Awareness Month November is Life Insurance Awareness Month — a perfect time to think about how life insurance can protect the financial future of your loved ones. Whether you’re experiencing life changes like marriage, having children, or buying a home, it’s important to review your policy to ensure your coverage still fits your current needs and that your beneficiaries are up to date. If you don’t have life insurance yet, this month is a great opportunity to explore your options and gain confidence knowing your family will be cared for no matter what.

4. Conduct your Annual Insurance Review Before the year wraps up, review all your insurance policies. Update any personal information, identify any coverage gaps, and explore bundling options to save money.

5. Consider Holiday Travel Insurance Traveling this holiday season? Protect your trip with travel insurance to cover cancellations, medical emergencies, or lost luggage, so you can travel with confidence.

6. Be Ready for Extreme Weather conditions; If you live in a high extreme weather area prone to catastrophic, ensure you have proper coverage for floods, hurricanes, wildfires, or other risks. Create an inventory of your belongings to streamline any potential damages.

7. Check for Auto Insurance Discounts November is a good time to ask your insurer about discounts — from safe driver rewards to multi-policy savings — that could reduce your cost.

Stay safe and secure this season by keeping your insurance up to date. If you have any questions or need assistance reviewing your policies, feel free to contact us!