Carmen M Hernaez

Tips for Finding an Agent

• Ask friends and family for referrals
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents are limited to a single company's rates
• Check to see how long the agent has been in business

Insurance Buying Tip

Consider combining your home and auto coverage together for additional discounts. The majority of insurance companies in San Jose give a discount up to 25% if you combine policies with one company.

Call Carmen M Hernaez at (408) 452-6053 or go to their location in San Jose for more information.

Frequently Asked Questions

• How can I find an agent in San Jose?
• If I file a claim will my rates go up?
• How can I file an insurance company complaint?
• What should my deductibles be?
• Why are premiums so high after a bankruptcy?