Cost-U-Less Insurance
Cost-U-Less Insurance
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(844) 297-9472
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Based on 33 reviews that contain star ratingsSHOW RATING DISTRIBUTION

Cost-U-Less Insurance

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Cost-U-Less Insurance has home and auto insurance for California residents. The company is not a verified partner of the InsuraMatch program. InsuraMatch can give quotes from all their partners in just 10 minutes when you call. *ConsumerAffairs insurance program, powered by InsuraMatch.

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38 Cost-U-Less Insurance Consumer Reviews and Complaints

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Verified Reviewer
Original review: March 9, 2018

Few months before my renewal date, I got the head up on renewal amount and monthly payments to follow. Irritated that my premium seems to go up every time I renew with no claims filed. I closed out a bank acct that payments were being debited from, but I was manually making payments online from my new bank. My fault for not enrolling into the EFT, so they attempt to debit a closed account and my policy got canceled and charge the $27 NSF fee. I sent in my payment with fee and they reinstated my policy. To my surprise on my renewal, my premium jumped up to $680!

The pink slip that comes with my benefits says, "your auto ins premium has been adjusted to reflect the rates recently approved by the insurance dept. Some policyholders may see their premium increase while others may decrease or stay the same". REALLY? I called them to ask why, and they used the excuse that I missed a payment. After telling the rep that all fees have been paid, she says I should give it a few days for the policy to be finalized. The day before yesterday shows $500+ due by April. Yesterday showed $200+ due by April. Today shows $500+ due by today! WTH... Smh! I'm so done with this insurance. I'm in the process of searching for another before the end of the month so I can submit my 14 day notice of cancellation. This insurance is a Joke! They'll rob you in any way they can!

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3 people found this review helpful
Verified Reviewer Verified Buyer
Original review: June 20, 2017

The worst insurance company I have ever experienced. This company is a broker. The premium was OK, about an average, however there was a broker fee. My case was $245 (not refundable). It added to the total amount of the premium. When I reviewed the final paper before sign, the amount was higher than what I've expected. Therefore I decided to decline the offer. The shocking news was the total amount had been already charged to my credit card without my final signature. I complained hardly, but the customer service was not responding. Finally I called the Progressive Insurance Company which Cost-U-Less had bought insurance for me. I've got refund the premium from the Progressive Insurance Company. That was my first and the last experience with the Cost-U-Less Insurance.

4 people found this review helpful
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Original review: May 10, 2017

Tried multiple times to talk to someone about moving coverage to another vehicle after a total loss in a car accident and instead of covering me they transferred me to another agency in another area that wanted to charge another $200 broker fee. Is it legal to drop your coverage after an accident?

5 people found this review helpful
Verified Reviewer
Original review: July 19, 2016

Cost-U-Less was very rude. Wanted me to start a new claim & I wanted to stay with my insurance company I already had! She told me my policy wasn't showing up in their files that I would have to start a new policy. I refused to & said I was going to call my insurance in front of them... she started talking in Spanish to her manager. They went back & forth in Spanish. She then got up & went to get a call log to start calling customers in front of me. I then walked out of Cost-U-Less & contacted my company & made a payment that they couldn't find... I am a ** woman & they continued to speak in Spanish no tell what they were saying!

6 people found this review helpful
Verified Reviewer
Original review: Feb. 18, 2016

I called to request a cancellation because I had a new policy with another company and they gave me instructions to write a formal letter and send it to them. I made the simple mistake of not signing the letter and they continued to charge me without letting me know about the mistake. I called after the charge was made and it was already noted that the letter had no signature, so they knew about it but cared more about their money than me. I have never been treated like this in my entire life. Any other insurance company would have been willing to help me, which would make me want to come back and do business with them again, but not this one.

8 people found this review helpful
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Original review: Dec. 20, 2015

I was quoted 237 a month for ten months with a 600 dollar down payment over the phone. I made the down payment over the phone. I began to be billed at 337 a month for eleven months. I called about the mistake on the billing and I was assured that the policy would be going to underwriting for corrections. That never happened. Policy also does not cover any accidents or claims for the first three months... I was mentioned that after I bought the policy. Unless you like dishonest, lying and an inferior service of insurance... and like to pay premium rates for sub-adequate insurance look elsewhere. I am totally disgusted by finding out their call center is in Tijuana, Mexico...such a ripoff.

12 people found this review helpful
Verified Reviewer Verified Buyer
Original review: Sept. 11, 2015

I had low income auto insurance policy with Infinity and one week ago I bought one car for my son but my son is not eligible in my low income policy as he is under 19. So I had to cancel my low income policy and had to buy insurance from other company for my two cars including my son in the policy. So I called Cost-U-Less Insurance agent in my city Modesto, CA. They quoted me over the phone $100 down payment and $80/month premium but when I went there they said $124 down payment & $102/month premium, so I agreed upon and made payment of $124. After that they took my signature on 20-30 pages without giving me time to read all those paper. Now I got bill from Insurance company stating $115/month premium and $100 deferred down payment past due notice. Now I am trying to hold the agent but he is not picking up the phone. Is there any way to take legal action against them?

9 people found this review helpful
Verified Reviewer
Original review: Sept. 3, 2014

A couple of years ago my Ins Broker was bought out by this cost-u-less ins broker. To this date, I have still never received anything from them stating that the company was taken over by... moved to another city, or that I have a new agent. April I was in an accident. Mos later, I still can't get them to call me back. 1.5 yrs ago I bought a Camry, request No Chngs, other than remove the old car and add the new. The broker rewrote the policy Removing emergency car rental which has cost me dearly. They will not even send me a renewal notice in English so I can read what they're trying to sell me for the next year to come.

17 people found this review helpful
Original review: Sept. 2, 2014

Beware! Dishonest group of people who charges undisclosed fees to earn a commission. Look up how complaints are against them with BBB and Dept of insurance. Unprofessional image and matter of handling business. They charge fees for everything like making payment and making changes to your policy. You can get better rates online. You've been warned.

27 people found this review helpful
Original review: May 14, 2014

We've been in this company for almost 4 months now. First payment/bill was okay. Second, same thing, and third not only this month, they send us bill that is way too high on what we sign on and agreed upon. So we called them and they ask us about our concern only to find out that Rodrigo was not there so they asked us to go in the office at 3 pm which we did. As we enter the office, Rodrigo was there and he already knew about our complaint. We show him the papers they recently mail to us and our original copies which we sign. HE SAID, "It's fine," they will only charge us $199, same amount we used to pay. And He also said everything was taking care of. Thought it will be fine as he told us only to find out they charge us the latest bill they send which $570. Wow!! And now we're planning to terminate our policy. Now that I know that this company is a lie, full of lie.

18 people found this review helpful
Original review: March 1, 2014

I purchased a car yesterday. I called Cost U Less to add the vehicle to my current policy and to my surprise I was told it will cost me $149 for an endorsement fee and needed to pay that before vehicle can be added. I didn't understand that why would I have pay that amount to add vehicle and on top of that my insurance would go up an additional $110. Cost U Less is rip off. Now I need to contact their online, because that where I started my policy to see if the fees will be waived. What a hot mess. Never do business with Cost U Less. Snakes. True rip off.

16 people found this review helpful
Verified Reviewer
Original review: Feb. 17, 2014

I went in to the Temecula Cost-U-Less office (across the street from the DMV) and let the agent know that I wanted to add a car onto my current policy. The agent said that this was not possible and recommended that I start a new policy even though I had 2 months remaining on my current policy. I found this to be extremely odd and questioned what the agent was saying several times. So he kept making trips back and forth to the office manager (**) with price quotes. I felt that something wasn't right and balked at the deals they were offering. The agent then went and got the sales manager to come out front and talk to me. He (mgr) said that my current policy was not renewable and that Cost-U-Less was no longer doing business with this company (Clearside Insurance) because of this change in the way they do business (of not renewing at the end of the year).

Unfortunately, I assumed what they were telling me was the truth and signed up for new liability auto insurance. A week later I received a letter from Clearside Insurance and decided to give them a call. I asked about their policy to not renew policies at the end of the year and they informed me that they don't currently or have they ever had a policy to drop clients at the end of the term saying, "We are not in the business to lose customers" And offered to send a renewal offer and added my car onto my current policy at no extra charge (Cost-U-Less was trying to charge me almost $400 a year to add a car). I now am paying for 2 policies and Cost-U-Less is not returning any of my calls.

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18 people found this review helpful
Original review: Jan. 28, 2014

I called previously for quote on two cars, changed mind. A few months later kept receiving calls from Turlock location to come in for a once in a lifetime offer. After a few calls and needed car insurance to register car called. I spoke with a rep gave quote over phone, exact bottom line dollar amount all information was true accurate. No change of information when I went in. However came in things changed not to much like $5-$10 more. No bad because Rep said he was adding roadside assistance and I wanna say a gift card or something I can't recall, so I felt money was worth it.

I am a firm believer and person who takes your word and give my words. I despise people that tell you something on the phone then it's not the same when you go in. Anyhow signed, sealed, and I left ready to go wherever now I was protected. I had to go to take clothing to Berkeley from Patterson, loaded the car and my 6 yr old. We're on our way, no more than 10 min passed car felt funny so I starting slowing down veering to right. Good thing I did, bow out scared up both beyond words. So I was like thank goodness Rep gave me roadside, I'll be on my way. NOPE...called 800 for assistance, rep told me I didn't have it.

Wtheck, called the office ask for the rep, he was off that day, requested manager advised he'd have to confirm what happened. Long story short Rep never called back, manager never followed up, only initial conversation was to wait til rep came to confirm what. I called corporate filled a complaint but nothing. No ownership, no accountability for telling me something to lock in a price that wasn't told to me at first, then never giving me what I agreed to. Cost you Less in Turlock by the College Stan State, NOT COOL! That rep was Assyrian, very nice guy so I was like wow, I wish I remember his name, I only mention his race because I think his name was Thomas but I know he was Assyrian because we talked about his culture and I have Assyrian friends. Next time everything will be in writing.

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9 people found this review helpful
Original review: Dec. 21, 2013

Accurate and fair. Okay, I was quoted $120 a month with a $20 broker fee and a $220 charge which I asked about very clearly and thoroughly making sure to get yes/no answers. I was told that the extra charge was prepayment on my insurance policy. I asked "so my insurance is paid for until February?" and she said yes. Told me the money was put in a fund to cover the first three months of coverage. Nothing anywhere in our conversation did me paying twice has much in broker fees as the actual policy was ever discussed. I was lied to flat out, no questions asked. Lied to and ripped off. Since so many people have this problem, I request that people contact me so that we can pursue resolution of this problem so many have had with Rip-u-off.

12 people found this review helpful
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Verified Reviewer
Original review: Sept. 18, 2013

A wonderful neighbor of mine backed into me because she wasn't paying attention. It took forever to get anything done because the insurance company wasn't able to get in touch with her and they had to speak with her before anything happens even though it’s been months and she’s been avoiding their calls. And then supposedly she said that we both backed into each other in which the pictures I provided shows that’s not what happened at all. One of the 2 is lying just to get out of having to pay out money. The insurance company, which was mine too, clearly voided my statement and took her word over mine. Then they sent the check for half the amount of the damage to the wrong place, this insurance company is related to GMAC and both are clearly incompetent.

8 people found this review helpful
Verified Reviewer
Original review: Sept. 3, 2013

I am so furious with this company, because I paid a $235 broker fee to them. But it was only after they lied to me and told me that they would cancel my car insurance policy if I didn't pay it. They also said it was in the paperwork that I signed or agreed to that this was an understanding how much the broker fee actually was. Which is totally false. I double checked the paperwork and no where in there does it say I owe that much in broker fees. So when I called them to complain, they hung up on me after putting me on hold for twenty minutes, and then when I call back they said they are having technical difficulties and that someone would call me back.

This whole company is a scam cause even when I called the actual insurance company, they told me that since my policy has been open the only person that could cancel my account was me. Stupid huh, I am still trying to get a hold of this company. If anyone has any helpful hints I would love to hear them. Thank you.

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11 people found this review helpful
Original review: Aug. 1, 2013

This insurance company did nothing but took, took, took. They were not worried about satisfaction or anything. I recently signed up with Cost-U-Less. They made It seem like they would help you and work with you to pay for reasonable insurance. After we talked about a 50.00 monthly bill...the man told me I had a 300.00 balance that needed to get paid by the due date or they would throw on a late fee. He also gave me a number to call and said "They will work with you so you don't have to pay the full 300.00 balance".

I put down 100.00 and called the number to work out a plan to pay the rest. When I called, the man was only interested in my credit/debit card and which one I would pay with. He was not helpful and did not seem to be happy to work out a payment agreement. I am now In the process of canceling and will not advise anyone to go to Cost-U-Less!

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9 people found this review helpful
Original review: March 13, 2013

I was buying a new vehicle and unluckily called Cost-U-Less which should be Cost-U-Lots considering they will do anything they can to obtain money from you. I was signed up and had to pay $339.55. About 10 minutes later, State Farm offered me a better policy for only $121 a month. I immediately called Anthony ** from Cost-U-Less to cancel the payment. He asked me to hold on, then hung up on me. I called back and another man answered, said that he would transfer me to him and they hung up on me again.

I decided to email Anthony back about needing to cancel and I got no response. He was very attentive while I was signing up and I had previous questions; he would email me back fairly quick. The second I attempted to cancel service, they decided to stop responding. I had to go to State Farm and my bank to cancel these payments in November. Finally, the bank and State Farm canceled my service and refunded me my money. On March 10th, I received a letter in the mail that a collection agency was trying to collect the money from me for Cost-U-Less.

I called in to the 800 number and got a supervisor after explaining my situation. He told me they must refund me if I canceled my service within 24 hours. I told him I tried to cancel my service but got the runaround and he said not to worry, that since I canceled through State Farm the same day, but I would need to talk with customer care to get it taken care of. They were closed so I called today to find out that since I myself didn't cancel service, they won't refund me my money and it is now in Cancellations.

I explained what happened and that I have all of the papers showing my attempts and the call records. He said, "That's not an excuse," and that they will not cancel the owed amount. I told him that the supervisor said it was supposed to be closed and he kept talking over me about how it doesn't matter what I was told the problem was, that I didn't go into an office. The closest office to me is 2 hours away. This company has 0 customer service. They are slime and it disgusts me that they even exist after seeing all of these complaints. If a company cannot be run properly, then it should be shut down. Never in your life attempt to contact this company for service.

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13 people found this review helpful
Original review: Feb. 12, 2013

These people conned me into switching my policy over when all I wanted to do was add on a vehicle to my existing policy. They said they had a different company that would save me money. I paid $535 for a deposit on the new policy. He told me come back in so he could take pictures days later. I go back in and get charged another $112. He (Justin) conned me into switching policies and it cost me almost $650. It would've only cost me $200 to just add it to my existing policy. He also lied about how much the insurance would be monthly. Upon calling customer service, they offered me $40 back. Really?! After screwing me out of over $450, is $40 really going to make a difference? Worst insurance company ever! I would never recommend them to anybody! I told them I just wanted to add on a vehicle and he screwed me into making a new policy that cost me even more money and he cancelled my old policy!

7 people found this review helpful
Verified Reviewer
Original review: Jan. 14, 2013

I went to Cost-U-Less in El Cerrito, CA for auto insurance. I spoke to an agent named Chantella. I already had SR22 coverage and needed to add on my new vehicle. She smiled and conversed with me, and told me to pay an additional fee of $141.00 to add on my vehicle. I agreed and paid the additional fee. She took pictures of my vehicle and gave me my insurance card and policy declaration page, stating my vehicle has full coverage. A couple of weeks later, I called my insurer to make a payment and they told me my policy does not exist. I called Cost-U-Less to understand why I paid a premium on a policy that doesn't exist. I waited on hold for over an hour. Then I was told that I have to go back to Chantella at Cost-U-Less in El Cerrito CA to re-sign for a new policy, which means I have been driving without insurance.

This experience has made me disgusted with Cost-U-Less and their insurance agents. I do not recommend Cost-U-Less to anyone. I was not offered any additional compensation.

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8 people found this review helpful
Original review: Dec. 4, 2012

Be aware! This company is a complete rip-off! $200+ alone on "Broker" fees, which I had no idea what it meant, to do business or deal with an insurance "Broker"! My fault for not doing my homework on this company! First off, when you call, you get a really great quote, which seems very reasonable based solely on car insurance policy. But you can search for deals yourself and pay just a little more for policy without any extra fees! Of course, they never mention extra fees over the phone! You walk in the office, assuming you are starting a new policy based on or at least around the quote given. Once there, agent sparks up a nice conversation. Oh how many kids do you have? How long have you been with your boyfriend/husband? Aww, how old is your little one? Then after talking about work and the weather, you find out the actual rate of policy is actually more than what you were told. Ok fine, let’s proceed. Then, all the forms are gradually being presented for you to sign and by the time you're nice and comfortable. The Broker fee agreement is quickly snuck in there among the other forms! Bam, you signed without reading the complete document!

I did mention to agent I have very little knowledge of insurance policies/agencies, and even after numbers didn't total up, I question, "Wait, what is this fee? Is this all included in policy?" She says, “Yes, yes, I'll explain.” Whatever! She never broke it down to explain fees! They even highlight with marker the total of the term policy and monthly payments. So like a dummy, I assumed those little extra fees "I" brought up myself were included within the highlighted numbers since policy was higher than first quoted. So after the long talk and back and forth, agent going to the printer, receiving advice from her manager, by the time, that "Broker fees agreement" is quickly in front of you. You're just signing away! I wish I never called them for a quote. It was clearly a big mistake! People don't do business with Cost-U-Less! Because it will actually Cost U More!

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14 people found this review helpful
Verified Reviewer
Original review: Oct. 19, 2012

$222 broker fee and lied to all the way through the process. Warning, warning, warning. These people are thieves.

10 people found this review helpful
Verified Reviewer
Original review: Oct. 18, 2012

A few months ago, my dad's truck was hit by a Concord, CA city worker. Police came, took the report and stated that it was that worker's fault. So, I took all the paperwork to the Cost-U-Less Insurance. And what did they do about it? Absolutely nothing. I tried to to deal with the City of Concord myself for them to fix my truck and they don't seem to want to pay for that. Why do I have a full coverage insurance with these guys and had to be having this headache? I will just leave it like the gosh!

9 people found this review helpful
Verified Reviewer
Original review: Sept. 27, 2012

Your employees are being conditioned socially by each other to treat your customers in a demeaning fashion. They are losing the Cost-U-Less company near the millions threshold, I would wager. I do not think you are aware of what they are doing to your customers. You just lost this customer and I always pay early. I switched my insurance companies (in your network) and paid two early payments. Neither payment was applied to my downpayment as I had requested and now no one is contacting me back. My first call to resolve this was on Saturday and it is now Thursday. I have made an attempt and left messages to correct this every day and your employees are not allowing me to contact the correct individuals who are not socially trained to lie to their managers about what is going on or be sure that real management is aware that the employees are doing this to the business as a whole. Be careful. Your employees are losing the business a lot of money.

7 people found this review helpful
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Verified Reviewer
Original review: June 28, 2012

Cost-U-Less Insurance, after a lot of calls and many troubles, they will pay me back $41.00 for the 3 days I had the insurance out of the $160.00 that I paid them. That means although I didn’t even get a policy, for 3 days they are charging me $119.00 and claim that it is according to the terms of the policy, a policy I never got so can't read. I would never recommend that insurance to anyone. They rush you in, sign this and out you go. They don't listen closely to what you want. I am disabled and I do not have that much to live on.

6 people found this review helpful
Original review: June 12, 2012

I had the worst experience ever in my life that I literally am still in the office and had to get online to complain. Never in my life have I dealt with so many unprofessional people, who do not seem to know how to do their jobs. The customer line routed me to 3 different numbers, and in the end, no one can help me and I have to drive my car uninsured to the office, only to get disappointed too! If I have to come online to complain about this company, it's saying a lot. After my contract is over, I will never be insured with this company again; and I would rather pay more for a better company! I would not recommend this company to anyone.

6 people found this review helpful
Original review: March 21, 2012

I needed to get liability insurance prior to registering a new vehicle. I was going to the DMV Modesto and noticed that right across the street was an insurance company, Cost-U-Less. So, I went in and ended up purchasing the policy from them. They charged me $170 the day I went in (Friday, March 16, 2012) and told me I would have to bring another $100 the following Friday, March 23, 2012, plus pay an additional monthly premium to Stonewood Insurance of $42/month starting in April. I was totally unaware that insurance cost so much but I needed it to register the vehicle so I paid it. After leaving, I spoke with someone about the cost and they told me that was way out of line. I made a few calls and found out that for the amount I paid to Cost-U-Less, I could purchase a policy for about $42 down and $41 per month and have higher limitations and uninsured motorist.

So today, Tuesday, March 20, I went to another insurance company and purchased insurance. I called Cost-U-Less to see if I could get a refund and they told me that I signed the paper. I couldn't even cancel the policy over the phone. They told me that I needed to come in to their office and pick up some form to complete and mail back. The Dept of Insurance should do something about this company and others like them. They are totally taking advantage of people, especially when the economic picture is so bad. I don't have extra money like that to pay and feel they totally stole money from me. I have also been told that they in fact own Stonewood Insurance and they act like they try and get you the best deal possible. Yeah, right! I have a good driving record, no DUIs, speeding, accidents, etc. I was just in a hurry and they were convenient. That's why they have their businesses right across the street from DMV offices so that people get sucked in by convenience not realizing that they are being taken for a ride.

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7 people found this review helpful
Original review: Jan. 24, 2012

I worked for Freeway many years and the treatment to employees and service to customers are horrible. Freeway will charge on top of high broker fees, they will charge endorsement fees which are charges for any changes to your policy such as deleting/adding a car, change of address, adding/deleting a driver, etc. These fees are all for the agency including broker fees and a tiny percentage goes to the agent that is why they try to hit you high with broker fees so they can get some money out of you.

Broker fees are negotiable and should not be high. Employees are trained to pressure uneducated and order taking customers so watch out. If you guys get lied to or experience dishonest business, feel free to file your complaint with California Department of Insurance. Enough of these complaints can eventually shut them down.

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10 people found this review helpful
Original review: Jan. 10, 2012

Undisclosed charges noted as "fees", constant harassing phone calls urging renewal (though I already had changed carriers), invalid/expired mailing address in Rancho Cordova required for mailing notification of cancellation. Do not do business with this firm! Mailings urging renewal (with $45.80 renewal "fee") continue to come in despite my having cancelled coverage with these **!

6 people found this review helpful
Original review: Jan. 3, 2012

Since I signed up with this auto insurance I have been harassed. I have not ever been late and I continue to get letters in the mail saying I owe a late fee or my insurance will be canceled. I recently had an auto taken off my policy and I was charged a $35 fee in which I paid and am still getting a letter in the mail stating I owe for this fee. It was paid in person on 12/6/2011.

7 people found this review helpful

Cost-U-Less Insurance Company Information

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Cost-U-Less Insurance

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