Cost-U-Less Insurance Reviews

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.

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.

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 **!

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.

I called Cost U Less (888)904-6224 and spoke with a gentlemen and he said his name was Rodrigo (916)427-1222 on Florin road. As he took my information and had me repeat my driver identification number three times. Then the business man quoted me $73 and $38 a month. So I told Rodrigo I'm on my way. But I live in North Sacramento. So i went to the Cost U Less on 2870 Fulton and was helped by Roberto. I informed him about the quote I was just giving by Rodrigo. So he agreed "Ok, let me see what I can do for you", or something in that nature, "Ok, let me see what I can help you with". So the quote I got from Cost U Less (Rodrigo) wasn't the same quote I went to pay for at Cost U Less (Roberto) and manager Chekise or Cherisse.

My overall experience was ok until I received my monthly bill from the company who wrote the policy. I wasn't told about their $13.00 installment fee for monthly billing. My bill was well over what I could afford to pay. My main concern here is that the manager, Dawn, of the Pittsburg, CA office, committed fraud while my policy was being written up by Desiree, who is one of the policy writers.

I called and got a quote over the phone. Then he emailed me the quote, it was for $40.00 a month with only $72 down. When I got there to the location on Fulton Ave. Sacramento, the man took my personal documents, put them in a drawer then went on to tell me a different monthly price and a different down payment. When my father told him that we were going some place else and wanted my driver's license and car registration back, the man would not give it back. Then my father asked for them again, he still did not give it back. He turned around and said something to a lady who works there. He was holding us prisoners in the office by not giving me my documents back. I don't know if he was trying to make us get insurance with him or what, but it took 4 times of asking before he would take it out of the drawer and hand them back to me.

Cost U Less Insurance is a complete rip off. Remember they are a brokerage, so they will charge you a very high broker fee. They do this so that way the higher people up in the company can go on extravagant vacations all because the middle man, hard working class, that lives pay check to pay check, can fatten these rich arrogant people's pockets up. They will disclose the broker fee on their documents, however, they herd you in and out like cattle because the more policies they write, the more $$ they make.

My son just got a truck after 4 years of walking, bike riding, and skateboarding. He’s so excited at last! He went to Cost-U-Less Insurance then came home to tell me he had paid for 6 months of insurance for $262. So when a bill came, we just thought they made a mistake. Then, when the state sent us a notice of no insurance, it caused a lot of problems in our household. After talking to them, we had only paid 1 month to Stonewood Insurance for $40 and the rest went to yeah you guessed it, Cost U Less. He had to go out and get a different insurance. This meant more out of pocket money before they impounded the truck.

My son called to get a quote for insurance, they told him it would be $569 for the year. They told him to bring in $53 for the "Down payment and first month fee". Which he did. Then when he went to the office, they told him because of the amount of people who just get 1 month of insurance to get their car through the DMV, they had instated a policy that they needed most of the year up front and that he needed to bring in another $315 towards "The first year".

I would like to cancel a car that was stolen and was told that I could not do so over the phone. I know from previous claims I have held with Geico and Progressive that it is possible. I no longer own a car and public transportation is hard to get where I am. I cannot get to the office and he refused to email me the information or anything. They said I had to go there or fax something. I don't have money to spend on faxing. I can email and they wouldn't. I believe this office is a fraud; they never even called me back when I reported the vehicle as stolen!