Insurance FAQ’s

How much does it cost to use an agent or broker like Ross Valley Insurance?

There is no additional cost to you to use our services. Ross Valley Insurance works with small businesses and individuals in California, where insurance agents and brokers are paid by the insurance companies in commission. The commission amounts are built into the premiums, which are the same whether or not you use an insurance agent or broker.

What are some of the factors I might want to consider when seeking individual health insurance coverage?

  • Rates for insurance are determined by your age and your zip code of residence.
  • Regardless of whether you go through a broker, an on-line website or directly to the insurance companies themselves, the rate for a particular plan will be the same.
  • Generally speaking, the higher your deductible the lower your premium.
  • Carriers currently do not have to accept an individual applicant due to pre-existing conditions.