The real difference isn't which carrier you choose — it's who you choose to work with.
Unlike captive agents who represent only one insurance company — meaning one option and one set of rates — we're an independent agency.
If one carrier raises rates, we compare alternatives and move your coverage when it makes sense. We work with multiple reputable insurance companies, giving you options, competitive pricing, and coverage tailored to your specific risks.
One conversation. Multiple options. Better protection.
One company. One set of rates. Limited options. If rates go up, your only choice is to accept it or leave.
Multiple carriers. Competitive pricing. If rates change, we shop the market and find you better options.
When you work with Coastal Axis Insurance Agency, you're not calling a 1-800 number or speaking with a different representative every time. You're working with the owner — someone who knows your name, understands your situation, and is here when you need help.
Most insurance agencies have access to many of the same insurance carriers. The policies, pricing, and coverage options often come from the same companies. Our real value comes from the relationship, strategy, and service we provide.
We represent strong, competitive insurance carriers across California. We help you truly understand your coverage so you can make confident, informed decisions about protecting what matters most.
Work directly with the agency owner on every call and every policy.
We proactively review your coverage and shop rates when it makes sense.
We build relationships, not transactions. Your agent today is your agent for years to come.