Broker Looking for Admitted Auto Carrier in CA.

[Jerbond]

Hey party people! I have a risk that is married, with twin boys about to get licensed. Here's where it gets REALLY expensive. Husband has (2) accidents in last 3 years, and the wife has one- plus a speeding ticket. Currently insured with Farmers paying about $10K per year. The only standard market I have that will take them is Unitrin, but Uni won't cover collision. Husband has a Mercedes, so not really an option. Any ideas on a standard market? A package would be great, but at this point, I've given up on that. Or am I stuck looking in the surplus lines? Please advise.

 

[JCK818]

Progressive?

 

[Soaringagent]

Did you try Mercury or Safeco?

 

[Bertolinoins]

I would suggest trying Mercury. They have their preferred company (MIC) and their non preferred (MCC) and they have the most competitive rates for youthful drivers. They will also write different limits for the kids and parents on the same policy. At first that sounded crazy to me (and a likely E&O exposure) but I did some research (including Mercury agreeing to pay a E&O deductible)and
was comfortable with it.

 

[Jerbond]

Thanks for the input. I will probably have the client go look into Mercury when they are up for renewal.

 

[moeasadi]

Try Victoria Insurance.