I'm fairly certain that Fernando tried to scam me today on my auto insurance premium. I got a quote from him on the phone and came in to do the paperwork. When I show up, the initial payment is now $100 more than he quoted me on the phone. I ask him why that is and he tells me that my DMV record states that I had an accident a year ago, which I know isn't the case. He tells me that I will have to straighten that out with the DMV, obviously hoping that I don't have time to go and will let him overcharge me on the spot. I don't have an extra $100 around Christmas time to just be handing out to shady insurance salesmen, so I go to the DMV (fun!) When I speak to DMV personnel, my suspicions are confirmed. My record indicates no accident for last year, like I know it doesn't. Furthermore, they told me this is a common scam, and people often come in with the same story as mine. So please beware of Fernando and his tactics. I ended up going to a different broker a few blocks away who charged me 1/3 of what Fernando wanted to charge for the same exact insurance company and coverage! read more