Charlotte was great but Mary was awful. When Charlotte was out on leave, I was force to work with Mary. She made changes to my policy without my consent. Wouldn't admit to it, nor was she helpful with making the changes. Changed to another broker. read more

I had used the same agent for almost 20 years... but when Cali got crazy with insurance, I had to make a change from Nationwide. I have known the folks at NCPA through business for a long while but had never given them an opportunity. Low and behold, my existing coverages were not sufficiently appropriated. Joe and Mary did an excellent explaining this and showing the gaps in my current coverage. Now I have the correct policies for my primary and my rental, and I even added earthquake. If you want a straight forward analysis of your coverages or if there is money on the table you want to save, I would not recommend anyone else. Thank Heaven we never had a real claim on that old policy.... Phew... Thank you NCPA read more

Overcharged with lowest possible coverage. Staff was unprofessional and argumentative. Switched carriers.

I have nothing but good things to say about NCPA. Specifically my agent Charlotte, has been the best I've come across. She is always diligent and feels like she's on your side! Thanks to her I was able to get the car of my dreams. My original insurance was quoting me extremely high and I wasn't going to be able to afford it. She worked her magic and got me a great price with better coverage and I was able to take the car home. read more

Great service & Highly Recommend! I recently bought my first home and was in need of a Home Owners insurance policy. I worked with Charlotte, she was very thorough/diligent with her explanation of the policy, what it would cover and premiums I was paying for. She also looked deeper into my Auto policy and was able to get me better coverage for essentially the same cost I was paying before. Super happy to be working with NCPA! read more

I purchased a used vehicle at a reputed dealer. The salesperson arranged NCPA agent at the location itself. I paid $516.34 to the NCPA insurance agent. As per him, the amount is covered in coming months. I signed the documentation as per him. When I see the statement online, I could see $116.34 is paid to the actual Insurance company (ANCHOR GENERAL insurance-TOPA insurance). Means they have charged $400 without my knowledge or without any information. ​ Then I informed my dealer about this. Next day, I got call from NCPA saying they are refunding $400. Then I got the cheque next day itself. After that I searched about the insurance company as I didn't heard about this company so far (ANCHOR GENERAL insurance-TOPA insurance). I could see that 98% reviews are giving poor ratings to this company. All are one star or below. Now I need to work on changing the insurance. Summary : Don't fall pray to these insurance agents. Better to avoid this insurance provider. read more

These guys are awesome! Family owned and in downtown Carlsbad (I support local business) I didn't even know exactly what my coverages meant on my previous policy before Charlotte explained them to me thoroughly and set up an adequate policy to cover exactly what I needed. This is a five star operation all around. Couldn't be more satisfied. Thanks Charlotte! read more

This is by far the best way to get insurance! Charlotte was so helpful and patiently explained everything and offered advice that would be helpful for me and my lifestyle. An incredible experience--in fact I will come here for every car and insurance policy I will ever need! I always thought getting insurance was painful but Charlotte made it so easy and affordable!! Do yourself a favor and get your insurance here! read more

Very upfront and open when helping us get insurance. We were new to the world of insurance and what it means and he laid out everything for us. Very informative! read more

NCPA Insurance services have the best customer service, from Returning my calls right away to answering all my questions. Mary Ann and Joseph both helped me obtain the best policy. They are both very friendly and assisted my every need. I recommend NCPA read more

Joseph Melita helped me get full coverage in the easiest, most efficient way possible. I would recommend him 100x plus. He comes through, doesn't waste your time and has the best service I have ever dealt with. You will not be disappointed. I guarantee he will be able to help you with all your insurance needs. read more

NCPA was recommended to me by a friend who works in sales at a local dealership. Charlotte helped me sign up did my insurance policies and has been a tremendous help whenever a question arises. They are always available and get back to me quickly. Charlotte has been a big help in saving me $$ on insurance each month. She keeps checking on my policy to make sure I am getting the lowest rate possible. Ari has also helped me and they both are great! Amazing customer service and wonderful women! Keep up the good work ladies! You're doing great! read more

STAY AWAY FROM THIS COMPANY. I bought a new car and the dealer suggested me this guys. Their quote was $500 over other insurance companies. I called them to cancel the insurance and they said they cannot refund my money!! read more

Ive been a customer here for around 6 years and I wouldn't go anywhere else! They are very kind and fast! They've always gotten me the best price possible and they really work hard to get your insurance costs as low as possible. read more

I spoke with joseph and he was nothing but helpful, i was clueless almost on what i needed to be insured properly and he has done nothing but be kind and helpful! i will 100% be referring anyone and everyone i know !! read more

I was told my payments would be one thing and now they are making me pay more after settling all issues. I can't even get a copy of my policy or a straight answer about questions I have. I have proof in emails of the unprofessional this company has shown. False advertising, it's not fair people can just rip you off and get away with it with no consequences. read more

Been with these guys since 2011. Excellent people. They really do care about their customers well being. They work really hard at getting the best policy for the lowest price. They've really treated us like family. No I was not paid to say this. read more

Do not under any circumstances use this company for your insurance services. First of all the insurance broker lied through his teeth about a everything. We bought a car and needed insurance to collect it being new to the area we thought a broker would be best. These people are a complete fraud - here is why:- 1. We wanted to get insurance for a year, we were quoted an astronomical fee of $1000.00 for 6 months plus their $350.00 broker fee. We were told that that was the cheapest we could get - we got that same price from another company for a whole year! 2. We asked for a quote for a business auto insurance - they guy was vague and said it was so expensive it was not worth it - we got a quote from another insurance company and found out that it was possible and was not that much more at all. 3. We asked to see our policy before leaving the office - we were told that it was being printed. When we asked again we were told we could go online. 4. They had great difficulty in setting up our online service with the insurer - they had to set it up using their email, then we had to go in and do it ourselves. 5. We asked if we could cancel our policy and we were told it would cost us a lot of money - it would not be worth it and that we would get very little back. We did cancel our policy and we got $883.00 back - and didn't have to pay their exorbitant fees as we did it directly with the insurer. DO NOT USE THIS INSURANCE PROVIDER THEY ARE NOT HONEST AND DO NOT GIVE YOU THE BEST DEAL - THEY ARE JUST OUT TO MAKE THEIR $350.00 FEE AS QUICK AS POSSIBLE AND GET YOU OUT AS QUICK AS POSSIBLE. THEY DON'T CARE ABOUT FOLLOW UP SERVICE. And even after we sent emails to show the differences we got vague responses and eventually we were ignored. I hope that this post will ensure that no one uses them and they treat their clients with respect and do not deceive anyone else. read more

I was searching for a good price for insurance when switching from my last carrier and found Charlotte with NCPA. This team is awesome, they found me an unbeatable price and got me insured right away with the coverage that I wanted. I highly recommend calling Charlotte for your auto insurance needs! read more

They were exceptionally helpful! They knew what worked best for me and my family in terms of suitable auto insurance as well as keeping us from getting unnecessary add-ons on our insurance. They kept us very informed on what we needed to obtain the most bang for our buck. Joseph and Mary Ann stayed late for us as well to get us renter's insurance too. We've worked with other people who tried to sell us things we didn't need. These two are out to give you honest policies that work with your budget and lifestyle. They were welcoming. They acknowledged us at the door even though they were with other customers. And just overall, kept it real. No BS from them which is how service should always be. We highly recommend their services and will continue to do so to our friends and families. Definitely a business that you can trust. read more

Charlotte was very helpful and NCPA will find you cheap insurance but it will cost $400. It's tacked on to the down payment to the insurance company. read more

Joe and his staff are the best. Honest, trustworthy, and really put the customer first. 10 stars would be more accurate.

Wow just had the greatest experience with joe. He came to the dealership to help me get insurance for my car so I could take it home. He listen to my needs and my budget for insurance and took great care of me. I recommend him and the company to anyone looking for insurance. read more

Joe was a consummate professional in helping me get the best value for car insurance. I won't go to anybody else. Go to Joe.

Working with Joe for over 20 years, has helped many of our clients with insurance, fast easy always available!!!! It's nice to have a family owned business to take care of clients with all their special needs, with very competitive pricing, call Joe when shopping for a car, he will come right to you! read more

Wow! I've never had such great service! Joe came to the rescue today! Thank you sooo much for helping me today!! Best insurance company ever! read more

This company is nothing short of... amazing! And I don't say that to be cheesy... I mean it. I've had the pleasure of dealing with the owner, Joseph, twice. Once two years ago when I bought my brand new car, and once today. Let's just put it this way.... I've been in a tough spot. A very tough spot. Because I remembered how helpful he was the first time I worked with him, I decided to go back and see if there was anything he could do to help me. He brought me to tears. In a good way! I've been dealing with so much lately, and helped me out in a way that made me think, "You know what? This isn't that big of a deal." He reviewed all my options with me, and he even helped me decide which one would be best for me. I can't thank him enough. And Joseph, if you're reading this... thank you. Thank you from the bottom of my heart for everything you did for me today. :) read more

I had NCPA Insurance for years while being stationed in California with the military. They are very military friendly and I was extremely impressed every single time I worked with them on their level of professionalism, dedication, and honestly. I always felt that I could 100% trust I am getting the best rate and coverage. Joseph, Mary Ann and Charlotte are a pleasure to work with and always answer my emails and phone calls very promptly even if it means they have to stay late or call me from home during evenings and weekends. They work extremely hard and it's commendable that they take care of their customers before themselves. I would highly recommend them if you are new to the area and want a more personalized touch on something as important as insurance. read more

IF I COULD GIVE 0 STARS I WOULD. STAY FAR AWAY FROM THEM. I recently moved from the east coast to San Diego and purchased a vehicle from Hertz. The Manager - 'Chico' told me that all cars must be insured before they are sold, so he recommended this pathetic company to me. The night we initially tried to establish a relationship I was in the dealership for an extra TWO HOURS as there seemed to be an issue with their system, as their credit card system wasnt processing, and their fax machine wasnt receiving documents. So 3 weeks later my mailbox is flooded with at least 15 pieces of mail from two separate insurance companies. One has my info listed totally incorrectly and the other says I owe a balance...WHAT? So then I call thinking im going to get clarity, and I got a very disgruntled reception from Mary who happens to be the owner from my understanding. She continuously interrupted me and the break in communication could not have been worse. I told her to email me the alternative facts she was relaying trying to explain this ludacris situation and then she says she needs to contact the insurance company first, which solidifies that she did not know what she was talking about over the phone in the first place. I am canceling my service and contacting the Better Business Bureau as soon as possible. I never have experienced unprofessional behavior to this degree. Please do not do business with them, as I would hate for someone to have to go through what I am having to go through because of their mistakes...... read more

Joseph literally saved my life he got me the best insurance i could have asked for... anyone in the area should go to him at the ford dealership in Cbad read more

This insurance brokerage company is terrible! When I bought my new car at a dealership in San Diego, I had to also purchase car insurance. The dealership provided an insurance broker, Charlotte with NCPA Insurance Services, who gave me several very expensive quotes and stated they were the cheapest rates I could get. She said the first month's payment included a deposit to the insurance company as well as the first payment. The total was over $500. Since this was so expensive, I asked if I could cancel the policy if I was able to find a cheaper rate myself. She said yes, and I inquired about how much I would be refunded at which time she said they would simply prorate the number of days that were not used on the policy. This made me feel comfortable. However, when I left the dealership, she withheld the signed documents to initiate the insurance. That night I was able to find cheaper insurance and emailed her to cancel the policy. When I called the next morning to finalize the cancellation, I could not get a hold of anyone until 1:30pm. I kept being told I would be called back. When I was finally called back, I was told I would only be refunded $200. I then asked for my original documents, and once received, I found terms added that I did not agree to. In one of the documents, she added after the fact a $300 non-refundable brokerage fee that I never agreed to. It's unbelievable that a business can do something like this and steal from a hard-working individual. I am disgusted. STAY AWAY FROM THIS COMPANY. They are fraudulent!!! read more

The only reason I'm giving a star is because that's the only way I can write about my experience. I called and tried to talk to the owner about a dispute I had with the charges that were hidden from me. He didn't let me get a word in which led to me yelling just so I could talk over him. Basically I told him that either the dealership or the insurance agency were dishonest on charges for the policy and fees. I explained how I would be able to prove they were dishonest and he just kept lying to me and told me there's nothing I can do about because I signed a contract. I have retinopathy and unless I have magnified classes text is distorted. The gentleman who helped me at the dealership had to read it to me while I signed it because I couldn't. The gentleman who helped me actually worked at the dealership and was on the phone with the owner when he was helping me so I'm not sure if he intended on leaving out the extra charges and what they were for because when I asked why the price was so high and he told me it was for the insurance down payment and first month. Later when I called to cancel the insurance is when I found out they only got $140 out of the $490 I paid. So you can see why I'm upset. I expected the owner to listen, explain, and provide good customer service but he was really rude and kept lying. Pretty much told me he needs to pay the bills and that I'm not getting any money back. Then he kept bringing up my business on Yelp and what I would do in this situation and I said that when I have an unhappy client I do everything to make it right even if it means loosing money. That's customer service. After I got off the phone I went to my Yelp page and noticed there was a fake Yelp review slandering me and the IP address is from Carlsbad so I'm pretty sure it was them or someone who works for them being that I haven't had any clients this week. If you're trying to find a honest and an agency with great customer service I would recommend going somewhere else. Very disappointing. I already accepted that I may not get my money back but even if he somehow had a solution to somehow make it right I would not be writing this review. read more

NCPA Insurance Services - No policy # No name of agent (because there wasn't no agent) watch out if you are recommended to this company from a dealer. - Auto Insurance Near Me - Carlsbad, California

See all

This insurance company started off working well for me, but there have been too many incidents with communication and customer service during my time with them. Almost impossible to reach them while on deployment, do not reply to emails in a timely manner, and the prices are outrageous. Just recently left them for another company. Thank god. read more

As a small business owner I am very pleased with the service and price.Joe went out of his way to go over all my questions.

I am currently a college student living a frugal lifestyle. When I was purchasing a car for myself he went out of his to come over and help service me at North County Ford. He was very understanding of the situation I am going through at the time of the purchase. Its a big decisiopna and they made me feel very confident that they would help. I got an awesome insurance policy especially from getting into a crash. Allstate was trying to make me pay $300 dollars for there policy which made me mad. I couldnt have been more happy about the outcome. They are very personable and enjoy every time I have to go into their office. Great people, great service. read more

My boyfriend and I have been getting auto insurance through them since September. Everyone in the office is professional as well as personable. When we call the office they remember us by name. Saves time not having to describe yourself or repeat an account number numerous times. They go way above and beyond what their job calls for! That type of treatment is huge for us. Thank you! read more

I'll never go through this company again for my insurance. I returned from deployment and had to renew my policy through this broker. They sent me an insurance card that said I was insured for a full year, but when I tried to make a claim, they told me that I was not insured because I had not made payments even though I always pay in full. Turns out my policy was only for 6 months and I paid $850, when in previous years, I paid $1060 for the full year. So the insurance company had canceled my policy. Mary Ann was extremely rude when I tried to follow up on the situation. After I sent a photo of the card, she said that the insurance card didn't come from their office (I still have the postmarked envelope and handwritten card) and treated me like I was stupid for having to explain to me so many times that I wasn't insured. I feel that they should have done something to correct their mistake, but they refused to take any responsibility and just looked to cover themselves. read more

NCPA Insurance Took care of me at north county ford. Gave me different prices and worked the best price and deals for my needs. Even came to the dealership at 935pm to help me out. read more

This insurance agency was wonderful to work with. Charlotte assisted me and she was professional and very nice. This is a family run agency and the whole office was pleasant. The rep took the time to explain the billing to me which was confusing. They even stayed open past their regular hours to help me which I thought was very nice. I know I can call anytime for assistance and am never put on hold. I read some of the negative reviews on here and was astounded as my experience with this agency has always been stellar. I think sometime insurance can be difficult to understand and perhaps frustration generated the negative reviews. I'd recommend this agency highly. read more

Was recently purchasing a car and needed new insurance due to my current company being to high with the new ride so I asked the salesman who he used and he said that he had a guy by the name of Joe that could help me out. I called joe and he offered to come talk to me in person and when he showed up he was able to save me enough money to where my monthly payment for the car and insurance was workable. I would recommend you give him a call and see if he can save you a few $$$ read more