COMPANY REPORT NAVIGATION
Diamond Certified Company Report

Mitchell & Mitchell Insurance Agency

Diamond Certified Company Report

Mitchell & Mitchell Insurance Agency

Diamond certified ratings dashboard
CUSTOMER SATISFACTION i
Customer LOYALTY i
Helpful Expertise i
Company Credentials i
  • Workers Compensation
  • Liability Insurance
  • License Verification
  • Business Practices
  • Current Complaint File
Phone SURVEY RESPONSES FROM 175 VERIFIED CUSTOMERS i

Jeffrey C.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

1 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I've been using them for years, and they're fantastic. I don't remember how I found them, but they were a great alternative to a similar company that I couldn't use. I would enthusiastically recommend them.

They respond quickly, and they give me the right answer. It's difficult to get the right answer most of the time, but they know the answers, and they'll connect me with someone directly, so it's pretty quick.

Karl V.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

2 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Professional

They just look out for my needs, and they cover my bases for me.

Marina S.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

3 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I tell every single friend, if they ask, that my recommendation is just Mitchell & Mitchell.

If you have any questions, they give you answers right away. If they don't have the answer right now, they call you right back. I just called with a question today and got the answering machine, but they called me back within 15 minutes. I am so happy. I am very, very happy with them.

Read All 175 Survey Responses at Ratings View
Diamond certified VIDEO PROFILE
Diamond certified company PROFILE

Gary Mitchell, President

Mitchell & Mitchell Insurance Agency provides customized insurance solutions for commercial and residential clients throughout California. The company partners with top carriers like Mercury, Blue Shield and Golden Eagle to offer a wide variety of policies, from personal insurance like auto, home and life to liability coverage for CPAs, attorneys, dentists and other industry professionals.

President Gary Mitchell says Mitchell & Mitchell Insurance Agency’s customer-oriented approach to insurance has been an important aspect of its long-term success. “We go above and beyond to make sure our clients have everything they need to be successful. Whether they need help with insurance, financial planning or just general advice, we’re there for them whenever they need us.”

Mitchell & Mitchell Insurance Agency’s comprehensive website, www.mitchellandmitchell.com, includes several resources that are designed to simplify the insurance process for its clients, including detailed claim and bill-pay information as well as an informative blog featuring timely tips and updates from the company’s employees and the community. “We strive to be an increasingly valuable resource for our clients, and having such a helpful website is a great way to do that,” says Mr. Mitchell.

Read moreShow less
COMPANY REPORT NAVIGATION

Diamond Certified Companies are Rated Highest in Quality and Helpful Expertise.

  • Why this rating is the most accurate.
  • Our editors gather deep company info.
  • Performance is Guaranteed.

DIAMOND CERTIFIED RESEARCHED CAPABILITIES ON Mitchell & Mitchell Insurance Agency

COMPANY CONTACT
Locations

California

Get Directions
SERVICES PERFORMED

Auto, Home & Life Insurance
Professional Liability Insurance
Earthquake Insurance
Special Events Coverage
Business/Commercial Insurance
Disability & Long-Term Care Insurance

BRANDS Supported
  • Kaiser Permanente

  • Anthem Blue Cross

  • Chartis

  • CNA

  • Golden Eagle

  • Guardian Anytime

  • Mercury Insurance Group

  • The Hartford

  • Travelers Insurance

DIAMOND CERTIFIED RESEARCHED ARTICLES ON Mitchell & Mitchell Insurance Agency

Company Profile

Mitchell & Mitchell Insurance Agency provides customized insurance solutions for commercial and residential clients throughout California. The company partners with top carriers like Mercury, Blue Shield and Golden Eagle to offer a wide variety of policies, from personal insurance like auto, home and life to liability coverage for CPAs, attorneys, dentists and other industry professionals.

President Gary Mitchell says Mitchell & Mitchell Insurance Agency’s customer-oriented approach to insurance has been an important aspect of its long-term success. “We go above and beyond to make sure our clients have everything they need to be successful. Whether they need help with insurance, financial planning or just general advice, we’re there for them whenever they need us.”

Mitchell & Mitchell Insurance Agency’s comprehensive website, www.mitchellandmitchell.com, includes several resources that are designed to simplify the insurance process for its clients, including detailed claim and bill-pay information as well as an informative blog featuring timely tips and updates from the company’s employees and the community. “We strive to be an increasingly valuable resource for our clients, and having such a helpful website is a great way to do that,” says Mr. Mitchell.

Read moreRead Less
Company Philosophy

“Our goal is to maintain long-term relationships with our clients, so we stay in contact with them and make sure their insurance policies fit their needs as they go through life. By taking the time to understand each client’s needs and goals, we’re able to customize an insurance plan that gives them the protection and guidance they seek.”

Read moreRead Less
Comparative Summary

Few insurance agencies earn the prestigious Diamond Certified award, which means they’ve been independently rated Highest in Quality. Even fewer can also claim more than 60 years of industry experience, but that’s exactly the case for Mitchell & Mitchell Insurance Agency. “My father, Ed Mitchell, founded this company in 1950, and we’ve spent more than six decades developing a good reputation and loyal following,” says President Gary Mitchell. “Our clients know we’re going to do whatever it takes to make sure they’re successful. In fact, a lot of our original clients are still with us for that reason, and some of their children are, too.”

Mitchell & Mitchell Insurance Agency provides all types of insurance solutions for commercial and residential clients throughout California. The company partners with industry-leading carriers to offer a wide range of policies, including personal insurance like auto, home and life; liability coverage for accountants, CPAs, dentists and other professionals; and more.

Unlike less experienced insurance agencies that take a “one size fits all” approach to providing policies, Mitchell & Mitchell Insurance Agency takes the time to customize each policy to meet the client’s individual needs. “Many of our clients have numerous lines of insurance with us because we’re able to help them in so many different areas,” says Commercial Lines Manager Gustavo Ruano. “Our wide variety of insurance services and products definitely sets us apart and gives our clients a distinct advantage.”

To further differentiate itself from its competition, Mitchell & Mitchell Insurance Agency works with more than 50 insurance companies, which means its clients aren’t limited to purchasing one particular brand. “Since we’re not tied to one company, our clients have many options when it comes to comparing products and rates,” explains Mr. Ruano. “This is especially helpful for homeowners who need specialized plans and those looking to find the best value on policies that meet their unique needs.”

Read moreRead Less
Industry Info

When choosing a new insurance agency, make sure you do your homework before making a final decision. If you need life, home, commercial business or professional liability insurance, a qualified and experienced agent can help you find the products and policies that fit your needs. But finding the right insurance agent can be difficult, especially if you don’t know exactly what you’re looking for. Here are some helpful tips for finding an insurance company that can provide you with the coverage you need.

The first thing to do is look for an insurance company that offers the types of policies you need and the features you want. To start the process, you should know the types of insurance you need (this may include ones you already have—package deals and buying multiple lines of insurance through one company can mean discounts) and any special features or custom packages you might need based on the nature of your job, personal liability requirements, or other factors.

Even though new insurance companies can be good to their clients, an agency’s financial health and history are important. Insurance policies are only as reliable as the companies that back them, so you should go with a company that has a reliable history and has been deemed financially strong by independent ratings agencies. It’s also smart to choose a company that adheres to the codes of conduct and ethics proposed by the Insurance Marketplace Standards Commission.

Should price be the factor on which you choose an insurance agency? According to Gary Mitchell, president of Mitchell & Mitchell Insurance Agency in Novato, the answer is no. “Insurance prices are set, so you’ll pay the same prices regardless of which insurance agency you choose,” he says. “Instead, you should look for an agency that has the resources to give you the best possible service and advice.”

It’s also important to research insurance agencies and their records of service. While products, premiums, rates and even claims processing can be similar from agency to agency, the individual agents within a company and the overall feel of the agency can have a big impact on your satisfaction. Look for an insurance agency that shares your goals, communicates well, is willing to explain your options and suggest different products and services, and is attentive to your unique needs and preferences.

Read moreRead Less
Frequently Asked Questions

Q: How do I get an insurance quote?

A: Call us, email us or visit our website. There will be some turnaround time because we usually have to do some research, but we’ll get you a quote as soon as possible.

Q: How can I pay my bill?

A: You can pay at our Novato office, or we have payment links on our website that you can use any time.

Q: How do I file a claim?

A: Call us, stop by our office or visit our website.

Q: What insurance companies do you work with?

A: We work with Safeco, Hartford, Travelers, Mercury, Blue Shield, Blue Cross and more. We represent more than 50 insurance companies, so we can help you find the coverage that best fits your needs.

Q: Why did my premium go up?

A: The insurance industry as a whole plays a part in pricing, as do events in the United States. It also depends on the type of insurance you’re buying, the coverage limits, the deductibles and who is covered by the policy. Insurance is state-regulated, so insurance companies have to justify any increase in rates to the Department of Insurance. Insurance brokers don’t determine prices.

Q: When should I inform you of changes in my life?

A: You should inform us any time you get married, have a child, buy a new vehicle, start a new business or have any other major life change. That way, we can let you know if it’s important to adjust your current policies, add new policies or remove existing policies.

Q: Can I save money on insurance based on the insurance broker that I choose?

A: Insurance prices are set, so you’ll pay the same prices regardless of which insurance agent you choose. What you should really look for is an agency that can give you the best service and advice.

Read moreRead Less

SELECTED PHOTOS FROM Mitchell & Mitchell Insurance Agency

View Comments
Shares

DIAMOND CERTIFIED EXPERT CONTRIBUTOR ADVICE & TIPS FROM Carl Lundgren

Expert CONTRIBUTOR PROFILE

Carl Lundgren: Face to Face

By James Florence, Diamond Certified Program Reporter

NOVATO — As a math major in college, it only made sense for Carl Lundgren to pursue an analytics-based career. However, beneath his head for numbers was a heart for people. “I majored in math sort of by default—I didn’t really have a specific goal in mind; I was just good at it,” he says. “After college, I started working for PG&E as an economic analyst, but after a while I felt the urge to break out of the cubicle environment and do something that involved more face-to-face interaction. With my math background, I was able to get into financial planning, which eventually led to a career in the insurance business.”

Today, as director of life and health at Mitchell & Mitchell Insurance Agency, Carl says his favorite part of his job is interacting with clients. “In addition to good conversation, I like learning what our clients’ needs are and addressing those needs as best as I can. I think it’s important to not only give good recommendations, but also educate clients by explaining the reasons underlying those recommendations.”

A lifetime resident of the Bay Area, Carl currently lives in Novato, where he appreciates the temperate climate and natural beauty. “Marin County is an awesome place to live, weather-wise, nature-wise and otherwise,” he affirms. “It’s also a nice proximity to the city, so I have access to all the things the Bay Area has to offer.”

Outside of work, Carl engages in a variety of active pastimes. “I like to stay in shape by swimming a couple times a week, and I also dabble in tennis, golf, and skiing,” he says. Carl also enjoys volunteering his time to the enrichment of his community. “I coach water polo at a local high school and I’m very involved in my church.” Additionally, he takes time to keep up with his four grown daughters, who are pursuing their respective professional goals. “One of my daughters is headed to physician assistant school, one is attending the University of Alabama, one is a wedding planner and one works for a computer firm in San Francisco. Keeping up with all of them keeps me fairly busy!”

When asked the first thing he’d do if he were to retire tomorrow, Carl says he’d divide his time between travel and volunteer work. “I’d definitely like to do some more traveling—I’ve always wanted to go on a safari, so maybe I’d start with a trip to Africa. I’d also like to get involved in more volunteer activities. There are lots of opportunities to help those in need, both locally and abroad, so I’d find one that really appeals to me.”

Ask Me Anything!

Q: What’s your favorite sports team?
A: The Oakland A’s.

Q: Music or talk radio?
A: Talk radio.

Q: What’s your favorite season?
A: Fall—the weather is totally awesome.

Q: What’s your favorite snack?
A: Ice cream.

Q: Did you play any sports in high school?
A: Yes, I played water polo and I was a swimmer.

Read moreRead less
Expert articles
  • Common Mistakes Regarding Beneficiary Designations

    NOVATO — If you’ve established a will or trust, you’re probably familiar with the term “beneficiary designation.” A beneficiary is any person or entity to whom you designate control of your finances and possessions in the event that you pass away. However, when it comes to determining whom to designate on your financial documents, there are three common mistakes you should avoid:

    Mistake #1: Assuming your will is the final authority. A beneficiary designation trumps what’s written in your will. In other words, if your will says one thing and the beneficiary says another, your beneficiary has the final word. So, be sure to designate a beneficiary whom you trust to respect and carry out your wishes.

    Mistake #2: Naming your minor children as beneficiaries. In most states, if an individual is under 18 years old, they won’t directly receive the proceeds of your estate. If you haven’t officially designated an of-age guardian or relative to handle these on your children’s behalf, the courts will likely appoint someone, which, in addition to being costly, may result in unintended consequences.

    For example, let’s say you’re divorced and don’t want your ex-spouse handling the funds for your kids. If you haven’t designated an adult beneficiary, the state will likely give the funds to the remaining parent on the children’s behalf. Granted, your ex-spouse has to submit an annual report to prove they’re handling those funds properly, but it can still be a little dicey. So, make sure you designate someone you trust to handle your children’s inheritance until they’re of age.

    Mistake #3: Putting your beneficiary designations on “auto pilot.” In addition to wills and trusts, things like qualified plans and life insurance policies have beneficiary designations, as most companies require that you put one down. However, since life circumstances tend to change over time (divorces, deaths in the family), it’s important to periodically review your beneficiary designations every three to five years.

    Read moreRead less
Expert video tip
  • Video: Understanding Beneficiary Designation

    Complete Video Transcription:

    NOVATO — Host, Sarah Rutan: Whether you have or are planning to make a legal will or trust, you’ll need to know some important guidelines regarding beneficiary designation. Today we’re in Novato with Carl Lundgren of Mitchell & Mitchell Insurance Agency to learn more.

    Diamond Certified Expert Contributor, Carl Lundgren: When I’m talking about beneficiary designations, I’m talking about the people or entities that you designate on a financial document. These are the people who will receive the proceeds when you pass away. Ideally, you would have an attorney review those documents from time to time. Especially if you have a trust, because a trust, and those documents, might be inconsistent in how they ready, and that could cause problems. But, often times, just naming your spouse as the beneficiary is sufficient. It depends on the situation, how much money is involved, and so forth.

    With life insurance, not only do you have a beneficiary designation, but you also have something called the insured and the owner. The insured, of course, is the person with whom the life insurance is – life is placed on. The owner is the person who controls a policy. That person can actually change the beneficiary at any time they want. So, it’s important to know who the owner of your life insurance policies are. Luckily, most of the time, both the insured and the owner are the same person. Here are three common mistakes that are made with beneficiary designation.

    Number one. Assuming that your will will take care of matters. A beneficiary designation trumps your will. So, if your will says one thing and the beneficiary says another, your beneficiary rules. So, those ought to be consistent. But, if you don’t review your beneficiary designations, then your will is not going to take care of it.

    Number two. Not reviewing all your beneficiary designations once in a blue moon. And when I mean once in a blue moon, I think once every three to five years, or sooner if a major life even occurs. All kinds of things, you know, including your qualified plans, life insurance policies and so forth, have beneficiary designations. And, most companies require that you put one down. Not always, but most of the time. So, that’s not a very common problem. But, what is very common is when you have a life change. Was there a divorce, was there a death in the family, are there children of another marriage that are involved – all those things can highly impact where the proceeds of your life insurance policy go, for example.

    Mistake Number Three. Naming minor kids as beneficiaries. The problem here is that, in most states, if you’re under eighteen, they will not give you the proceeds. If you’ve not named a guardian or somebody else to take care of the proceeds on the children’s behalf, then the courts going to appoint somebody for that. That, of course, is costly again, and it may have unintended consequences. And, for example, let’s say that you got divorced and you don’t want your spouse – ex spouse – handling the funds for the kids – too bad. Because, most likely, the state’s going to give the funds to your spouse on behalf of the kids. Grant it, they have to make a report once a year to make sure that they’re handling those funds properly, but that can be a little dicey.

    There’s a lot I haven’t mentioned on this video, but the basis are just to make sure that you review your beneficiaries regularly, talk to your agent, talk to the insurance company, talk to your attorney, of course, when possible. Thanks for listening.

    Host, Sarah Rutan: To learn more from local top-rated companies, visit our Diamond Certified Expert Reports at experts.diamondcertified.org.

    Read moreRead less
Mitchell & Mitchell Insurance Agency WEBSITE AND EXTERNAL FEED
  • Mitchell & Mitchell Insurance Agency SOCIAL MEDIA FEEDS
Diamond Certified RATINGS ON Mitchell & Mitchell Insurance Agency
Diamond certified ratings dashboard
CUSTOMER SATISFACTION i
Customer LOYALTY i
Helpful Expertise i

Each surveyed customer was asked, “If you needed any helpful expertise, did this company provide that expertise?” To calculate this score, total “Yes” responses were divided by total responses (excluding those that stated they hadn’t needed any expertise).

Company Credentials i
  • Workers Compensation
  • Liability Insurance
  • License Verification
  • Business Practices
  • Current Complaint File
Phone SURVEY RESPONSES FROM 175 VERIFIED CUSTOMERS i
Mitchell & Mitchell Insurance Agency : Average 9.2 out of 10 based on 175 unique customer surveys of customer satisfaction.

Jeffrey C.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

1 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I've been using them for years, and they're fantastic. I don't remember how I found them, but they were a great alternative to a similar company that I couldn't use. I would enthusiastically recommend them.

They respond quickly, and they give me the right answer. It's difficult to get the right answer most of the time, but they know the answers, and they'll connect me with someone directly, so it's pretty quick.

Karl V.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

2 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Professional

They just look out for my needs, and they cover my bases for me.

Marina S.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

3 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I tell every single friend, if they ask, that my recommendation is just Mitchell & Mitchell.

If you have any questions, they give you answers right away. If they don't have the answer right now, they call you right back. I just called with a question today and got the answering machine, but they called me back within 15 minutes. I am so happy. I am very, very happy with them.

Edward A.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

4 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Give them a call.

They have competitive rates and they respond on time and they are personable on the phone.

John B.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

5 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Good customer service

They take care of business immediately when I have any issues.

Elizabeth C.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

6 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are great and they have been wonderful.

How quickly they respond and help

Champion C.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

7 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would say that they always have my bad, which is what you want with an insurance company.

I would give them an "11". I like their customer service.

Norman D.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

8 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Excellent service

Excellent service

Saverio D.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

9 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are very good and friendly, very communicative.

Nothing

Roger E.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

10 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I haven't thought about that.

They seem to be responsive.

Scott G.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

11 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are good at their business.

They are knowledgeable.

Richard H.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

12 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Nothing right now

They were on time.

Jesus I.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

13 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

Very good, everything

They work fast and the quality is good.

National I.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

14 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They take care of my business needs.

They are communicative.

Alma M.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

15 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are very thorough with the information needed.

Nothing comes to mind.

Paul S.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

16 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They have done a good job of always finding a good deal for us.

They are very professional and they get the job done and they have our interests at heart.

Linda S.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

17 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They are a fine company.

They are a good company. They are reliable and they do what they say they are going to do.

David S.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

18 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I would recommend them for my type of specialized CPA insurance services.

They are not a localized company to me so I cannot tell you anything specific about their qualities other than the fact that they have done a good job for me.

Mark T.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

19 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

They were just prompt about getting me the information that I needed.

Easily available

Bruce T.

VERIFIED Mitchell & Mitchell Insurance Agency CUSTOMER

20 of 175

Quality 10
10 10
Loyalty Yes
CRITIQUE

I like them and we have been with them for several years and they seem to be on the ball.

They get back to me quickly when I have questions.

Read All 175 Survey Responses at Ratings View