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About Us

Monterey Insurance AgentScott Bray has been a licensed insurance agent since 1989 and a licensed California Real Estate Salesperson (BRE # 01140669) since 1992. Scott graduated from UCSC in 1976 with a Bachelor of Arts Degree in Biology. As an independent agent, Bray Insurance represents dozens of companies with the singular objective of “doing the right thing for the client”.

We are specialists in Seniors’ Insurance, including medicare supplements from United Healthcare and all major carriers, and Long Term Care Insurance. We also have extensive experience in protecting individuals, families and business owners with Individual and Group Health Insurance, Employee Benefits, Life Insurance, Annuities, Disability Income Insurance, and Retirement Planning. A California native, Scott has been living on the Monterey Peninsula since 1963. Scott works with his wife Ann, also a licensed insurance agent.

An Independent Advantage

We are Independent Agents in Monterey, California, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Bray Insurance represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.