Copyright 2005-2010 Kay Pacey Insurance Services, Inc. All Rights Reserved.
<body bgcolor="#FFFFFF" topmargin="2"><a name="top"> <table border="0" width="98%" align="center" BORDER="0" cellpadding="0" cellspacing="0"> <tr> <td align="center"> <a href="http://www.localfolksinsurance.com/" onmouseover="window.status='http://www.KayPaceyInsurance.com/';return true;" onmouseout="window.status='';return true;"><img src="http://www.localfolksinsurance.com/images/kpisi.jpg" border="0" hspace="45" align="left" alt="Kay Pacey Insurance Services, Inc."></a><img src="http://www.localfolksinsurance.com/images/handshake.gif" border="0" vspace="15" align="right"> <p><BR><BR><sup>California License<BR>#0E75460</sup></p> </td> </tr> <tr> <td colspan="2" align="right"> <A href="http://www.localfolksinsurance.com/media/kpisi.wmv" onmouseover="window.status='http://www.localfolksinsurance.com/media/kpisi.wmv';return true;" onmouseout="window.status='';return true;"><i><< See our new TV commercial >></i><SUP style="font-family: Arial; font-weight: bold;"><BR>As Seen on</a> <a href="http://www.courttv.com" style="font-family: Arial; font-size:8pt; font-weight: bold;">Court TV,</a> <a href="http://www.discovery.com" style="font-family: Arial; font-size:8pt; font-weight: bold;">Discovery Channel,</a> <a href="http://www.eonline.com" style="font-family: Arial; font-size:8pt; font-weight: bold;">E! &</a> <a href="http://www.historychannel.com" style="font-family: Arial; font-size:8pt; font-weight: bold;">the History Channel</a></sup> </td> </tr> <tr> <td height="2px" bgcolor="#D9D9D9"> </td> </tr> <tr> <td align="center"> <span style="color: #930;">Home</span> | <a href="http://www.localfolksinsurance.com/about/" onmouseover="window.status='http://www.localfolksinsurance.com/about/';return true;" onmouseout="window.status='';return true;">About Us</a> | <a href="http://www.localfolksinsurance.com/contact/" onmouseover="window.status='http://www.localfolksinsurance.com/contact/';return true;" onmouseout="window.status='';return true;">Contact Us</a> | <a href="http://www.localfolksinsurance.com/appts/" onmouseover="window.status='http://www.localfolksinsurance.com/appts/';return true;" onmouseout="window.status='';return true;">Products & Services</a> | <a href="http://www.localfolksinsurance.com/map/" onmouseover="window.status='http://www.localfolksinsurance.com/map/';return true;" onmouseout="window.status='';return true;">Location Map</a> | <a href="http://www.localfolksinsurance.com/auto/" target="_self" onmouseover="window.status='http://www.localfolksinsurance.com/auto/';return true;" onmouseout="window.status='';return true;">Auto Quote</a> | <a href="http://www.localfolksinsurance.com/homeowners/" target="_self" onmouseover="window.status='http://www.localfolksinsurance.com/homeowners/';return true;" onmouseout="window.status='';return true;">Homeowner's Quote</a> | <a href="http://www.localfolksinsurance.com/motorcycle/" target="_self" onmouseover="window.status='http://www.localfolksinsurance.com/motorcycle/';return true;" onmouseout="window.status='';return true;">Motorcycle Insurance</a> | <a href="http://www.localfolksinsurance.com/resources/" onmouseover="window.status='http://www.localfolksinsurance.com/resources/';return true;" onmouseout="window.status='';return true;">Resources</a> </td> </tr> <tr> <td height="2px" bgcolor="#D9D9D9"> </td> </tr> <tr> <td height="5px"> </td> </tr> <tr> <td> <table width="99%" align="left"> <tr> <td width="*" valign="top"> <p><img src="http://www.localfolksinsurance.com/images/hp_auto.jpg" width="219" border="1" align="left" vspace="5" hspace="0"> <img src="http://www.localfolksinsurance.com/images/blank.gif" height="336" width="20" border="0" align="left" hspace="0"> <strong>Get an Online Insurance Quote.</strong><BR> Getting an insurance policy from a captive agent is like...well, it's like paying too much for insurance.<BR><BR>As a non-captive agency with nearly 70 companies, we offer a greater opportunity to save on your insurance rates, and we even review your policy for a better rate prior to your renewal.</p> <p><strong>Easily Compare Quotes.</strong><BR> Get a free, no obligation quote for auto insurance, homeowner insurance, renters insurance, health insurance and boat, motorcycle and RV insurance as our automated system compares rates from California's top insurance companies to provide our customers great value at great prices. <B><a href="http://www.localfolksinsurance.com/enewsletter/important-information-about-california-auto-insurance.html">See Important Information about California Auto Insurance</a>.</B></p> <p><strong>What Our Customers Say About Us.</strong><BR> "One of our borrower's recently saved roughly $600.00 on her insurance through Kay Pacey Insurance Services. I switched to Kay Pacey and I saved hundreds of dollars as well on both my car and my home. Please keep her information in your rolodex and next time you need a new policy, please contact Kay."<div style="font-family: Arial; font-size:8pt; font-weight: bold; color: #930; text-align: left;"><BR><span style="display: block; text-align: right;">— Danielle M., Escrow Officer, <a href="http://local.yahoo.com/details?fr=dd-local-tl1&id=21431940" style="font-family: Arial; font-size:8pt; font-weight: bold; color: #930;">Old Republic Title Company</a>, <a href="http://www.mapquest.com/maps/map.adp?formtype=address&addtohistory=&address=39300%20Civic%20Center%20Dr&city=Fremont&state=CA&zipcode=94538%2d2338&country=US&geodiff=1" style="font-family: Arial; font-size:8pt; font-weight: bold; color: #930;">Fremont, CA</a></span> <div style="font-family: Arial; font-size:10pt; font-weight: normal; color: #930; text-align: left; padding-left: 15px;"> <a href="http://www.localfolksinsurance.com/health/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/health/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"><img src="http://www.localfolksinsurance.com/images/bg_health.gif" border="0" align="right" vspace="10"></a> <a href="http://www.localfolksinsurance.com/auto/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/auto/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"><img src="http://www.localfolksinsurance.com/images/bg_auto.gif" border="0" align="right" vspace="10"></a> <a href="http://www.localfolksinsurance.com/homeowners/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/homeowners/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"><img src="http://www.localfolksinsurance.com/images/bg_home.gif" border="0" align="right" vspace="10"></a> <span style="font-family: Arial; font-size:10pt; font-weight: bold; color: #000; text-align: left; padding-bottom: 0px;">Get an Instant Online Quote</span><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/auto/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/auto/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Auto Insurance</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/homeowners/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/homeowners/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Homeowner's Insurance</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/health/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/health/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Health Insurance</b> </a> </div> </div></p> <p><strong>Get Started Today. It's Fast and Easy!</strong><BR> Save as much as 60% on your insurance rates as we match your insurance needs with the best available insurance programs. Specializing in providing the best insurance available to you, fill out our form now and we'll find the insurance you need at a great price.</p> <p style="display: none;">Non-California residents - get a free quote at <a href="http://www.thelocalfolks.com/" target="_top" style="text-decoration: underline;" onmouseover="window.status='http://www.theLOCALfolks.com/';return true;" onmouseout="window.status='';return true;">theLOCALfolks.com</a>.</p> <p><strong>Compare Prices, Features and Reputation.</strong><BR>When you purchase insurance, it is important to remember to shop for insurance in the same way that you shop for any other consumer product. Make sure to compare prices, features, and reputation. Also, don't ask for "the best coverage." Someone may give you what they think you need, rather than what you actually need. It is always wise to compare coverages on your own to determine the best product for you.</p> <p style="Font-size: 9pt; text-align: justify;"><strong>We Work For You.</strong><BR>"We believe that independent insurance brokers who place business with more than one company can better assist you in finding the combination of coverage, price and service that meets your needs."<span style="block: inline; font-weight: bold; color: #930; text-align: right;"> — Drive Insurance From Progressive</span></p> <p><strong>Non-captive Agent.</strong><BR>Kay Pacey Insurance Services is a non-captive insurance agency that specializes in helping California's consumers find the most competitive insurance rates or discount program prices available from the best insurance companies. Since 1998, Kay Pacey has helped thousands of consumers save money on their insurance.</p> </td> <td width="20px"> </td> <td width="240px" align="center" valign="top"> <div style="font-family: Arial; font-size:14pt; font-weight: bold; color: #930; text-align: left; padding-bottom: 10px;">Online Insurance Quote</div> <div style="font-family: Arial; font-size:12pt; font-weight: normal; color: #930; text-align: left; padding-left: 10px;" > <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/auto/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/auto/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Auto Insurance Quote</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/homeowners/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/homeowners/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Homeowner's Insurance Quote</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.backapp.com/backapp/library/rentq.cfm?clientid=206" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/renters-condominium-townhouse/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Renter's | Condo | Townhouse</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.backapp.com/backapp/library/recvehicle.cfm?clientid=206" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/rv-motorhome/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>RV & Motorhome Insurance</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.backapp.com/backapp/library/watercraftquotev3.cfm?clientid=206" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/boat-watercraft/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Boat & Watercraft Insurance</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/health/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/health/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Health Insurance Quote</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.backapp.com/backapp/library/quick_quote_dental.cfm?clientid=206" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/dental/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Dental Insurance Quote</b> </a><BR> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.backapp.com/backapp/library/bizq.cfm?clientid=206" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/business-owners/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Business Insurance Quote</b> </a><BR><BR> </div> <div align="center" style="padding-left: 8px;" onclick="document.videoWin.Pause();"> <OBJECT id="videoWin" WIDTH="240" HEIGHT="200" CLASSID="CLSID:22D6F312-B0F6-11D0-94AB-0080C74C7E95" CODEBASE="http://activex.microsoft.com/activex/controls/mplayer/en/nsmp2inf. cab#Version=5,1,52,701" STANDBY="Loading Microsoft Windows Media Player..." TYPE="application/x-oleobject"> <PARAM NAME="FileName" value="http://www.localfolksinsurance.com/media/kpisi.wmv"> <PARAM NAME="ShowControls" value="1"> <PARAM NAME="ShowDisplay" value="0"> <PARAM NAME="ShowStatusBar" value="0"> <PARAM NAME="AutoSize" value="1"> <PARAM name="autostart" value="1"> <PARAM name="loop" value="false"> <PARAM NAME="AnimationatStart" Value="true"> <EMBED TYPE="application/x-mplayer2" pluginspage="http://www.microsoft.com/Windows/Downloads/Contents/Products/MediaPlayer/" SRC="http://www.localfolksinsurance.com/media/kpisi.wmv" SHOWCONTROLS="1" SHOWDISPLAY="0" SHOWSTATUSBAR="0" AUTOSIZE="1" AUTOSTART="1" AnimationatStart="true" loop="false" WIDTH="240" HEIGHT="200"></EMBED> </OBJECT > </div> <form name="webMail" action="http://www.thelocalfolks.com/cgi-bin/quote.asp?pass=T method="POST" align="center" style="line-height: 18px; background-color: transparent;"> <input name="mailto" type="hidden" value="KPISi.Contact"> <input name="mailsubject" type="hidden" value="Website Visitors Requests to be Contacted"> <input name="discount" type="hidden"> <a href="http://www.localfolksinsurance.com/contact/" onmouseover="window.status='http://www.localfolksinsurance.com/contact/';return true;" onmouseout="window.status='';return true;" style="font-size: 10pt; font-weight: bold;"><div style="text-align: center;"> Leave A Message </div></a> <table cellSpacing="0" cellPadding="2" width="100%" style="background-color: #dcdcdc; border: 1px solid #CCCC99;"> <tr> <td height="3px"></td> </tr> <tr> <th style="text-align: left;"> Name</th> </tr> <tr> <td align="left"> <input maxLength="256" size="35" name="NAME"> </td> </tr> <tr> <th style="text-align: left;"> E-mail Address</th> </tr> <tr> <td align="left"> <input maxLength="256" size="35" name="EMAIL"> </td> </tr> <tr> <th style="text-align: left;"> Telephone Number</th> </tr> <tr> <td align="left"> <input maxLength="256" size="35" name="Telephone"> </td> </tr> <tr> <td align="left"> <select name="when"> <option value="none" selected="selected"> Best Time to Contact You?</option> <option value="Morning" >Morning</option> <option value="Afternoon" >Afternoon</option> <option value="Evening" >Evening</option> <option value="Sunday" >Sunday</option> </select> </td> </tr> <tr> <td align="left"> <select name="type"> <option value="none" selected="selected"> Insurance Needed</option> <optgroup label="Your Home"> <option value="Home" >Homeowner's</option> <option value="Condo" >Condominium</option> <option value="Rental" >Rental Property</option> <option value="Mobile Home" >Mobile Home</option> <option value="Renters" >Renter's</option> <option value="2nd Home" >Second Home</option> <option value="Earthquake" >Earthquake</option> <option value="Flood" >Flood</option> </optgroup> <optgroup label="Your Health"> <option value="Individual Health" >Individual Health</option> <option value="Group Health" >Group Health</option> <option value="Senior Health" >Senior Health</option> <option value="Dental Coverage" >Dental Coverage</option> <option value="Vision Coverage" >Vision Coverage</option> </optgroup> <optgroup label="Your Vehicles"> <option value="Auto" >Auto</option> <option value="NationSafe" >Auto Club Membership</option> <option value="Boat" >Boat</option> <option value="Motorcycle" >Motorcycle</option> <option value="RV" >RV</option> <option value="Watercraft" >Watercraft</option> </optgroup> <optgroup label="Other Insurance"> <option value="Umbrella" >Umbrella for all Your Assets</option> <option value="BOP" >Business Owners's Package</option> <option value="Commercial Liability" >Commercial Liability</option> <option value="E & O" >Errors & Omissions</option> <option value="Commercial Liability" >General Liability</option> <option value="Other" >Other</option> </optgroup> <optgroup label="Premium Financing & Bonds"> <option value="Insurance Premium Financing" >Insurance Premium Financing</option> <option value="Bid, Payment & Performance" >Bid, Payment & Performance Bond</option> <option value="Other Bonds" >Other Bonds</option> </optgroup> </select> </td> </tr> <tr> <th style="text-align: left;"> Message or Request</th> </tr> <tr> <td align="center" style="background-color: #dcdcdc;"> <textarea name="MESSAGE" rows="5" wrap="virtual" cols="29"></textarea><BR> <input type="submit" value="Submit" name="action" style="font-size: 9pt;"> </td> </tr> <tr> <td height="3px"></td> </tr> </table> </form> </td> </tr> </table> </td> </tr> <!-- <tr> <td style="text-align: justify;"> <p><BR><strong>Non-captive Agent.</strong><BR>Kay Pacey Insurance Services is a non-captive insurance agency that specializes in helping California's consumers find the most competitive insurance rates or discount program prices available from the best insurance companies. Since 1998, Kay Pacey has helped thousands of consumers save money on their insurance.</p> </td> </tr> --> <tr> <td height="8px"></td> </tr> <tr> <td align="left" valign="top"> <div style="font-family: Arial; font-size:10pt; font-weight: bold; color: #000; text-align: left; padding-bottom: 0px;">Start With an Instant Online Quote or With Our Insurance Savings Tips.</div> <div style="font-family: Arial; font-size:10pt; font-weight: normal; color: #930; text-align: left; padding-left: 0px;"> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/auto/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/auto/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Auto Insurance</b> </a> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/homeowners/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/homeowners/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Homeowner's Insurance</b> </a> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"> <a href="http://www.localfolksinsurance.com/health/" target="_self" onmouseover="this.style.backgroundColor='#FFFFFC';window.status='http://www.localfolksinsurance.com/health/';return true;" onmouseout="this.style.backgroundColor='transparent';window.status='';return true;"> <b>Health Insurance</b> </a> <img src="http://www.localfolksinsurance.com/images/right_arrow.gif" height="6" border="0" align="middle"><a href="http://www.localfolksinsurance.com/enewsletter/insurance-fraud-tips.html"> <B>Read Expert Tips for Steering Clear of Staged Accidents</B> </a><BR><BR> </div> </td> </tr> <tr> <td> <p><strong>Compare and Save Before You Decide to Buy Insurance.</strong><BR>As a licensed California insurance agent or local insurance broker, we provide affordable insurance and the best insurance for you and your family.</p> <p>Don't drive, live in your home or gamble with your health by going with insufficient insurance coverage or no insurance. Get a free online quote using our Internet insurance quote form and get an instant online quote. Compare insurance quotes from over 30 top insurance companies with instant online rates from a wide range of insurance plans. Your completed form will pre-qualify you; therefore, you can compare and save before you decide to buy insurance.</p> <p>We have cheap insurance; however, we don't always recommend that you buy the cheapest insurance - even for high risk drivers, high risk properties or when an SR-22 is required. The low direct insurance costs will surprise you with good insurance at better prices.</p> <p>Get personal insurance protection for you and your family that will provide you with protection through routine insurance needs as well as through catastrophic and disaster situations.</p> <p><strong>Flood Insurance.</strong><BR>Did you know US Residents who live on floodplains are more than four times as likely to experience a flood than to have a fire in their home? Or that more than 25% of all flood claims originate from households in low to medium-risk flood areas? Every state has a flood zone, and with these statistics even homeowners not residing near a flood plain should consider flood insurance.</p> <p><strong>A California Insurance Agency.</strong><BR>Whether you need personal insurance, for your child or the whole family, we have low cost insurance rates throughout California, from San Diego, Los Angeles, Riverside, San Bernardino, Barstow, Bakersfield, Oakland, San Jose and San Francisco to Napa, Red Bluff, Sacramento, Roseville and Lake Tahoe.</p> <p><strong>Your Privacy is Important to Us.</strong><BR>We use the highest level of security available to safeguard your personal information. 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