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About Us

James Hysten is bringing his 30+ years of experience in Retail Auto Finance and Commercial Banking to the insurance industry. He most recently retired from Wells Fargo Auto with 17 years of experience as a senior executive. Over the years, he has been involved with businesses of all sizes, from $100,000 to $100 million in revenue. With his wife Della, they have been very active in Real Estate Development in Southern California, having completed over 10 projects. They also have a trucking and logistics Company. Insurance is an important part of all our lives and is best served by an agent, like James, who has experience in Business, Finance, Automotive, Real Estate.

An Independent Advantage

We are Independent Agents in Costa Mesa, 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. Innovative Insurance & Aftermarket Brokers 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, 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, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.