Phil Cothran

October is here and as the fall season brings cooler weather, busy holiday traditions, and time spent with loved ones, protecting your assets is more important than ever! Our team is proud to be a friendly, knowledgeable resource for families across California, Arizona, Nevada, and Oregon.

Our team is proud to be a friendly, knowledgeable resource for families throughout California, Arizona, Nevada, and Oregon. Since becoming a State Farm agent in 1989, I have enjoyed helping people understand their insurance options and protecting what matters most. Whether you're looking for Auto Insurance, Life Insurance, or a review of your current coverage, our office is here to provide personalized service and straightforward guidance. Helping families prepare for the unexpected and care for the people and things that matter most has always been at the heart of what we do.

I have been a lifelong resident of Fontana and continue to stay deeply involved in the community I call home. Before entering the insurance industry, I served as a local pastor, and that desire to help others continues to guide my work today. I am honored to serve as President of the Fontana Chamber of Commerce and remain active with numerous local boards and organizations, including the Historical Society, Art Association, Youth Helpers Inc., and Laurel Pines Camp. I also served as Chairman of the San Bernardino County Workforce Board for 40 years and have been a Reserve Police Officer for more than four decades. A graduate of Fontana High School, I attended Chaffey College and earned a bachelor's degree from Pacific Coast College.

Family and community are a big part of my life. My wife and I have been married for 46 years, and together we have four children, 11 grandchildren, and a dog named Jake. Two of my children have followed careers in insurance, including my oldest daughter, who shares an office with me. Our office includes 12 team members, many of whom are bilingual, allowing us to assist customers in both English and Spanish. We are proud to serve families in Fontana, Rialto, San Bernardino, Rancho Cucamonga, and Upland, building lasting relationships through personal attention and genuine care.

Our office is conveniently located near the Fontana Post Office and City Hall, and we offer both in-person and virtual appointments to make connecting with us simple. We are also a pet-friendly office and always enjoy welcoming visitors. If you're looking for guidance with Auto Insurance or Life Insurance, call, text, email, or stop by for a personalized quote. We look forward to getting to know you and helping you protect what matters most.

Frequently Asked Questions (FAQs)

Q: What's an effective way to get car insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Serving Fontana and the surrounding area, Phil can help answer your questions.

Q: How fast can I get car insurance?

A: Car insurance coverage can often start the same day, depending on your situation. Have questions? Phil in Fontana can walk you through your options.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Phil works with Fontana residents to find coverage that fits.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Phil serves Fontana, CA and is happy to help with your insurance needs.

Q: What is life insurance?

A: Life insurance helps provide financial support to your beneficiaries and can help cover expenses like debts, living costs, or future needs. Connect with Phil for insurance guidance in Fontana.