Refer us auto insurance and Get a $25 American Express Gift Card .

Get a $25 American Express Gift Cardamex gift card

The best compliment we can receive, is a referral from a client.  We really appreciate it and that is how we grow our business.  As our client, if you refer us to a friend or family member, and they receive a qualifying Auto quote, you will receive a $25 American Express gift card as our way of saying thank you.

What is a qualifying auto quote?   – We want to have a conversation with someone who truly considers us an option for auto insurance.  We will gather the information we need to insure a customer and give them a quote.

How do you get the gift card? – Please have your friend or family member give us your name when we talk with them. Or, you can give us their name and phone number.  When we complete the qualifying auto quote, we will call you to come and pick up your gift card.

Thank you for your business and for taking the time to refer us.  Will live on referrals which is why we work so hard for your business.

-Brian McMullen – Allstate



Are you happy with your San Diego car insurance?

San Diego Auto Insurance 2Most people are happy with their insurance until one of two things happens –

  • Either their premium goes up  OR
  • They have a claim and find out they don’t have the coverage they need.

When obtaining insurance, most people want the cheapest rates they can get and online shopping is great for convenience. When filing a claim, most want a personal representative, great prompt customer service and they want to know that everything is covered. No gaps!


Here’s what we recommend:

  1. Don’t buy insurance online. Talk to an Allstate agent about your needs so that you get the coverage that you want and need in the event of a claim.
  2. Do a review your policy with an Allstate agent. This is the best way to find out about discounts, changes in mileage and other things that affect your premium.
  3. Do bundle when you can to get the maximum discounts possible. Talk to your Allstate agent.
  4. Don’t wait until you have a problem to talk to someone. While emailing is easy and fast, take the time to talk with an Allstate agent before you need to.
  5. Do watch out for bait and switch. You can get in the door with really low rates and low coverage. Then you’ll need to increase the coverage or add items left out like rental reimbursement or towing. Watch for broker fees!
  6. Don’t assume your policy has coverages like permissive use. Not all companies will cover someone else driving your car.

Here are ways to reduce your premium. We, at McMullen Insurance, work very hard to review all of our clients each year, to make sure that they are receiving all of the discounts that we can possibly apply. It’s also important to submit your annual miles each year. This affects your policy premium. If you drive 5,000 miles per year or if you drive 12,000 miles per year makes a difference. So, be sure to complete the mileage questionnaire that your insurance company sends you.

The last thing we want to have happen is for a client to file a claim and not have enough coverage. Reviewing your insurance annually does take some time and yet it’s really important. We try to make it as easy as possible for all of our clients to review. Doing a review reveals a lot of information. Your coverage limits depends on your assets. Sometimes, other companies might offer you low policy limits to reduce your premium. We at McMullen Insurance, don’t recommend this as a way to lower your premium because again, you will be happy with your insurance until you need to use it. We want you to be happy with your insurance, the service and no extra fees for an Allstate agent.  Need insurance, give us a call or check out Brian McMullen’s Allstate website.



Cell Phone Tickets and Car Insurance San Diego

Cell Phone Tickets and Car Insurance San Diego Texting and Driving

There are not a lot of places in the U.S. where you won’t get a ticket for texting or using your hand held phone while driving.  Arizona and Montana are the only states where you can talk on your hand held phone while driving.  However, what about those people who read their texts or their emails while stopped at a traffic light.  Is it legal? You’re technically not driving, right?  Wrong!  The law says it’s illegal unless it’s completely hands free and voice activated to read and respond.  If the keys are in the ignition and the car is running, then you’re technically driving the vehicle and you can be cited.

Based on the California Vehicle Code, if convicted, the offense is reportable and will go on your driving record.  However, you will not be assigned a point to your DMV record in the state of California. In other states, the ticket is a moving violation and points added to your driving record range from 1 point in Colorado, Georgia, and Maryland to 5 points in New York.  Some states like Florida and Maryland add additional points if texting contributed to an at fault accident.  New Jersey, Vermont and West Virginia add big points for a second offense.

texting messageHow does a texting ticket affect my car insurance rates?

Although, California doesn’t add points to your driving record for a cell phone law violation, you still have a ticket on your record.  What does that matter since it doesn’t add points? Well, each time you get a ticket, the fine increases and eventually higher penalties could be imposed by the court.  How does this affect your car insurance rates?  A ticket with no points doesn’t affect your car insurance rates with Allstate.  While driving myself, I encounter drivers who are sitting at a green light, driving particularly slow compared to the speed of traffic, oblivious to their indefinite blinking turn signals, or making unsafe lane changes. Most of the time, I find the driver to be talking on their hand held cell phone as I pass.  My first reaction is to move away from them!  My second reaction is upset because we are sharing the road and they are not paying attention. While your car insurance rates won’t increase for a cell phone law violation, your rates will go up for the accident that it causes.  Don’t take that risk.  Be safe and be smart.

Brian McMullen Allstate Insurance -Check out our reviews on Yelp!

For a car insurance quote, call our agency  or visit our Allstate website.



#GetThereSafe and Win $1000

Allstate sweepstakes#GetThereSafe Ten years of helping keep teen drivers safe – Allstate Foundation

“This year marks the 10th anniversary of The Allstate Foundation’s commitment to helping keep teens safe on the road.”  In 2005, Allstate’s Foundation made a goal to help lower teen car crashes by 50%, and they are still working hard towards that commitment.  To celebrate their efforts for the past 10 years, the Foundation will begin a 10 day sweepstakes on social media from June 24th through July 3rd called “Driving Change”.   This give away is leading up to the most dangerous days of the year in teen driving according to Allstate Foundation: July 4th and 5th.

Enter the sweepstakes by posting a safe driving message with #GetThereSafe and @Allstate to your Facebook, Twitter, or Instagram pages.  Each day there will be a $1,000 winner!

How to Enter:To enter the Sweepstakes via social media (i) Have an active and non-private Twitter, Instagram or Facebook account or sign up for a free Twitter, Instagram or Facebook account at; or; (ii) Post an original message or photo depicting a teen driving message onto your personal Twitter or Instagram page OR post a comment/reply to a Sweepstakes post on Allstate’s Facebook page; (iii) Include the hashtags “#GetThereSafe” and @Allstate in your applicable post to receive one (1) entry (items i, ii, and iii each collectively defined as an “Entry”). Each Entrant is limited to one (1) Entry per person using only one (1) Twitter, Instagram or Facebook account per Daily Entry Period and each post must be substantially different from any/all previous posts submitted by such entrant. One entry per person per daily entry period. See all sweepstakes rules to enter

Good Luck!  The sweepstakes begins June 24th and ends July 3rd.   #GetThereSafe     @Allstate







San Diego Winter and Holiday Activities 2014

San Diego Winter and Holiday Activities 2014

The holidays are approaching and we, at McMullen Group,  would like to share our San Diego winter and holiday activities list of inexpensive ways to enjoy the Season events around San Diego.  This is a good time to think about spending less money on holiday gifts and spending more time with family and friends.  Celebrate Life with those around you, take time to enjoy your family and friends this season.  Create traditions and attend these events each year.  Whatever you do, Enjoy Life!

The San Diego Veterans Day Parade– November 11th, at 11:00 am – on Harbor Drive.  The 2014 parade is “A Tribute toSan Diego Veterans Parade Afghanistan and Iraq Veterans”.  For more information, visit:


2014 Mother Goose Parade – November 23rd, East county’s annual holiday kick off celebration starts with floats, marching bands, horses, celebrities, Santa Claus and more. Parade begins at 10:00am. You can also visit the Mother Goose Village from 9:00am to 3:00pm.  For more information, visit:


Holidays at the Del – The Hotel Del Coronado has been celebrating the holidays in a Hotel Del at Christmasgrand tradition since 1988. Events include Skating by the Sea, Holiday Festival, Sunday brunch with Santa, An American Christmas and more.  The beautiful Christmas Tree,the Del holiday carolers and a cup of cocoa are sure to delight everyone.  For more information, visit:




Dr. Seuss How the Grinch Stole Christmas – Saturday, November 15th to Saturday, November 27th, 2014.  A The Grinch at Old Globewonderful musical based on the classic Dr. Suess book.  The Old Globe Theater is transformed into the snow covered Whoville.  Whether young or old, if you have never seen this show, we highly recommend it.  For more information, visit:


Julian’s Living Christmas Tree Lighting – November 29th, 5:00pm.  Julian celebrates the beginning of the holiday season with festivities beginning at 1:00pm.  Costumed strolling carolers, shopping, good food and the lighting of the living Christmas Tree at Pioneer Park. What a great day for the whole family.  For more information, visit:


Balboa Park December Nights– December 5th & 6th This is the 36th year for this wonderful holiday festival. Friday, December 5th from 3-11pm and Saturday, December 6th, from Noon to 11pm.  Participating Balboa Park museums openBalboa Park December Nights their doors free of charge from 5-9 pm both evenings. For more information, visit:




2014 La Jolla Christmas Parade – December 7th, 1:30 pm to 5:00pm. Girard Avenue and Prospect.  Spread some holiday cheer at the annual La Jolla Christmas Parade and Holiday Festival in downtown La Jolla.  For more information, visit:


San Diego Bay Parade of Lights – December 14th and December 21st. 2014.  Sundays from 5:30pm to7:30 pm. This isSan Diego Parade of Lights a time honored tradition with more than 80 boats decorated with a holiday theme each year.  Bring your family, some sandwiches, a blanket and hot cocoa.  Enjoy! For more information, visit:


This Wonderful Life – December 10th to December 28th, 2014. Based on “It’s a Wonderful Life”, the North Coast Repertory Theatre is a fantastic little venue for this holiday play that is fun and surprisingly, filled with wit and laughter.  If you have never been, check it out.  For more information, visit:


San Diego Holiday Bowl ParadeSan Diego Holiday Bowl Parade 2014 – December 26th, 3:00pm.  San Diego is always the host for the Holiday Bowl, a holiday football game between two college teams.  Before the big game, downtown San Diego will come alive with the “Big Bay Balloon Parade”  filled with marching bands, drill teams, floats and a procession of enormous balloons, more than any other parade.  For more information, visit:



San Diego winter and holiday activities is all about sharing good times with those you care about.  Add your own San Diego traditions to the list and pass it around.


Applying to College? Everything college A-Z

College BoundApplying to college? 

For those parents whose children are closing in on their senior year of high school, what are your summer plans?  Well if you haven’t decided yet, summer is a great time to plan a getaway and include some perspective college tours.  All colleges offer summer tour programs.  Here is a list of things to consider when preparing your student to apply to colleges.

Why take a summer tour?  First you might want to consider taking a college tour if your student needs some prodding to bring up those grades.  Looking at some colleges just might be what it takes to get your student motivated.  If your student is on track for a university, a summer visit might help them refine their choices and answer some questions.    

How are those SAT and/or ACT scores?  Find out what colleges your son or daughter can get into with their SAT scores.  Then decide if they should retake the SAT or apply to SAT optional colleges.  There are quite a number of colleges that do not require the SAT or the ACT.  See a list of SAT optional schools.  In spring of 2016, when students open their SAT test books, they will encounter a new SAT that is more focused and useful than ever before.  See SAT redesign.    For free SAT /ACT test prep, visit .  It is a great website for a customized test prep program and it is FREE.

Great Idea to remember likes and dislikes.  When visiting colleges, how will you and your upcoming collegeApplying to college student remember the unique aspects,  advantages and shortcomings of each college visited?  One idea is to visit the college bookstore and buy postcards of each college.  Write down all your thoughts about the school while visiting.  When you return home, you will have a unique way of remembering things you considered important about each college. 

Must read college websites.   If this is your first child going off to school, some of you may have no idea what to expect.  How close are the train stations, the bus stations and the airports?  What are other students and parents saying and doing that might help you?  I can’t afford to visit each school, how can we take a virtual tour?  There are a few websites that will answer almost every question you have.  allows you to research colleges, majors offered and see if your son or daughter is on track and how they compare to other students admitted.  You can also register for the SAT, and find scholarships. gives you detailed statistical data and information about each college.  Check out the College 411 for information on admissions, money matters, academics, campus life, students, freshman satisfaction rate and an overview of each college.  Click on the link above, enter the college name and then click on the college for detailed statistics.  The last website is   This website offers a plethora of information on almost every college and university out there from other students, parents and college admissions who post questions and conversations regarding admissions, financial aid, scholarships, trends, reviews, etc.  You name it and you can find it here.  Talk to other parents and students online or just follow conversations about schools and information you or your student are interested in.  This is the most comprehensive website out there for “everything about college”.  Applying to college

Do I need a College Essay? The summer before your senior year is a great time to write those college essays.  Not all universities require a college essay, but some most definitely do.  Private universities will definitely require essays.  California State University’s (CSU’s) application period is in the fall from September and closes November 30th.  CSU’s do not usually require a college essay. For more information on CSU’s and to apply visit csumentor .

 University’s of California (UC’s) application period is in the fall as well from November 1st  to  November 30th.  They do require a personal statement or a college essay. For more information and to apply visit

Our hope is to always help or educate our clients and friends with more than just insurance.  Brian McMullen of McMullen Group Inc. and our staff care about every aspect of your life.

 Yours today and yours tomorrow!   


Evans Garage; A San Diego Hidden Gem

McMullen Group IncEvans Hotels, the company founded by William Evans more than a half-century ago, operates three of San Diego’s highest-profile establishments. In addition to the Bahia, Evans Hotels also owns the Catamaran Hotel & Spa on Mission Bay and the Lodge at Torrey Pines overlooking Torrey Pines golf course.  The Evans family also owns a private hidden gem in San Diego known as “Evans Garage”. 

An evening at Evans Garage is a step back in time to visit a world class private collection of vintage automobiles.   It is a private, family owned, elegant museum which has a dramatic collection of classic and antique cars. It is an incredible display of memories from a Grand and Elegant era of the past.

The museum is a hidden gem and an exclusive off-site venue for groups at the Lodge of Torrey Pines.  Those who areMcMullen Group Inc lucky enough to attend an event, private or through the Lodge can expect to have an exquisite dining experience among an impressive collection of cars.  Evans Garage is located at 4953 Pacific Highway near Morena Blvd. and Taylor Street. 

One of our employees recently had a personal invitation to attend an event at Evans Garage.  It was fantastic and we thought we would share some photos for all you car lovers.  If ever there is an opportunity to tour this spectacular display of things gone by, I would definitely recommend attending the event at this hidden gem.   We hope you enjoy this “Exclusive” look  at Evans Garage and think about Auto Insurance from an “Exclusive” insurance agency, McMullen Group !  Call us for Auto Insurance!


McMullen Group IncMcMullen Group Inc

McMullen Group Classic Car Insurance McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance

McMullen Group Classic Car Insurance


2014 Spring Things To Do In San Diego

Spring is here which doesn’t change much in San Diego because our weather is mostly beautiful year round.  However, Spring time is a good reminder to do things that are new, necessary, and fun.  We would like to remind our clients to take an advantage of the good weather and great local opportunities that are here in San Diego to enjoy.  Grab your family, enjoy time with your friends and have a stay-cation in San Diego.  We at McMullen Insurance hope you enjoy our picks of spring things to do in San Diego; a calendar of local events  to share with Our clients, Our family and Our friends.  If you would like to do some spring cleaning, give us a call to review your policies.

Carlsbad flower fields.


Flower Fields of Carlsbad – Giant ranunculus flowers transforms 50 acres of hills into rows of brilliant color. During March 1st through May 11. Guests can stroll past oceans of flowers and through beautiful gardens, including sweet pea maze and a spectacular display of red, white and blue flowers planted in the shape of a giant American flag. Check out their website:

San Diego crew classicSan Diego Crew Classic at Mission Bay – April 4 – 6, 2014.  The first major regatta of the year that brings together thousands of athletes from universities, clubs and high schools to participate in a rowing event.  Enjoy a festival atmosphere with music, kids zone, and artists booths.



La Jolla Concours d’Elegance 2014

La Jolla Concours d’Elegance 2014 –Friday April 11 – Sunday April 13, 2014 is the classic motor car show with a suitable backdrop in La Jolla at the Ellen Browning Scripps Park.  Kids under 14 free.



Coronado Flower Show89th Annual Coronado Flower Show – On April 26th and 27th, the  City of Coronado presents the 89th Annual Coronado Flower Show in Speckles Park. Flower exhibits are displayed under tents surrounding a central gazebo, creating one of the largest flower shows.  Guests can also enjoy flower sales, live entertainment, food and a wine and beer garden.


.Cinco de Mayo

Cinco de Mayo celebrations – Don’t miss the 31st annual celebration in historic Old Town San Diego.  A wonderful 3 day weekend event starting Friday, May 2nd thru Sunday May 4th. Three days of music, food and fun with 3 Live Music Stages and over 10 participating restaurants.


Gator by the BayGator by the Bay Cajun Festival – May 8, 9, 10 & 11, 2014.  It is a great way to spend Mother’s Day!  This 4 day festival is filled with 85+ performances and fabulous food direct from Louisiana.  10,000 pounds of crawfish and Grammy award winner, Tab Benoit is just a couple of mentions.  If you have never attended this fantastic weekend, don’t miss it.  Great for the whole family!


.San Diego Mission Fed Art Walk

San Diego Mission Federal Art Walk – April 26th and 27th 2014 is the 30th annual art walk in Little Italy. Come check out local artists in a beautiful atmosphere of art.  Enjoy a beautiful day, eat in Little Italy and take a little something home.






How the Affordable Care Act affects long term care insurance

The Patient Protection and Affordable Care Act (PPACA or ACA) is the federal law that provides affordable health insurance. The Affordable Care Act (ACA) went into full effect around October, 2013.

Long Term Care

This activity board is designed to be used in a long term care unit with Alzheimer’s or other dementia residents. It is really neat! They are expensive. If you can make one yourself please do and donate it to a facility near you!


When it comes to health insurance, there are no more lifetime caps.  ACA eliminates an insurance company’s ability to impose a lifetime maximum on how much it can pay out.  That means end of life medical issues will be more likely to be covered, but how and by whom?  Some consumers mistakenly believe that ACA changes taking effect in 2014 will mandate that  insurers accept all new long term care applicants and Medicaid will pay for all costs related to long term care.

One area of health insurance the Affordable Care Act does not touch is long term care insurance.

Most people would rather stay in their home than a nursing home. Most people have no idea where to turn when the need for long-term care arises.  Does Medicaid cover long term care costs?  It is our understanding that Medicaid kicks in if you are staying in a nursing home and your assets are below poverty. People who are married need to think about the standard of living for their spouse who’s not in the nursing home.  According to Health Affairs Blog, “Medicaid has been available to pay for long-term care for people who are unable to afford it after they have effectively become impoverished by “spending down” their own assets and income”.

Who can and cannot obtain a policy?  You’ll never be younger than you are today. That makes today the right time to see what long term care insurance costs. Costs are based on your age and health when you apply. Remember, you don’t buy coverage with money, you pay for it with money.  You buy coverage with your good health. Increasingly, insurers are also turning away high-risk individuals with chronic conditions. The time for you to consider and apply for a policy is while you or your parents are still healthy and eligible. The Tender Loving Care advantage is Long Term Care Insurance. Also, talk to your tax consultant about tax deductions that might be available when paying for long term care.

If you have questions about long-term care insurance protection or even a policy you or a parent may have purchased, feel free to contact Brian McMullen of McMullen Insurance and Financial Services. We are here to help get you the information you need to make better decisions.

long term care 
The American Assoc. for Long Term Care; Long Term Care Insurance is not changed by Obamacare; Blog, May 30, 2013;
Jost, Timothy; Medicaid Asset Rules and the Affordable Care Act; February 24, 2014;


The Benefits and Challenges of Being Your Insurance Agent

Pesky Insurance Agent

Am I a pesky agent?

As your agent, it is my job to take care of each and every one of my clients as though you were my family.  I try to make suggestions based on your needs that I see or my life experience when it comes to insurance. 

Sometimes, I feel as though I might be walking a tight rope between reminding clients of insurance needs and being too pushy”. 

It is a delicate balance.  Then I am reminded of the benefits of being your insurance agent. 


I have a client who phoned me to let me know her husband had passed in an accident.  He had been a long time client of mine and Yes, he had Life Insurance with our agency.  She still had two young children at home and did not work.  I was able to deliver a check for $1 million dollars to her.  I thought to myself, “I am so glad that I talked to them many times about Life Insurance”.   Life was going to be different without Dad but she did not have to go to work and the family was able to remain in their home.  I did my job.

A challenge I face as your insurance agent is getting a phone call from a client asking if their spouse purchased Life Insurance.   They remember me talking to them about Life Insurance and receiving paperwork but they are not sure if it was purchased.  These are the times I wished I would have pushed a little bit more for my clients to have bought Life Insurance.  There was a death in the family and they were not covered.  Did I do my job?

I know sometimes , You; my clients,  my family, my business partners feel as though you don’t want to hear me say again, “Let’s talk about Life”.  However, I never know when I am being too pushy.  Then occasionally, I am reminded of the good and the bad.  So, I ask about Life Insurance.  Please remember this when I am asking about your “Life Story” and to “Talk about Life”.   These days, it is relatively easy and inexpensive to buy Life Insurance.  There is no amount of Life Insurance that can replace the loss of a family member.   However, I will continue to ask because it is the benefit and challenge of being your insurance agent and part of my family.

Brian McMullen’s Allstate Website for more information

Alltate Term Life Insurance Made Simple

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