5 /5 Marisol Lopez: Ive been going to Ricardo for about 3 years now. He is super responsive via email. I have never met him in person - he is the GO TO for anything insurance and he can handle it all over email. Documents get e-signed, he has the whole thing for your insurance needs and getting it done virtually. Hes great, he will quote and requote as much as you need. I go no where else!