Joe Munoz

Kardar Insurance Agency

5861 Pine Ave., Ste. A2
Chino Hills, California 91709
Phone: 909-310-2422
Fax: 909-393-5577

Monday8:30 AM - 5:30 PM
Tuesday8:30 AM - 5:30 PM
Wednesday8:30 AM - 5:30 PM
Thursday8:30 AM - 5:30 PM
Friday8:30 AM - 5:30 PM

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Joe Munoz

Joe brings a strong background in sales from the automotive industry, where he developed a solid foundation in customer service and client relations. He specializes in both commercial and personal insurance, working closely with business owners and families to build lasting relationships. Joe is dedicated to making insurance clear, straightforward, and accessible for every client. He is known for his professional yet approachable style, with a strong emphasis on client education and informed decision-making.

Independent Agent vs The Rest

Instead of just working for one company with limited offerings, we represent dozens of top rated insurers. As your needs expand and change we continue to find the best carriers at the best value.

Features & Services Our Agency Captive Agent Online & 1-800 Companies
Access to multiple companies and wide range of products
Easy switching from company to company without hassle
Unbiased and objective advice Tries to sell & support only their one company Tries to sell & support only their one company
Claims assistance and advocacy Adjusters are often exclusive to the one company No help: You vs. adjuster
Policy service from the same person you bought from To call center You'll likely never talk to the same person twice
When you buy from an independent agent like us, you're supporting local business and your local economy #choicematters #independentagent