Randy Atencio in the Manteca American Automobile Association office is my go to guy for insurance.He’s been my auto insurance agent more than half of the 45 years I’ve had coverage with AAA. Randy also has had either my renter’s or homeowners’ coverage as well for the 26 years I’ve been in Manteca.It’s been a good partnership because of two things: I understand the concept of insurance and AAA with Randy’s help makes it pretty clear what I’m paying for in terms of coverage.First of all, my auto insurance is for accidents and not day-to-day maintenance costs such as oil changes. My deduction for collisions is $500. If I wanted a lower deductible, it would cost me more.