Get Your Personalized Quote Today!
Protecting What Matters Most — With Heart and Expertise
Serving Merced County with personalized insurance solutions built on trust, service, and community.
Get Your Personalized Quote Today!
Serving Merced County with personalized insurance solutions built on trust, service, and community.
Annissa Fragoso is more than an insurance agent—she’s a trusted advisor, community leader, and proud Merced local. She opened her Farmers Insurance agency in Merced in 2012 and relocated to downtown Merced in 2018. Over the past 20 years, Annissa has guided clients through home, auto, business, life, and specialty coverage, always focusing on clear explanations and policies that fit real needs. In 2025, she’s launching her own independent agency to serve her neighbors even more directly.
A dynamic civic leader, Annissa has served on the Merced County Hispanic Chamber of Commerce board for 13 years and was Chamber President from 2021–2024. She’s also chaired the annual 5K Cowboy/Vaquero Run scholarship fundraiser for five years, sat on the Boards of the Kids Discovery Station and the Merced Main Street Association, and ran for Merced County District 2 Supervisor in 2024—bringing fresh energy and community-first ideas to local government.
Key Highlights
• 20 years of insurance industry experience
• Relocated agency to downtown Merced in 2018
• President, Merced County Hispanic Chamber of Commerce (2021–2024)
• 13-year Board Director, Merced County Hispanic Chamber of Commerce
• Chaired 5K Cowboy/Vaquero Run scholarship fundraiser (5 years)
• Board Member, Kids Discovery Station (2020–2023)
• Board Member, Merced Main Street Association
• Volunteer of the Year – City of Merced, 2022
• Minerva Empresaria Award – California Hispanic Chambers, 2022
Auto Insurance: Protection for all your vehicles – cars, trucks, SUVs, motorcycles and more. We’ll help you get the right auto policy for your needs, including liability, collision, comprehensive, uninsured motorist, and any specialty coverages. Stay safe on the road knowing you’re properly insured, with possible discounts for safe driving, multi-vehicle households, and more
Homeowners & Property Insurance: Safeguard your biggest investment. We provide homeowners insurance that covers your house and belongings from fire, theft, vandalism, and other covered disasters. Not a homeowner? We also offer Renters Insurance for your apartment or rental home, as well as Condo Insurance and Landlord policies. Our property coverage options will help you rebuild and recover from the unexpected.
Life Insurance: Protect your family’s financial future with life insurance plans tailored to your situation. We can assist with Term Life (affordable coverage for a set period), Whole Life and Universal Life (permanent coverage with cash value), and Final Expense policies. Life insurance ensures your loved ones are cared for – whether it’s replacing income, paying off a mortgage, funding college, or covering funeral expenses.
Motorcycle Insurance
Protect your ride and yourself with customized coverage for liability, collision, comprehensive, uninsured motorist, and optional accessory protection.
Boat & Specialty Insurance
Cover your watercraft, RV, ATV, classic car, or other specialty vehicle against damage, theft, and liability—so you can enjoy your adventures worry-free.
Business Insurance
Safeguard your company with tailored general liability, commercial property, BOP, professional liability, fleet, and workers’ comp solutions.
Renters Insurance
Protect your personal belongings, liability, and additional living expenses in your rental home with affordable, customizable coverage.
Umbrella Policies
Add an extra layer of liability protection—typically $1M–$5M—beyond your auto and home policy limits for broader peace of mind. .
Fill out the form with any questions you have about finding the coverage that's right for you!
527 W Main St, Merced, CA 95340, USA
Open today | 09:00 am – 05:00 pm |
The Insurance Lady, LLC – Insurance Services in Merced, California.
Protecting You, Your Family, and Your Future.
© 2025 The Insurance Lady, LLC. All rights reserved.
CA Insurance License #0F13565
Phone: (209) 626-5551 | Address: 527 W. Main St, Merced, CA 95340 | Serving: Merced, Atwater, and the greater Central Valley area.
Disclaimer: Insurance coverage is subject to underwriting approval. Coverage descriptions on this website are summaries only and subject to the terms, conditions, and exclusions of the actual policy. For specific information and personalized advice, please contact us directly.
Thank you for visiting The Insurance Lady – your trusted partner in protection!
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