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Joy Cottle

Rating 5.0
Farmers Insurance Agent in San Luis Obispo, CA
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Contact Info


1228 Broad St
San Luis Obispo, CA 93401

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Phone Numbers

(805) 548-8530(805) 548-8530
(805) 544-1265

Office Hours

Day of the WeekHours
Mon:8:00 AM - 5:00 PM
Tue:8:00 AM - 5:00 PM
Wed:8:00 AM - 5:00 PM
Thu:8:00 AM - 5:00 PM
Fri:8:00 AM - 5:00 PM
available by appointment on weekends and some holidays
Contact me

Farmers Insurance Agent in San Luis Obispo, CA

About Me

Rating 5.0

Located in downtown San Luis Obispo, CA, the Joy Swann Agency helps clients personalize insurance protection to their unique situation. We have knowledge and experience, and want you to know options for protecting your family, your property, your business, and even your toys. I offer a unique combination of professional experience, education, entrepreneurial success and motherhood, which has earned me the fond title of ‘Mama Bear’ among clients and friends alike! The agency is filled with knowledgeable, friendly, licensed agents and service staff to efficiently attend to all your needs. We are also available via text at the number below!

Give me a call at (805) 548-8530 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 7 years of experience as a Farmers Insurance agent.

Awards and Honors

Championship Qualifier

Neighborhoods Served

San Luis Obispo, Atascadero, Morro Bay, Los Osos, and Pismo Beach



License Name: Joy Swann Cottle
CA License #: 0H33137

Insurance Products Offered

Business Insurance
*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:

Piggy bank with pile of coins shaped like the continental US

As your local Farmers agent in San Luis Obispo, I can help make you smarter about insurance.

Depending on your state, you may be eligible for certain discounts. See how Farmers can save you money on insurance specific to California residents.


New baby? Getting married? Life Insurance can help you provide a financial safety net. Let’s discuss your life changes.

PWS LD-01 10/17

Proud season sponsor of San Luis Obispo Repertory Theatre (SLO REP)

Honoring our 70 year history as San Luis Obispo Little Theatre while building our future as San Luis Obispo Repertory Theatre, a professional, nonprofit, regional theatre.

Learn More

  • Organizing community get-togethers
  • Volleyball
  • Spending time with family
We offer the strength of size of Farmers® combined with the warmth, personal service, and care of being a small local agency. Please come on by the office anytime to say hello, pet Bugsy (our Dachshund and ambassador of goodwill), or enjoy a fresh latte from our espresso bar!
Has your business grown since we last reviewed your business insurance? If so, let’s have a conversation so you can decide if your level of coverage is keeping up with your level of success. Call me today!

Recent Reviews for Joy Cottle

Rating 5.0
10 Customer Reviews
  • Rating 5.0
    Timely, friendly and responsive. Stephen was great to work with.
  • Rating 5.0
    Awesome experience and they are always on it
  • Rating 5.0
    I truly feel that Joy has my best interests at heart. She's like a Mama Bear, looking out for her little ones! It's so wonderful to have a local resource available to me for my insurance needs!
  • Rating 5.0
    Joy and her staff are amazing. They are extremely responsive and treat you like a VIP.
  • Rating 5.0
    Steve was great at explaining everything.
  • Rating 5.0
    Joy is smart, responsive and genuinely concerned about my family's best interests. She earns my business with excellent customer service and competent advice every time we work on my insurance portfolio.
  • Rating 5.0
    Steven Tish is an extremely knowledgeable, helpful, flexible, and personable agent--have had an excellent experience working with him--he really helped me and totally understood my needs...thank you!
  • Rating 5.0
    Joy did a great job of reviewing our policy and explaining our vulnerabilities. ,we both left our meeting with Joy feeling more confident that we had protected ourselves and our property. She is extremely personable, competent and easy to work with.
  • Rating 5.0
    Excellent experience! Joy and her team took the to review my current policy and offer a solution that met all my needs at a price that was very competitive. I highly recommend her for all your insurance needs.
  • Rating 5.0
    Joy is extremely responsive and knowledgeable and a delight to work with.
Displaying 1 - 3 reviews of 10

My Hardworking Team

Photo of Jackie Charmley

Jackie Charmley

Office Manager

Phone :
(805) 548-8530(805) 548-8530