EXHIBIT 32.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

     In  connection  with  the  Quarterly Report of Palomar Enterprises, Inc., a
Nevada  corporation  (the  "Company"),  on  Form  10-QSB  for  the  period ended
September  30, 2004, as filed with the Securities and Exchange Commission on the
date  hereof  (the  "Report"),  I,  Brent  Fouch, Chief Financial Officer of the
Company,  certify,  pursuant  to  18 U.S.C. Section 1350, as adopted pursuant to
Section  906  of  the  Sarbanes-Oxley  Act  of  2002,  that:

     (1)     The Report fully complies with the requirements of Section 13(a) or
15(d)  of  the  Securities  Exchange  Act  of  1934;  and

     (2)     The  information  contained  in  the Report fairly presents, in all
material  respects,  the  financial  condition  and  result of operations of the
Company.

Dated: March 10, 2005.

                                    By /s/Brent Fouch
                                       --------------------------
                                       Brent Fouch,
                                       Chief Financial Officer of
                                       Palomar Enterprises, Inc.


                            MASTER PURCHASE AGREEMENT
                            -------------------------

                                  BY & BETWEEN:
                                  -------------

              PALOMAR ENTERPRISES, INC. AND PRICE RIGHT AUTO GROUP
              ----------------------------------------------------

Palomar Enterprises, Inc. and/or its assignees, agree (on a funds available
basis) to provide up to a one million dollar ($1,000,000.00) purchase commitment
to Price Right Auto Group.
The terms and conditions are as follows:

     a.   Palomar Enterprises, Inc. will purchase secured 'packets' of auto
          contracts from Price Right Auto Group and/or affiliates
     b.   Price Right Auto Group is responsible for the collection, management
          and oversight (servicing) of each individual contract
     c.   In the event of default, Price Right Auto Group will replace new and
          viable contracts for any individual contracts that (may) default (of
          equal value)
     d.   Palomar Enterprises, Inc., retains the right to convert each and every
          note to common shares (see Exhibit 'B' that is attached to each
          individual packet)
     e.   Term is twelve months from the date of signing
     f.   Price Right Auto Group warranties a twelve (12%) annual rate of return
          on all purchased contracts
     g.   Each contract is understood to be for a term of (no longer then)
          twelve months and all payments are to be fully amortized and to be
          paid in twelve equal amounts.



/s/ Steve Bonenberger   06-07-04     /s/ Robert Simpson    6/07/2004
--------------------------------     -------------------------------
Steve Bonenberger,        (date)     Robert Simpson,          (date)
Palomar Enterprises, Inc.            Price Right Auto Group


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