How to Choose the Right Insurance Company

It can be difficult to find the best insurance agent and company. There are many factors to consider, whether you’re a first-time home buyer or a new driver who wants to be on the road.

Things to Think

Is your potential agent able to get to know you and your needs? Are they personable, caring and willing to do what is best for you? I am confident that I will be the agent who tells a customer to find the lowest price. This is crucial for most people, given the state of our economy. Auto insurance is required in all 50 states. People don’t like having to pay it, so they try to save money. Many of my clients are on social security and have a fixed income so I know that they don’t have any spare money each month.

Limits on Liability

We all know that auto insurance is expensive. Keep in mind that your auto policy will limit your liability and protect you from property damage. Let’s say that you’re young and in college but don’t have much money. You don’t have to be as liable as someone who owns a house and has money in savings accounts or runs a business.

California only requires $15,000 per person for injury, and $30,000 to cover injuries to other drivers. This can quickly add up. You can get $25,000 per person, $50,000 in total pay out for as little as $25 per month. California’s property damage requirements are at least $5000. This seems small. The cost of a good tap on the rear end for a Porsche or Mercedes will easily exceed $5000. If you have more than $5000, you’ll be responsible for all costs. Ask your agent to review these coverages with your and help you choose the best one for your needs.

Homeowners Insurance

It is still a buyer’s market in today’s home-buying market. Insuring your investment is a must. California is a difficult market for home buyers. Many companies have pulled out of California due to the recent wildfires or stopped writing new business. It is important for those looking to buy a house to know if they have insurance and what the rates are.

Things to remember when you get a quote on your homeowners insurance

Make sure you get a quote on the cost of replacing your home in case of a major loss. Not for what you bought it for. All new home constructions must comply with all laws and ordinances in each county. California’s new requirements would require that your 1978 home be rebuilt with stucco, hardboard siding, boxed edges, shatter-resistant windows, boxed edges, sprinklers throughout, and stucco or wood siding. A water holding tank would also be required if your house is located on a well. If you were to pay out-of-pocket, all of this would be extremely expensive. To find out the cost per square foot for building or remodeling a home, consult a contractor.

About Me

Since 1999, I have worked in the insurance industry. My career began at my father’s office, where I filed papers and answered phones. I eventually got to know my clients. I have worked for almost all the major US insurance companies and currently work as an independent agent in Northern California’s foothills.