Saturday, November 30, 2013

Four Key ways To Prepare For Disaster

Jeanne Salvatore of the Insurance Information Institute giving four key ways to prepare for a disaster. First, review your insurance and make sure you have enough and the right type of insurance--especially flood insurance. Second, take a home inventory so you know the value of your belongings and as a way to help the claims process should you suffer a loss. Third, have a disaster plan and know where you're going and how you will get there if you need to evacuate. Finally, make your home more disaster resistant by securing the structure and removing any potential threats like dangerous trees.

Wednesday, November 27, 2013

Auto Insurance Quiz

Auto Insurance Quiz from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Web site at

Sunday, November 24, 2013

Save Money On Insurance

This video is from the Insurance Information Institute. For more information about insurance, go to the I.I.I. Website at

Thursday, November 21, 2013

Obamacare Doesn't Stop Skyrocketing Premiums

NFIB's healthcare expert Amanda Austin on Obamacare: "We've seen literally almost a 100% increase in the last decade, specifically for small business premiums going up. How exactly does this law address this? It doesn't."

Monday, November 18, 2013

Different Types Of Truck Insurance

Many truck drivers on the road today are independent contractors, working for a number of different distributors and protecting their own interests as a driver. As an independent contractor, insurance is an important factor. Providing the proper insurance for your truck, equipment, and cargo in the event of an accident is crucial to being sure your investments of time and money are protected. Accidents happen, even to experienced drivers, and the damage that a large truck can cause can be extensive and costly.
There are different types of insurance that a commercial vehicle must consider that most drivers of passenger vehicles are unaware of. Because a large truck driver may be responsible for hauling someone else's property, there are added risks associated with these practices.
Truck drivers can be insured for primary liability which would cover an accident on the road. This type of coverage is similar to the coverage provided to every insured driver on the road. Liability insurance also covers the damages done to other people, property, or other vehicles. Both of these types of insurance are often applied to passenger vehicles.
Cargo insurance and non-trucking insurance policies are more specific to large trucks that are hauling products. Cargo insurance provides coverage for materials being hauled by a driver, even if they are not the property of the driver. Non-trucking insurance covers an incident that may occur with a large truck that is not associated with hauling activities. This insurance may cover any damage associated with loading or unloading cargo.

Article Source:

Friday, November 15, 2013

Car Insurance Checklist

You already know by now that you need car insurance if you are going to drive. But many people don't know exactly what they need to get approved for car insurance. The exact requirements for the application process vary by state, but this basic checklist was created to give you a general idea of what you will need in every situation.
The application process can become frustrating if you don't have certain documentation and information on hand when an insurance agent needs it. So here are six items you will need when applying for liability or full coverage car insurance.
  1. You will need to know what type of coverage you want. Every state requires a minimum of liability coverage, but you may want to insure at a higher level.
  2. You need your driver's license and social security numbers.
  3. You will also need the vehicle's make,model, year and serial-or VIN-number. You should also know about any features like security or airbags.
  4. Know how you will use the car. Some insurance companies will want to know about how much you plan to travel annually. They will also want to know if the car is used primarily for private or business travel.
  5. Knowing your driving history is important. Remember to be upfront about any violations or incidents that occurred in the past. Getting these things out of the way will guarantee that you don't have any surprises later on in the application process.
  6. Additionally, you will need general information about your current situation. You may be asked about others who reside in your household. Your credit history and checking account information may also be required for application.
This is a simple checklist, but it is very useful. I bought one of my cars from an auction while back and had a heck of a day running around to get my insurance paperwork correct. It wasn't fun but it had to be done, because they wouldn't let me drive the car out of the lot until I could prove that I was leaving with insurance.
You can learn from my mistakes and avoid the hassle of not knowing what you need. Go forward with confidence, and find a deal that suits your needs.
If you have any more questions about insurance requirements, it's best to talk to a local or online agent. He or she can assist you with any questions you may have about your particular situation, and may be able to get you an even better deal.

Article Source:

Tuesday, November 12, 2013

Some Facts to Keep in Mind While Looking for Car Insurance Policies and Rates

Getting the right insurance for your car requires a great deal of effort on one's part. It calls for analysing and collating information, requesting for quotes for at least two or three insurance providers and deciding which is the right one for you.
There are several facts that govern and can affect the amount of vehicle insurance you pay, some general and some personal. Getting information upfront on how and what really can affect your insurance coverage can help you make a more practical decision that can lower your expenses and better your coverage.
Some personal factors that could impact your insurance coverage.
1. Age and gender
It is generally seen that young male drivers usually attract higher insurance premium rates than young female ones. This could be because statistics show that more young men are involved in car accidents than young women. However, it is equally interesting to know that older men can get more competitive and better insurance rates than older women.
2. Marital status
Being married significantly reduces insurance rates primarily because married people come across as more responsible towards family and other road users. However, single people with clean driving records and nil accidents or traffic violations are sure to receive a good premium.
3. Home location
Your place of residence also plays a part in determining insurance rates. Studies show that densely populated neighbourhoods with more vehicle numbers plying the roads are accident prone areas. Along with higher risk of accidents in such areas, car thefts and collisions also rank high. Such risk factors mean that you could incur greater costs in repairs and maintenance.
Another singular factor in location determination are the high numbers of uninsured drivers, i.e. certain urban areas with higher rates of unemployment have left car owners less affordability to insure their cars.
4. Profession or career
Some professionals or career choices - e.g. cab drivers, delivery personnel, journalists - are seen as more risky by vehicle insurance companies because those people spend more time driving their cars around raising the chances of injury or accident. Often it is noticed that insurance companies provide better insurance packages to "safe people" - nuns, paramedics, police officers etc. - as they are perceived more as being more careful than the average vehicle driver.
5. Driving History
If you have a previous record of unsafe driving, traffic offence or been involved in an accident, you are probably going to be faced with paying more for insurance coverage. Insurance companies usually reserve the right to refuse providing insurance cover if your past record shows an indication of high risk or likelihood of traffic violations or accidents.
6. Credit rating
This is not a pre-requisite in many cases but a low or poor credit rating could mean paying higher insurance premium rates.
Besides these, there are a few other broad factors that could have a bearing on vehicle insurance. Some of them especially concerning the vehicle, are:
• Age of the car
• Size of car
• Safety rating of the car
• Possible likelihood of theft - depending on brand and model of car.

Article Source:

Saturday, November 9, 2013

Personal Coverage

Other Personal Coverage

We offer several other insurance options including, Renters, Rental properties, Personal Umbrella, and Earthquake. Please contact our office and let us work together to protect your investments.

Call us at 800-591-9692 for a quote, or online at

Wednesday, November 6, 2013

Teens Stay Safe Behind The Wheel

California Department of Insurance presents a video public service announcement for teen drivers.

Sunday, November 3, 2013

First Services Exclusive Endorsements

First Service is exclusively endorsed as the property & casualty insurance agents for each of these organizations. We are proud to be endorsed by these groups that serve contractors and the community.