Insurance Articles

What is a deductible in car insurance? An auto insurance deductible is your portion of the repair amount you’re required to pay, before your auto insurance company covers their portion. Here’s a basic example to make things clear. You get into an accident that results in repair costs of $4,500 to your vehicle, the deductible […]

Before thinking about filing a claim you may have other issues that take priority. You may have injuries to attend to or vehicle damage that needs immediate attention.  Even after a minor accident or neglectfully running into a concrete barrier. You might be asking yourself questions like. Is it necessary to file an insurance claim?

If you have been a safe driver from the time you started driving, you should see a decrease yearly as you renew your policy. This is before you turn 25 years old. Once you officially turn 25 you should see the most significant drop in your insurance rates.  If you’re a younger driver or have

Insurance companies view drivers who keep consistent auto insurance coverage as less of a risk than those who have even short lapses in coverage. If your insurance company sees you as more of a risk, it will be evident in your car insurance premium. More risk comes with higher rates. For the most part short

When you’re involved in an accident, the first thing on a lot of our minds is, how long is it going to take for me to be reimbursed for my injuries and damages? All claims and circumstances are different so payout timeframes will differ from insurance company to insurance company and claim to claim. Once

A question on all of our minds is how much is our Sacramento auto insurance going to be? Especially if you live in beautiful Sacramento. Sometimes beauty comes at a cost and for Sacramentans that cost is traffic. And with traffic comes higher car insurance rates. Sacramento currently ranks #8 out of the top 50

As business owners, we’re always looking for ways to cut costs, save money and improve ROI. There is one area you should never cut a corner on and that’s workers compensation insurance. We understand that you may feel as if it’s unnecessary or just not important. Maybe no one has ever been injured or suffered

When it’s time to file your claim to the auto insurance company, it’s important to think about what you’re saying before you actually say it. In conversation certain things can be taken out of context and saying the wrong thing can turn what should be simple call into a drawn out nightmare. When an insurance

When you’re shopping for life insurance you want to know what is and isn’t covered. Especially when it comes to the most important aspect of the policy, death. If your friend or loved one unfortunately passes away you’re going to want to know the ins and outs of the policy guidelines and exclusions. Term life

Auto insurance rates are determined by numerous factors, including driving history, location, and type of vehicle. On top of that, every car insurance company grades those factors differently. Resulting in different rates from one insured driver to the next. Ever wonder why your friend got a lower rate with an insurance company than you were