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cost of homeowner insurance in california

While California is known for having the most expensive homeowner’s insurance rate in the country, this can be easily explained by the fact that California does have some of the highest prices in real estate and housing. This is also pertinent to another well-known truth that California sits on an earthquake belt, making it necessary for all homeowners to include the earthquake insurance in the policy. By adding this policy, you indeed increase the rate of your premium.

The good news is there are a number of ways to cut the cost on your California homeowner’s insurance policy, reducing your bill to as much as 30%. This could mean great savings for you in the advent of a crisis in the country’s economy. Stashing aside some extra cash is, by all means, a worthwhile endeavour. The following tips are recommended:

1. Check for appropriate insurance amounts. One of the biggest mistakes that homeowners make is insuring their home for a price that exceeds the coverage they actually need for their home. Why spend for more than what is required? Essentially, all you need is the amount you are most likely to use in case of destruction, when you rebuild your home from the ground up. Some people mistakenly include the value of land. Some compute the insurance amount based on the market value of their home. What you actually need is an evaluation of the estimated cost to rebuild your home in case of total destruction.

2. Save by installing a Security Alarm System. Most insurance companies in California allow for discounts when they learn and verify that your home is protected by a security system. Theft and intruder alarms as well as fire and smoke detectors should all be integrated into the central electrical system of your home. Most likely, these alarms can automatically send signals to a 24-hour monitoring system for fast dispatch of police and emergency response units.

3. Increase your deductible amount to save on monthly premiums. Insurance companies require a minimum of $500 deductible amount for a California homeowner’s insurance policy. As a result of this minimum requirement, homeowners do not even bother with computations of monthly premiums. They just accept the suggested amount without realizing that by increasing the deductible amount, they will be able to save on the monthly premiums.

4. Buy all insurance from one and the same insurance company. Large insurance companies give big discounts for customer patronage and loyalty. If you get all your insurance needs such as auto and home insurance from the same company, you will be sure to get a discount on your rates. Insurance companies do appreciate this gesture and will be happy to give back a nice prize in the form of price cuts for being a loyal customer.

5. Compare prices online. The internet is by far, the best resource for price comparison. The information that you can glean from online shopping remains unsurpassed. It is wise to make use of this resource, and determine the best homeowner’s insurance rates simply by online comparison shopping. Purchasing the least expensive homeowner’s insurance online can also be beneficial because these companies do not add on administrative and operating expenses usually associated with traditional companies.

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Some Car Insurance Myths

April 19th, 2008

some car insurance myths

It is not unusual for certain myths to circulate regarding car insurance policies, and this, of course, has resulted in some confusion. Because of these false assumptions, potential car insurance policy buyers experience some reservations when shopping around for the cheapest deal and looking into the extent of policy coverage.

Myth #1:

Color counts. Of course, it doesn’t! The color of your vehicle is totally unrelated to the price of your car insurance policy. Car insurance companies do not have certain rates for certain colors. Although the make and the model has a bit of influence on your policy, but the color absolutely does not count! So the next time someone tells you to pick a color that is friendly on the cost, tell him all cars are equal when it comes to paint.

Myth #2:

Parking ticket problem. Getting a parking ticket is by itself not a point against purchasing car insurance with lesser cost but non-payment of a parking ticket can get you in trouble! If all parking tickets combined will increase the cost of insurance, then wouldn’t we all be in a fix! Pay your parking tickets promptly to avoid getting negative feedbacks against your diving record. This will also make the renewal of your driving license much more trouble free.

Myth #3:

Speeding means spending. Getting ticketed for speeding once in your driving life does not mean your car insurance premium would instantly skyrocket! Now this is a case to case basis as driving way beyond the allowable speed should deem you reckless and imprudent. Serious offenders have either gotten involved in speeding accidents or have been caught driving a dozen miles over the limit more than twice. One or two minor convictions may be dismissed by the car insurance company, but don’t get your hopes up high though: accumulating multiple speeding tickets in less than a year will be sure to increase your car insurance rate upon renewal.

Myth #4:

No fault means no pay. Some drivers believe that being innocently involved in a traffic accident would rid themselves of any financial obligations. Even though traffic investigators have declared you to be completely fault-free, it is still your insurance policy who ultimately decides. Assuming that your car insurance company finds you without error, your deductible will be waived and you will be cleared. Should your car insurance company find you otherwise (even after the initial police investigation), then you will have to pay.

Myth #5:

Cheap car means cheap insurance. Contrary to the popular belief that the more expensive a vehicle is the higher the rate of car insurance premium, the rate of the premium always depends on several factors that differentiate every automobile. One may have a cheap car but already has a string of claims and a number of repairs in stow – compelling the insurance company to increase the premium. Similarly, one may have a nice expensive car along with a flawless driving record and no history of claims and repairs – prompting the insurance company to lower the premium.

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What is SR-22 Insurance?

April 11th, 2008

sr22 insurance

SR-22 Insurance is the type of insurance required for drivers who have been convicted of a DUI offense. A DUI offense would mean that a person has been caught driving while under the influence of alcohol or simply put, has been convicted for a drunk-driving offense. Getting an SR-22 Insurance would immediately put you in the high-risk category. An SR-22 Insurance is typically more expensive than any regular auto insurance policy.

While it is true that you can never get a cheap rate for an SR-22 Insurance, the options really lie on shopping for the lowest-priced SR-22 Insurance. In theory, you can still compare the SR-22 Insurance premium rates offered by the different insurance companies before you actually purchase the one that would best suit your budget and needs.

There are many insurance companies who specialize in SR-22 Insurance policies. Because it is a sensitive issue among recently convicted drivers, some insurance companies have carved a niche in the market of SR-22 Insurance to be able to create well-designed policies and premiums that address the buyer’s concerns.

But a forewarning to would-be SR-22 Insurance buyers: be wary of companies who offer dirt cheap premiums because there might not be enough coverage for you. In the same manner, be speculative of persistent insurance companies who may well be taking advantage of your situation. Some insurance companies realize the seriousness of your predicament, and tend to make a play on your desperation in order to make a sale.

Some points to remember when buying SR-22 Insurance:

  • If the price is temptingly low, double check on the coverage and see if it matches your requirements, and if the coverage can actually help you at the time of need. An inexpensive premium does not necessarily mean the best choice.
  • Solicit for free quotes – whether via the internet or through phone calls in your local area. Gather as many as you can to give you an idea of what the current average SR-22 Insurance price is.
  • Set a preference for companies who specialize in handling high-risk types of insurance. Better yet, search for a company who specifically has an excellent track record on selling SR-22 Insurance.
  • Approach a qualified insurance broker and ask for help in shopping for SR-22 Insurance. The insurance broker can also answer your questions, and help clear prevailing issues and concerns on SR-22 Insurance policies.


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As a teenager pulls out of the driveway for the first time, it is a natural thing for parents to feel wistful about the new found freedom that their child may be experiencing. The thrill of being in control of the wheel, and running in the streets is something that most of us have experienced after all. Caution to all parents: never allow your children to take the car without getting appropriate car insurance for teenagers.

car insurance for young drivers

As their children grow up, more and more parents become concerned with getting car insurance for teenagers. Following the trend of teenage driving, statistics have proven that the incidents of car crashes among juvenile drivers have gone up to an alarming rate. Along with this rate increase is the concurrent rise in the cost of car insurance for young drivers.

Car insurance for teenagers is generally expensive and there are supporting answers as to why it is priced this way. First of all, the skills of new drivers are still untried and untested. Young drivers would need at least three years of good experience before they can be eligible for a lower rate premium.

Inexperienced drivers below the age of 25 are considered by insurance companies to be high-risk clients. This age qualification is another factor in determining the cost of car insurance for young drivers. The rate for a female driver is usually lower than those of the male, as the male gender is typically considered more aggressive drivers.

Before deciding to get car insurance for your young driver though, it is important that the child understands the purpose of doing such. Some parents insist that the child pay for the premium, to help them recognize the value of such action. It is also wise to opt for a reasonable priced vehicle for the child to instantly lower the cost of premium.

Amongst all, the child should be briefed on the importance of being cautious on the road. Reiterate the basic rule in driving: Keep both eyes on the road at all times. Encourage the child to drive safely, and not irresponsibly. Demonstrate the relevance of this action in your daily lives. Set a good example always. These important points may sooner or later help in lowering the cost of car insurance for teenagers.

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In the effort to save on today’s rising insurance costs, many of us may opt to forego the hiring of an auto insurance agent to scrimp on the overall expenditure. But what many of us may not know is how an auto insurance specialist can actually help us save on our insurance premiums in more ways than one.

auto insurance specialist

Initiating an auto insurance search in your browser may indeed generate some results for many insurance companies, giving you instant answers to your urgent need for information. You spend many hours going through every insurance company website, painstakingly jotting down notes and contact information. In many cases, the buyer ends up choosing the wrong policies and premiums for lack of knowledge and expert advice. Hence, the need for an auto insurance specialist becomes recognized but alas, it’s just a tad bit too late.

For those who have little or no experience in shopping for insurance, an auto insurance search for dirt cheap premiums will pave the way for disaster. Typically, an inexperienced buyer will get enticed by the low pricing and will compulsively jump into a purchase without really fully understanding the terms and conditions of the policy. Had he chosen to purchase through an expert auto insurance agent, he would have been told that the insurance policy he just bought did not offer the kind of coverage he needed. For this, he might need to purchase additional policies which would jack up the cost of premiums. Worse, the insurance company he bought the policy from has recently filed for bankruptcy, throwing his investment out the window.

Buying an auto insurance policy from a credible institution is one important factor, channelling the purchase through a reliable auto insurance agent is another element. An auto insurance specialist will make sure you are buying from an insurance company with a proven history and track record. He will search for a compatible policy based on your exact need and investment budget so that you will have only the best deal. You must keep in mind that there are many factors involved in computing for a premium, and this is where the expertise of an auto insurance specialist comes in.

Why waste your time in auto insurance search and comparison shopping when your auto insurance agent can do that for you singlehandedly? Why baffle yourself with confusing insurance riddles and computation formulas? Your auto insurance specialist will tailor his search according to your specific need: whether you are female, a young fellow, driver with bad credit, businessman with several company cars, a repeat buyer, a high-risk driver, or simply a new client.

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Understanding Car Insurance

April 7th, 2008

understanding car insurance

Living anywhere in the United States would mean that getting a car insurance policy should be one of your top concerns. It remains to be a legal requirement, and if you get caught violating even the most minor traffic regulation without carrying an insurance protection, you could face a suspension of driving license or a possible jail term whether you are at fault or not. Car and insurance are two words that go hand in hand – one just cannot do without the other.

Understanding car insurance is not exactly difficult. All it takes is a bit of time and a lot of sensibility. The basics in any car insurance premium are generally similar. If you are a first time car insurance buyer, the premium is relatively higher than that of someone who has previous insurance records. You will be asked for a deductible amount, or the amount in excess of the premium, which is the amount that you will have to pay before the insurance company pays your coverage. If you have a high deductible, then it follows that your car insurance premium will be low.

Car insurance companies measure your credit standing to determine your financial capacity. Your credit score will be one of the factors considered by the car insurance company when you apply for an insurance policy. Your insurance score can be improved by paying your credit card bills and government taxes on time. Your driving records will also serve as another measuring tool – if your driving history is spotless, then this will be another plus point for you.

Now here’s the most important part: research about the car insurance company before purchasing any policy. If the car insurance company has the right to do a background check on you, you also have equally the same right to do a background check on them. In understanding car insurance, you will also have to know the importance of a car insurance company’s history and track record to make sure that you will get fully covered, should any mishap occur.

A basic car insurance policy should have the following:

  • Comprehensive coverage
  • Collision coverage
  • Personal injury protection
  • Medical coverage

When making a car insurance claim, this will immediately include the cost of repairs on the damaged vehicle and medical expenses incurred by treatment of injuries sustained following the accident. These first two reasons are enough to get you started in understanding car insurance and why it is very important for you to get a policy. Now you also know why the words car and insurance always go together – getting a new car simultaneously means getting car insurance!

Apply for a policy today! The next life you save may be your own.

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Welcome! The purpose of this blog is primarily to supply you with fresh insights in the world of insurance, to keep you updated on today’s changing insurance trends and most of all, to help you find the best affordable car insurance quote online. This blog is also our way of extending client support by giving you another option on how to communicate with us effectively and providing tips and suggestions on how to make your insurance work for you. Feel free to write in your comments and suggestions, as we are here to serve as well as to listen.

affordable car insurance quote

It has always been the nature of man to seek out the most beneficial opportunities. For the fastidious and prudent, a difference of a few dollars can well be the deciding factor in making an investment. Likewise, a penny-wise insurance buyer is sure to search through the whole of the internet just to find the most affordable auto insurance rate and to substantiate this finding by comparison of benefits in various insurance companies.

Stumbling on an affordable car insurance quote within your day’s search is perhaps something not unusual. After all, there should be thousands of websites related to this category. However, most claim that their quotes are the cheapest, if not the best. Thus, here is where a normal searcher begins to get perplexed – the astonishing number of best affordable car insurance quote shifts your decision making process from easy to extremely difficult.

An affordable car insurance quote may seem ideal but it actually can differ from one person’s specific insurance needs to another. The most excellent approach to finding the best affordable car insurance quote is first determining how much money you can set aside per month for the premiums without sacrificing on your current lifestyle. While it is encouraged to have an extensive coverage, it is always best to start from the price you can afford.

With whatever budget you have, Now Auto Insurance can find something that is just tailor-made for you!

The magic of Now Auto Insurance lies in our commitment to assist you with your insurance needs at the right price, and at your call. With Now Auto Insurance, finding the best affordable car insurance quote is no longer an overwhelming task. Leave your worries to the experts! Don’t waste your time searching the whole web!

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