California Insurance Guru

Yes, no, maybe. If you listed an excluded driver on your policy, there is no coverage for that person if they drive your car. If the person you are loaning your car to is not excluded, there should be coverage.  Again, you need to talk to your agent to discuss your policy coverage and limitations. Anyone living in your […]

Yes, no, maybe.  If you listed an excluded driver on your policy, there is no coverage for that person if they drive your car.  If the person you are loaning your car to is not excluded, there should be coverage.  Again, you need to talk to your agent to discuss your policy coverage and limitations.  Anyone living in your […]

Most policies will cover you if you rent a car for pleasure or while your car is being repaired.  If you are renting your car for business use, there is no coverage. You must carry physical damage coverage which is comprehensive and collision.  If you do not have this coverage you would not be covered while […]

Most policies will cover you if you rent a car for pleasure or while your car is being repaired.  If you are renting your car for business use, there is no coverage.  You must carry physical damage coverage which is comprehensive and collision.  If you do not have this coverage you would not be covered while […]

Don’t confuse these two coverages, they are different. I’m going to first talk about property damage coverage. You are required to have property damage coverage on your car policy.  Property damage covers damage you cause to someone else’s car or property when you are at fault in an accident.  The minimum property damage coverage by […]

All insurance companies charge higher rates for drivers with accidents or tickets on their records.  Insurance companies charge higher rates because statistics show that these drivers are higher risks.  Each company has different ratings, but they all adjust their rates to reflect their exposure.

All insurance companies charge higher rates for drivers with accidents or tickets on their records.  Insurance companies charge higher rates because statistics show that these drivers are higher risks.  Each company has different ratings, but they all adjust their rates to reflect their exposure.

Don’t confuse these two coverages, they are different. I’m going to first talk about property damage coverage.  You are required to have property damage coverage on your car policy.  Property damage covers damage you cause to someone else’s car or property when you are at fault in an accident.  The minimum property damage coverage by […]

Auto insurance is expensive.  But, there are ways to keep your insurance premiums down. I will mention 6 factors that affect your car insurance premiums. The first factor is your driving history. What kind of driver are you?  Do you have tickets and accidents on your record or do you have a clean driving record?  […]

Shop around and make sure the quotes you are comparing match your current policy. Talk to the agent about higher deductibles for comprehensive and collision.  The higher the deductible the lower the premium.