California Insurance Guru

Thats right, this month only, no broker fee.  For the month of October, 2007, we are offering insurance policies with no broker fee.  Just go to www.starkquote.com and click on auto insurance under quote me’ on the left side of the home page.  Fill out the form and write, NO Broker Fee’ in the comments section.  […]

Okay, so you have a car or home policy and you want to make a change to your policy.  What do you do?  Do you call the company directly or do you call your agent?  Of course, you always try to call your agent first.  Your agent should know you and be familiar with your […]

Statistics show that most people have their car insurance with one company and their home insurance with another.  In some cases that might be the way to go, but in most cases you will save big dollars if you get quotes for both policies with the same company.  Seek out the companies that give big […]

Well, what can you say, the time has finally come.  Your child is now a teen and ready to drive.  Depending on the situation and the insurance company, this can be a costly adventure.  The 1st thing to decide is, will your teen be driving your car part-time or will they have their own car?  […]

Life insurance is for the living.  Well, what does that mean?  Scenario; you have a family, a wife and two kids.  You are 35 years old and your children are grade-school age.  What happens to your family if you die?  Chances are, if you don’t have a good life insurance policy in effect your family […]

People ask me all the time, “should I get uninsured motorist”?  Insurance is about taking on a risk or paying an insurance company for taking on the risk.  Liability insurance is required, but the other coverages are not.  What this means is you have a choice.  A choice to take on a risk, a chance […]

The insurance industry in the State of California is regulated under Part 2 of the California Insurance Laws.  Life insurance claims procedures and policy requirements are in place to protect you, the consumer. California law provides consumers a “free look” period of 10 days in which to decline or accept a life insurance policy.  Many companies […]

When you buy a home you will want to know if that house has had any losses or claims reported by insurance companies.  You don’t want to own a house that has inherent problems or losses that haven’t been fixed.  Losses on a home that you buy could affect qualifying for a standard insurance policy.

The following are the minumum legal requirements for getting auto insurance in California: · Minimum bodily injury liability per person in an accident: $15,000 · Minimum bodily injury liability per accident: $30,000 · Minimum liability for property damage in an accident: $5,000 · Uninsured motorist coverage is NOT required · California is NOT a “no-fault” state