California Insurance Guru

Motorcycle insurance can be expensive.  There are a few ways to make sure your premiums are low and remain low. You need a M1 designation on your license. If you only have a permit, your premium will be higher.  So, the first thing to do is get your motorcycle M1 license.  Don’t try and get […]

Are you a person who thinks you don’t need to talk to a California insurance agent to obtain insurance?  Do you know what coverage you want? If you are insurance savvy and computer literate, you can obtain car insurance on-line without talking to an agent. Yes, you read correctly! A lot of people already know […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more. Is it important to have insurance? Thats a wide open question. We have a need to insure against a liability and to protect […]

Years ago when I first started as an insurance agent, I went on an appointment to write a car policy.  The customer was a old gentleman living in the Los Angeles area.  I asked the normal questions about accidents and tickets.  The insured replied that he never had any tickets or accidents.  The prospect had […]

I received a call today.  The caller expressed to me that she didn’t like her insurance agent and wanted a new home insurance quote.  I asked what insurance company are you currently with and who is your agent? She told me her agent did not process a mortgagee change months back and her current mortgage […]

The end of the year is upon us and that means a new year is to begin.  There have been no changes in the minimum car or motorcycle insurance requirements for California.  The requirements are as follows: $15,000 per person and $30,000 per accident for liability. $5,000 for liability property damage. Other coverage that you will […]

A person was in my office yesterday.  They were buying car insurance.  The person stated, ” I hope I’m not making a mistake”. Well, I was alittle taken back.  I asked what was meant by that.  After listening to the reply I realized that this person and most people felt the same way when buying […]

I would like to invite anyone with questions for California insurance to email us your query.  We are actively seeking people who have questions concerning California insurance.  We write weekly articles on questions or concerns for California residents.

Retirement years bring a lot of new surprises.  Although, your body may not react the same way, your insurance should be a source of some comfort.  There are many discounts for retired people on car, home and other insurance.  Not only are there discounts for having multiple policies with one company, there are discounts for […]

The holidays are coming and with them the cold weather.  Winter is just around the corner.  Are you and your car prepared? Here are some important tips to help you winterize your car. Get an oil change.  Use the right kind of oil.  Oil tends to thicken as it gets colder and if its too […]