California Insurance Guru

Thats right, you read the title.  California drivers are required to have liability insurance.   How important is car insurance?  Well, its right up there with food.  If you don’t have car insurance, you can’t get to work, the store, the doctor or anywhere.  If you can’t get to work, you don’t have a pay-check to […]

Today, I’m writing about my past articles.  These articles are written for you, the California consumer. The article on Wild Fires in California let everyone know how important it is to have a knowledgeable and personal agent.  I wrote about agents who are brokers versus captive agents and what it means to you.  Another article […]

The fires have been contained in Southern California as of the writing of this article.  The people in the burn areas as well as most people around the state are pulling out their insurance documents for their home policies.  The question on most of their minds, Do I have enough coverage for my home and property’?  If […]

Its the season for wild fires in California.  October seems to bring the winds and fires to our Southern part of the state.  This year is no exception and we are seeing fires in San Diego, Malibu, Santa Clarita, Orange County and the San Bernardino Mountains.  Most of these fires are human produced.  As a […]

Not all agents charge a broker fee.  If the agent is a captive agent, which means they only sell insurance for one company, then that agent is not allowed to charge a broker fee.  Captive agents work for companies like, State Farm, Allstate, Farmers and AAA to name a few.  If your agent works one […]

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.  […]

Your policy covers you anywhere in the United States.  But, there may be differences from state to state.  If you are staying in another state for a long period of time, say 3 months or more, you may want to change your insurance.  The determining factor is, where is my permanent residence?  What determines your […]

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 […]

I tell all my insured’s to call me first if they have a claim.  I tell them, I want to talk to you first, if possible, to advise you before you talk to a claims representative.  An insured of mine recently called to ask about a possible claim on their auto insurance policy. The insured said, “I hit […]

Well, the time has come, you’re a homeowner.  You need to obtain insurance.  How much insurance do you need for your home?  You may think you need to insure your property for the amount of the purchase. NO. First thing you do is call an insurance agent.  I talked about this in the past.  You […]