California Insurance Guru

Always remember, flood and earthquake insurance are not covered by a standard homeowners policy. You will need to ask for and get separate quotes for flood or earthquake insurance, as they are not part of a normal homeowners insurance policy.  If you buy a home in a designated flood area, you will have to buy a […]

1.  Shop Around When you receive a quote from Starkquote insurance for your home you are shopping several companies at one time.  We will tell you which company has the lowest price.  Don’t consider price alone, the company you select should offer a fair price and give you the quality service you expect. Below, I […]

You can obtain an insurance policy with a SR-22 without a car.  Just ask your agent for a non-owner policy.  A non-owner policy covers you for liability on any car you drive.  To qualify for the non-owner policy you cannot be a registered owner on a car.

An individual health insurance policy is a medical plan for individuals.  There are several reasons why this plan may be  for you.  You may need an individual health policy if you are a single person needing an affordable medical plan.   You could be a student looking for low cost insurance with a high deductible.  You may be a […]

First thing you do is make sure everyone is okay.  Next, call the police.  They will send someone out if there are injuries.  Keep in mind, a police officer will not be dispatched if everyone is okay.  If the police are dispatched to the accident they will take statements and call for medical assistance if needed.

Most insurance companies will say no. But, there are several companies that will insure you. This situation comes up when someone needs to have a car, but has no credit. So, for financial reasons, they will buy a car in someone else’s name and have the need to insure it. The person who owns the […]

The answer to that is yes and you won’t be required to have a California drivers license. You can obtain insurance with an international license or a license from a different country.

Auto insurance policies are one of the most basic and common types of policies available to consumers. Like any other insurance policy, they involve specific terms and protocols that are often confusing to wade through. Quite simply, an auto insurance policy includes these elements: there is the insurance company, who is offering the policy; the […]

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 […]