California Insurance Guru

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 you have […]

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 child growing up in Southern California we didn’t have these yearly fires.  The world is changing, people aren’t as safe as they were in the past.  We have terrorism, pedophiles and some other bad elements that are causing the current problems. 

What can we do? 

The first thing is to realize that our society has changed.  The second thing is to be prepared.

If you’re in an area where these fires are happening you need to have a plan.  A plan that is practiced and reviewed by you and your family.  You need to gather important items, menentos and other things that cannot be replaced and be ready in case you are asked to leave your home because of a fire threat. [Read the rest of this entry…]

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 child […]

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 of these companies and charges you a broker fee, you should call the company and report them.

Broker fees are mostly charged by insurance Brokers, why?  Brokers just don’t represent one company, they represent several.  The advantage to you, you are shopping several companies when you get quotes from an insurance Broker.  The insurance Broker is charging you a broker fee because they are searching the lowest quote for you and again they represent several companies.

One of the reasons I charge a broker fee is because some people start a policy just to get a proof of insurance I.D. card and then they cancel the policy.  Essentially, the agent has to pay back his commission and basically works for nothing.  On the other hand, if the agent collects a broker fee, he is assured of making some money for his efforts.  [Read the rest of this entry…]

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.  If we write your car or home policy in the month of October, you will not be charged a broker fee.

Keep in mind, when you shop at www.starkquote.com for your insurance, you are shopping several companies at once.  Starkquote represents several insurance companies to get you the best coverage at the lowest rates possible.

So, what are you waiting for? [Read the rest of this entry…]

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.  If we […]

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 residency is where you live, receive your mail and how long you live there during the year?  Is your driver’s license and car registered in the same state?  If you plan on going back to your state, you may not want to change your driver’s license and car registration to another state.  It can become costly to change back and forth.  Again, if you are moving permanently, then you will have to change your driver’s license, registration and insurance to that state.

States could have differences in minimum liability requirements, or be a no-fault insurance state.  Some states may offer coverage for loss of income, funeral expense, accidental death, etc., while other states may not.  Whatever the coverage differences, your policy will comply with the minimum standard requirements for liability in each state. [Read the rest of this entry…]

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 account.  If the agent is not familiar with your account, give him time to review your file before answering any questions. 

What you don’t want to do.

Do not leave a policy change or request over the message recorder.  You are welcome to leave a message for a return call, but your policy will not be changed if you leave a message.  Again, if it is an emergency and you cannot wait to speak to your agent, then call the company directly. [Read the rest of this entry…]