Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

California Insurance Guide

California isn’t just about vacations and surfing; it is a state where many residents work to raise families and achieve their financial goals. Insurance regulations in the state can have an effect on both these activities, so here is a brief overview.

California Auto Insurance

California auto insurance works a little bit differently than other states. In California, drivers must carry at least $15,000 bodily injury liability for a single-person accident and $30,000 for a multi-person injury accident. For property damage liability, California auto insurance customers must have at least $5,000 in coverage. But there is also a low-cost assigned risk plan for certain California drivers that allows for lower limits ($10,000 single-person, $20,000 multi-person and $3,000 property damage).

California is not a no-fault state and they do not require uninsured motorist coverage or personal injury protection.

California Health Insurance

California health insurance is relatively easy to understand. There is no requirement for insurers to offer coverage to those individuals who have pre-existing conditions and there is a high-risk pool for those who have been denied care, have no access to group coverage or who have been quoted excessive, unaffordable rates due to the high risk of claims that they present. The state of California does not offer a state income tax deduction for contributions made to health savings accounts (HSAs).

Groups of 2 or more can get group California health insurance with rates restricted by rate bands. In California, some pre-existing conditions cannot be excluded from group coverage unless a break in coverage over the past 6 months has exceeded 180 days in some circumstances, and the standard 63 days in other circumstances. You should visit the California Department of Insurance website for details.

Pre-existing conditions that are excluded from coverage under a group plan can only be excluded for a maximum of 6 months.

California Home Insurance

When searching for California home insurance, California residents have the freedom to search many different insurers in order to find the policies and premiums they are looking for. California home insurance coverage is particularly important for earthquakes, wildfires and hurricanes since the state has a high rate of incidence for these natural disasters.

California Life Insurance

In order to protect California life insurance customers from the possibility that their insurer could become insolvent and be unable to pay claims on their life insurance policies, The California Life & Health Insurance Guarantee Association was created in 1991. This association can provide payment for 80% of a life insurance customer’s death benefit up to the maximum of $250,000. It also protects 80% of the cash surrender values, up to $100,000.




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