Cheap Insurance Davis

All Things Right And Relevant

Located just over the river from the capitol, Davis is the most populated city in Yolo County. Not including the almost 10,000 students that take temporary residence in the city each year, the population of this bustling college town is close to 70,000. Easy commutes to both Sacramento and the Bay area, makes it one of the most desirable cities in the Sacramento Valley. Before the University opened in 1908 (know then as a college of agriculture), Davis was little more than a local farming community. It’s location on the Southern Pacific Rail line helped its economic stay strong in those early years.

While farming was a huge part of Davis’ early role in California, the city has since grown into a thriving enclave of artists, intellectuals, musicians, and students. Downtown Davis boasts dozens of great restaurants, theaters, coffee shops, book stores, and retail stores. The city has chosen to avoid the big-box stores, instead preferring to keep small businesses strong. The weekly farmer’s market draws people from all over the area. You can find a variety of local produce and artisanal products like honey, clothing, and art for sale each weekend.

UC Davis

UC Davis has grown from a farming college into one of the best Universities in the State. It has produced numerous famous writers and scholars, and tops many of the nation’s lists of best colleges. But the school’s roots (and the city’s) are still firmly planted in agriculture. The veterinary school is one of the best in the nation.

There is also a big push for green initiatives in Davis. The city is very environmentally-conscious, and the building codes focus on energy-efficient techniques and materials. The city also passed a “dark skies” initiative in 1998 to reduce light pollution. This has the added affect of making the town seem quaint at night. Main street lights up with business and activity, but it loses its “city” feel, which many residents enjoy. The university, schools, and local government are the largest employers, along with all the small businesses.

Students have no trouble finding work in one of the many books stores or coffee shops, while many residents commute into nearby Sacramento for work. This also means there are a ton of bike riders in the city. Bicycles are a huge part of the local culture, and the city has done a lot to encourage their use. This keeps traffic down, but if you’re in your car you’ll have to keep more of an eye out for pedestrians.

More Excitement About Davis

Housings costs have risen as more and more people move out from the Bay Area (where the cost of living is even higher). But it would be hard to find a more stable real estate market outside of Davis. Because its a college town, rents have gone up, and new building projects will continue to bring more life and more people. An incoming technology center will be built within the next decade, focusing even more on green building and technology. So if you want to get on board the next wave of the future, take a look at Davis. The city has a ton to offer, and most people who move here never leave.

If you are hoping to settle down in this great city, you may be looking for insurance. Whether it’s homeowners insurance, renters insurance for the college student or car insurance, you will want to call Cheap Insurance. Know your facts about the laws regarding insurance in California. Get the cheap insurance in Davis and live your life protected.

Insurance Requirements In Davis

Car Insurance

Car insurance is one of the most important types of insurance.  Californians rely on their cars for just about everything. Many college students in Davis try and ride their bikes from point A to point B. It is a very bike-friendly city. But in order to get to Sacramento or San Fransisco or any type of commuting, you will need a car. Getting just the minimum amount of car insurance usually is not enough. And if you have a loan out on your vehicle, you will definitely need full coverage. Getting the cheap car insurance in Davis means talking to a broker and asking about discounts. Let’s find out more.

About Car Insurance

  • Auto liability insurance is required in California, but the state only requires minimum liability.
  • The required liability limits for Auto Insurance are $15,000 per person / $30,000 per occurrence for Bodily Injury liability and $5000 for Property Damage Liability
  • Basic California liability for Autos provides no coverage for your vehicle if you are at fault, or if your vehicle is stolen.
  • If you are financing a car, most banks or lending institutions will require comprehensive and collision coverage (usually not to exceed a $1,000 deductible)
  • Rates can vary depending on frequency of use, length of commute, territory, etc.

Make sure you ask about the cheap insurance quotes in Davis and save money today!

Car Quote

Homeowners Insurance

There is no better feeling than purchasing your first home. After all of the stress and finances are situated, you can walk into your home with a feeling of pride. To get to this point in a place like Davis takes patience and savings. Davis is one of the more expensive communities in the greater Sacramento area. But you get what you pay for and a city like Davis is well-worth the investment. Along with this investment, you will want protection. Getting a great homeowners insurance policy will make you and your family feel safe. There are many different options and ways to save on this type of coverage. Just click on the link button below to find out more. Getting the cheap insurance Davis homeowners need is really just a click away.

What is homeowners insurance?

Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages. Credit can be an important rating factor when looking for homeowners insurance. The difference in cost between someone that has excellent credit versus poor credit is nearly half. Homeowners insurance covers four basic types of insurance: structure, personal belongings, liability, and additional living expenses.

Home Quote

Renters Insurance

Renting a home can be a great option if you are not ready to buy. There are thousands of college students in Davis who rent. Whether it be renting a room or a large house, you will want to protect your assets. This means that the items in your home or room need to be protected from theft. You can also add liability and other protections to your policy. You could have a renters insurance policy for as little as $20 a month. Itemize your assets and understand their value. Then come up with a plan that works for you by talking with a helpful representative at Cheap Insurance.

Here is what could be covered with renters insurance:

  • Theft- if someone comes into your home and steals any personal property
  • Fire or lightning damage- mother nature has a way of damaging property
  • Smoke damage- a small kitchen fire can cause a lot of damage, be covered.
  • Water damage- if there is any water damage to the house you are renting it could costs thousands to repair
  • Hail or windstorm damage- Live in a place with high winds? Be prepared.
  • Damage from falling objects- If a tree falls, it can cause some serious damage.
  • Personal property- Jewelry, furs, fine art, and the excess things in your house not covered by theft.
  • Dwelling- major property coverage that protects house and attached structures.
  • Liability coverage-If someone is injured in your house, they could sue. Liability is a good idea.
  • Medical payments to others- if someone is injured and needs to have medical care.
  • Loss of use- which means that you will still be covered if the house you live in needs repairs from fire or other damages. This coverage helps with additional living expenses for you and your family.

Renters Quote

Motorcycle Insurance

Whether you are commuting from Davis into the Bay Area or just down the road into Sacramento, a motorcycle can save you money, time and gas. Many people choose to ride a bike because they love the feeling of freedom. Others choose to ride one because of the financial benefits. This even includes scooters that you can often see around college towns.  It could be the feeling of adventure or a better way to dodge traffic. Whatever your reason for loving your motorcycle you know it puts you at risk on the road.

Weather can get tricky in parts of Northern California. Make sure you have the best protection possible by having full coverage on your bike. The best insurance in California can be found by talking with a broker at Cheap Insurance. Understand your needs and responsibilities when out on the road.

What You Need

You will need to have the minimum coverage on your bike to ride out on the road. This varies by state. Here is an example of the minimum coverage needed to ride in the state of California:

  • Bodily Injury Liability Limits: $30,000 per occurrence/$15,000 per person
  • Property Damage Liability Limits: $5,000 per occurrence

    Types Of Motorcycle Insurance Offered

    • Two Wheel Motorcycles
    • Scooters
    • Mopeds
    • Motocross and Dirt bikes
    • Trikes
    • Custom Motorcycles and Choppers
    • Kit Bikes
    • Any factory-built two or three-wheeled vehicle

 

Cycle Quote

SR22 Insurance

Most likely if you are looking to purchase Sr22 insurance, you have had your license revoked. Many times, especially in college towns, this is because you have had a DUI. Drinking and driving never mix. But if you are in this situation, you need help from a professional broker. Getting into an accident while drunk or simply being pulled over while under the influence is a sure fire way to get a DUI. When you get your license revoked, it takes a minimum of three years to obtain it again.

You will need to purchase SR22 insurance along with your regular car insurance for this time. Never lapse on a payment and stay out of trouble. This is one way that the state of California can once again depend on you as a driver to be safe while out on the road.  Don’t take it personally. This hard time will pass and there are options for you.

Where to get started:

  • The first thing you need to do is contact your car insurance company. In most states there is a $15 to $25 fee to file the SR22.
  • To obtain an SR22 filing, you must purchase minimum liability coverage on all vehicles registered to you, whether they are operational or non-operational. For those who do not own a vehicle, “non-owners” liability coverage is required.
  • The DMV determines when and if your driver’s license may be reinstated. DMV fees, typically a $10 reinstatement fee, are required to reactivate your driver’s license. In addition, any parking or moving violation judgments or fines will need to be resolved before reinstatement as well.

SR22 Quote

Health Insurance

Being healthy means staying active and eating the right foods. You will want to make sure you get enough sleep and stay stress free. In this day and age it is harder and harder to do all of these things. And even if you do, there will come a time when you need to see a doctor. Getting on an insurance plan that is affordable is easy when you talk with a broker at Cheap Insurance. Health care coverage is mandatory in the state of California. Luckily, rates for this coverage are based on your annual income. You can still have a doctor you trust at a price you can afford. Every plan is different. Find out what cost and premium work best for you and your family.

What is health coverage?

  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker’s compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • To qualify for government healthcare, one must meet a financial criteria.

 

Health Quote

Life Insurance

When the time comes for you to leave this earthly plain, don’t you want your loved ones to be taken care of? Having dependents means that you owe them financial security in the end. It is never too early to start looking towards the future. With a great life insurance policy you could help your family pay for funeral expenses when you die. The money you leave behind can also be used to pay off debts, mortgages and college. Do the right thing and understand more about how life insurance can work for you. There are a few different types of policies and it is very important you understand them. Working with a broker can be one way of doing this. Get your family on the right path for the future.

When do I need life insurance?

If you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe.

Life Quote