Cheap Insurance Folsom

Distinctive By Nature

Folsom, California is a bountiful suburb of Sacramento. Known for the prison that resides here, most people think of Folsom Prison and Johnny Cash. But the truth is there is so much more to Folsom than the famous prison. With around 80 thousand residents, this bustling town is full of industry, families and a vibrant night life. Many people over the past 10-20 years have chosen to settle down in Folsom because of its relativity to Sacramento. Pushed up against two main waterways, the adventure in Folsom never ends. Folsom Lake is a sprawling lake where you can horseback ride, hike, and take the family for a fun outing. Folsom Lake is fed by the American River and is used as a Dam.  This hydraulic Dam is functional on many levels but is mainly used for power.

Lake Natoma which is actually a river, is full of beautiful granite outcroppings and kayakers year round. There are many scenic moments to be had for Folsom residents. Take the dogs out for a swim, or perhaps you would like to learn to paddle board. The weekend adventures seem endless in this beautiful Northern California place. Most of the residents of Folsom either commute into Sacramento for work, or are a part of the work force in Folsom itself. This workforce has been growing over the last several years. With the building of new subdivisions and a new outdoor mall, Folsom is a busy city.

A Flourishing Suburb

The town has managed to keep its old and distinct charm by updated what they call “old town Folsom”. These saloons, night clubs, restaurants and antique shops bring in tourism and money for the city. Every year the Folsom Rodeo is held on the Fourth of July. This three day long event brings in happy families looking for entertainment. The Folsom Zoo is more of an animal sanctuary than a zoo. It serves to show people how animals like wolves and bobcats live. These rescued animals are ones that would not normally make it in the wild. Newer shopping centers lie just north of town close to El Dorado Hills. This allows for residents from multiple surrounding towns to shop in Folsom and boost the economy.

More On Folsom

It is hard to say why some cities really flourish and others do not. But Folsom is a well-planned community filled with great schools and a high safety rating. There is also a community college in town which holds events every year. The theater called “Three Stages Theater” was designed for acoustics. This venue brings in ballets, musicians and plays of all kinds. Another great idea is that it is attached to the community college so the money from this great theater goes right back into the school itself.

If you are looking to settle down in the greater Sacramento area, there is really no place like Folsom. Compared to many other towns of its size, the economy is flourishing here and the people stay very happy. When looking to purchase a home or a car for that long commute, you will want great insurance. Find your cheap insurance in Folsom by contacting a broker today. The best deals are right at your fingertips if you know the right questions to ask. Bundle your insurance plans or simply shop around for a better deal. No matter what your needs are Cheap Insurance can help.

 

Insurance Requirements In Folsom

Car Insurance

If you live in Folsom but need to commute into Sacramento, you may need a reliable car. Even stay at home moms or college students rely on their cars for daily use. This means that you will want to have great insurance that you can afford. There is a basic amount of car insurance every driver must carry in the state of California. Some people choose to take public transit. But as a Californian, you realize that there is more use with a car than any other form of transportation. This is why many people choose to carry full coverage which includes roadside assistance and towing. You could be covered for everything you need when you ask a broker about discounts in your area. The best cheap insurance Folsom has to offer is only a click away.

Here are a list of discounts you could qualify for:

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts
  • Occupation discounts- Depending on what kind of job you have and how far you need to commute for that job could make a difference in your policy choice and price.
  • Excess vehicle discounts
  • Mileage discounts- Keeping low miles on your vehicle should keep your premiums lower.

When you are looking at purchasing the cheap car insurance in Folsom, talk with a representative you can trust.

Car Quote

Homeowners Insurance

If you are looking to settle in with your family and make Folsom your home for good, you might be shopping around for real estate. The real estate market in Folsom is great. There are new housing developments being built as well as older homes which are historic in nature. Looking for that perfect home can be a large task. It also takes money, time and effort. For the best results when purchasing homeowners insurance, you should with a professional. There are many ways to save money on your homeowners policy simply by making your home safer.

Get the cheap insurance quotes in Folsom that every homeowner should have. Policies vary in price. When you have a pool, you will want more coverage. Is your home located in a place that could burn from wild fires? Maybe you like to have a lot of parties and guests over. This means you will need more liability or fire protection for your home.

More About Homeowners Insurance

  • You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.
  • If you have a home-based business, your homeowners insurance could be a tax write off.
  • Neglect of the home is a red flag for insurance companies. If your home is in bad shape or something is damaged because of negligence, they may not pay out.
  • Depending on what kind of dog you have, your liability insurance may not cover that particular breed in the case of a dog bite.
  • Know that every time you make a claim, your premiums could go up.
  • We have been a leader in this field over over 40 years and have all of the answers to your questions. Let us make this insurance buying process easy. Get your hands on the cheap homeowners insurance you and your family need.

Home Quote

Renters Insurance

If you aren’t quite ready to purchase a home, you are probably renting. Many college students rent apartments. And families of all shapes and sizes rent larger homes in the Folsom area. Renting is a great option for those who cannot afford a home. But it may also be a lifestyle choice. Many people cannot afford the down payments needed on homes in the Folsom area. Folsom is one of the more affluent parts of the great Sacramento region. For this reason, renting is a great choice. When you rent, you will want a great renters insurance policy.  You need to be covered for at least theft and liability. It is not the job of the landlord to insure the assets in your home.

About Renters Insurance

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.
  • Renters insurance can be very affordable.
  • You may not think anything in your house is valuable, but add it up. Most renters have over $10 thousand dollars worth of valuables.
  • A basic liability coverage is $100,000 of coverage for $50 a year. This is quite a steal, but you should have it. You can always raise the limit to $500,000 a year.
  • Liability coverage usually covers if your dog bites someone as well.
  • Sometimes renters insurance even covers your things if they are stolen outside of your apartment or home.
  • Many people do not know that the landlord is not responsible if there is a fire or damage to the home. If your personal belongings are destroyed, it is up to you to have insurance.

Renters Quote

Motorcycle Insurance

There is so much to love about owning a motorcycle. When you live in Folsom, you are about an hour and a half away from the beautiful Sierra Nevada Mountains and Lake Tahoe. There are a ton of bikers who make this weekend run into the high country. You might also enjoy taking your bike out for a more leisurely outing around Folsom Lake. Many people choose to purchase a motorcycle to save money on gas and make their commute into the city a little easier.

If this is you, you will want to have a great insurance plan for your bike and gear.  Staying sage on two-wheels is a lot harder than staying safe on four. You will want to carry full coverage. Most bikers agree that carrying towing and roadside assistance can come in handy as well. Get the best results when you rely on a great company like Cheap Insurance to help you find what you are looking for.

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

There are many other options available as well.

  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.

Cycle Quote

SR22 Insurance

If you are looking for Sr22 insurance, most likely you have run into some trouble with the law. Don’t hesitate to call a broker from Cheap Insurance to get the answers you deserve. There are a few different reason you may have had your license revoked and need SR22 insurance. One of those ways is by getting a DUI.

Another reason may be because you are driving around without the proper insurance coverage. If the law is not on your side, you will need to acquire Sr22 insurance for a minimum of three years. You will also need to keep your regular car insurance as well. This can get pricey but ask a Cheap Insurance agent how they can help. The best thing to remember is that this is temporary.

What is SR22 insurance?

SR22 Insurance is a vehicle liability document required by the Department of Motor Vehicles for “high-risk” drivers. It is a document issued by your insurance company showing proof that you are carrying the minimum amount of auto insurance required in your state. SR literally stands for “safety responsibility”.

SR22 Quote

Health Insurance

Health insurance is there for you when you may not be feeling your best. Coverage for this is mandatory in the state of California and this means you need to get it. You could be living a healthy life but still need an emergency room visit or yearly visit. Maybe you are thinking about starting a family. Prenatal coverage is always an option. Make sure you have the best coverage in Folsom with a doctor that you trust. Lowering your monthly premium may mean raising your deductible. There are many options for you and your family so call a broker today or click on the link button below. Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you.

Health Quote

Life Insurance

When you leave this life, you will want those who are dependent on you to be taken care of. This might mean giving them a healthy financial cushion to rely on. Money from a life insurance policy can be used to help pay for funeral expenses, debts and mortgages you leave behind. There are a few different types of life insurance plans. Know your facts and have an idea of how much money you would like to spend each month. For around $50 a month you could have a great policy.

Talk to a broker and get the needed information to make your families life easier when you are no longer around. It is never too early to start shopping for a life insurance plan. In fact the younger you are, the more money you could end up saving. Life is full of unknowns. Be prepared for the worst by talking with the best. Click below for a great policy with Cheap Insurance.

Life Quote