Cheap Insurance Fresno, CA

 

The Central Valley Centerpiece

 

Fresno, California is a centrally located town with a lot to give. Residents love living here for many reasons. The open roads are just as familiar as the bustling city atmosphere. It truly has the best of both worlds.  From vineyards on the outskirts of town, to horses grazing in pastures, Fresno is an A-typical beauty. Located in the San Joaquin County, Fresno covers much of the southern central valley of California. Rivers run and families gather in this friendly place.

Believe it or not, Fresno has almost the same amount of people as our state Capitol. That’s right, almost half a million people reside here. And there is a reason for that. There are many progressive changes happening in Fresno. One of those is it being the first city in California to allow “Tiny Homes” to be a suburban legal house. This makes home ownership much more affordable for some.

 

What kind of insurance do I need in Fresno?

Fresno is a place full of cars and congestions. Although there are many wide open spaces, those who live here know that having the right kind of car insurance and motorcycle insurance is much needed. Almost half of the residents here own a home. Having your biggest purchase protected is essential.  Renters will also want to call and get a quote for renters insurance. Fresno is home to quite a few tourists as well. You might not think so, but Yosemite National Park is close by and many people stay in Fresno on their way to camping and a good time.

Get the cheap insurance Fresno wants you to have to feel safe and healthy.

Here are some of the options you may be looking for.

 

Insurance Requirements Fresno

 

 Car Insurance

 

Car insurance is needed any time you get into a vehicle.

Feeling risk free while commuting is a great feeling.

Having the best cheap car insurance Fresno requires is just a click away.

  • Rates can vary depending on frequency of use, length of commute, territory, and your safety record.
  • Rates can depend on the city you live in and the amount of miles you drive your vehicle. The safer the neighborhood, the less you will pay for car insurance.
  • Almost 20% of California drivers are uninsured. You do not want to be one of them. But you will want protection against these drivers.

Check out what kind of insurance discounts you qualify for when you talk to a broker.

Call now and get a free quote.

Know your rights as a consumer to get the very best options available to you and your family.

 

Here are the minimum requirements for car insurance:

  • Bodily Injury Liability Limits: $15,000 per person and $30,000 per occurrence
  • Property Damage Liability Limits: $5,000 per occurrence
  • You may also need collision coverage which will make sure that you and your own vehicle are covered in a crash. You will not have to pay out of pocket when you have collision. There will be a deductible, but you can choose what this is at the beginning of your policy.
  • Comprehensive coverage is necessary when you have a loan out for your car. You may want to consider this option and add it to your plan. You will be covered for things like theft and other damages to your car that are not incurred in an accident.
  • Bodily Injury Liability Coverage will pay the injured party if you are at fault in an accident. It may also cover legal fee’s or loss of wages.
  • Bundling is coverage that includes multiple policies such as auto and homeowners insurance that are combined to save the consumer on premium costs.
  • Deductible is a portion of a claim paid by the insured which is a set amount stated in ones insurance policy.

 

Don’t waste anymore time. Contact Cheap Insurance today!

Car Quote

 

Motorcycle Insurance

 

Getting your hands on the cheap motorcycle insurance Fresno wants you to have is simple.

The minimum requirements for a motorcycle in the state of California are the same as a car.

You may want more than the minimum coverage.

If you have a loan out on a vehicle or you lease a vehicle, you will need to be fully insured.We all know that riding on the back of a motorcycle already puts you at a certain amount of risk. Some people ride to commute to work and save on gas. Others ride for fun. Whatever your pleasure, you need the best motorcycle insurance available.

 

What could I save through discounts?

  • Discounts for safety courses- there are many safety and training courses available and usually take up one whole day to complete.
  • Discounts for more than one motorcycle- if you have multiple motorcycles or vehicles, you could bundle and save!
  • Additional products purchased could get you discounts. Bundling your insurances is a great way to save!
  • Discounts for being a safe driver- years of a good driving record will save you when searching for the right insurance.
  • You can get discounts for being apart of an association such as Veterans of America or the AAA.
  • Basically any time that you show you are a good rider and keep a solid record, you will see the savings pile up!

 

Towing and uninsured motorist coverage can be added to your plan without spending much more.

They can be a great recourse if you are out on long weekend runs and need a tow.

Get your free quote today! And travel with freedom!

Cycle Quote

 

SR22 insurance

This is something that everyone who has ever had a DUI knows about.

We all make mistakes. Let Cheap Insurance help you mend your past while getting you the best coverage.

Having the cheap SR22 insurance Fresno requires is the law.

  • 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.
  • This is the law in California. Fresno residents can abide by it, but every state is different.
  • Make sure that you keep all of your forms with you in the car or bike you are riding. It is the law to have registration, insurance and SR22 paperwork on you at all times when driving.

But it is more. 

It is your gateway to getting back out on the road.

This is what you might need to do in order to attain it:

  • Tell your local DMV that you are getting SR22 insurance and file the paperwork.
  • Buy at least the minimum coverage for your car or motorcycle.
  • Be prepared to have SR22 insurance for at least three years.
  • Whatever you do, do not lapse on your coverage when you are under these circumstances. When you lapse on your insurance or SR22 fines, you will need to start the process over again.

Don’t hesitate to call and ask the questions you’ve been meaning to get answers for.

Remember that SR22 insurance isn’t really insurance at all.

But it is necessary in Fresno if you have had a DUI.

Get your free quote today!

Cycle Quote

 

Homeowners Insurance

 

Buying a home? Homeownership is about owning something that is yours and your families.

It’s a pretty  big deal. Not to mention a huge financial decision.

There are many things that come up when purchasing a home.

And even after you own the home for a while, you will keep putting money into maintenance.

  • When you purchase a home, your insurance company will look at a few different factors. One is your credit. Another is the safety features you have on your home. Do you have security locks? Are you going to install a security system. Having a fire sprinkler system installed will really give you the discounts you have been hoping for. Always make sure you have new smoke detectors installed in your home.
  • There are many discounts available to you if you ask. If you live by a fire department, have home safety devices like an alarm, have a deadbolt on your door, or have a good credit history you could save.

 

Each cheap homeowners insurance policy will differ, but most policies generally cover the following:

 

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property

We can help you get your hands on the cheap homeowners insurance Fresno wants you to have.

You can be covered for damage, liability, theft, and additional coverage for valuable items in your home.

Make sure this part of your life is covered!

Get your free quote today and protect your biggest asset.

Home Quote

 

Renters Insurance

 

Want to have the best cheap renters insurance Fresno requires?

You will need to call us and we will help match you with the right insurance company.

For as little as $10 a month, you could be covered for things like damage and liability.

  • 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.

Here is what you can be covered with homeowners and renters insurance:

  • Liability coverage (in case of an accident in your home)
  • Property Damage coverage
  • Theft Protection ( in case of a robbery)
  • Fire or smoke damage
  • Water damage in case the dishwasher breaks and floods the kitchen
  • Hail or windstorm damage
  • Dwelling- major property coverage that protects house and attached structures.
  • Ice and sleet damage
  • Explosion damage
  • Personal belongings such as jewelry, art and expensive clothing.

Your house is more than just property, it is your home!

Ask about how you can be covered for everything listed above.

Even if you rent, you deserve to have your home and your belongings covered.

Get your free quote today by talking to a helpful representative about your options.

Renters Quote

 

Health Insurance

 

Health insurance is the type of insurance that makes sure you and your family are protected.

The biggest issue that Fresno residents come across when purchasing health insurance is that they are not knowledgable about how it works. Don’t worry, it’s not your fault, it can be complicated! That is why you need a broker to help explain your options and how the health care system works!

Spend more time researching what you need. We at Cheap Insurance can do this for you. Give us a better idea of what you may need based on your past experiences. How often do you go to the doctor? How many family member do you want covered and for how much?

 

Here is an idea of how healthcare works:

  • 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.
  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company.
  • You can choose what your deductible and premiums are. Most of the time there is a co-pay that you have to pay to the doctors office when you visit.
  • Most of the time when you raise your deductible, you can lower your premium which you pay monthly.

Feel secure with doctors who care at an affordable rate!

Having the best cheap health insurance Fresno wants you to have is a smart idea.

Cover you and your family without breaking the bank.

Ask your broker how you can save money on your healthcare insurance!

Health Quote

 

Life Insurance

 

The cheap life insurance Fresno residents usually have, means more protection and less money. Life insurance isn’t always something that people like talking about. Death is a scary word. But there is beauty in being prepared for the worst. You will want to give this gift to the ones that you leave behind. If you have grandchildren that need a college fund, it will be covered. You could have all of your debts and mortgage payments covered as well.

Most of the time, life insurance means security for your loved ones. You can choose your beneficiary, which is the person who all of the money goes to after you perish.

 

What is life insurance and how does it work?

A policy is a contract between a life insurance company and someone who has a financial interest in life value of someone else. Sometimes it doesn’t have to be a person but a trust. Putting money aside for another individual in case of death can greatly benefit family and friends.

Most of the time people choose their amount of life insurance by multiplying their annual income by ten. If you make 50 thousand dollars a year, then you would want to choose at the very least, a 500 thousand dollar policy. Another way to calculate your insurance is to add up all of your expenses and debts and then multiply that by ten.

These number are rough estimates. Talk with a broker further to find out what you might need. Meet with a financial advisor and know your rights. There are a couple different types of life insurance policies you could qualify for.

Get your free quote today!

And live with freedom knowing your health and your families health are covered.

Life Quote