Cheap Insurance Hayward, CA


Hayward, California is located in the Bay Area. It is close to the Silicon Valley and many residents here work in that region.

It is just a few miles from Oakland and about thirty minutes from San Fransisco.

The bustling economy that thrives here because of the tech empires shows how vast that industry really is.

Close to the ocean, there are many spectacular views. But people don’t come here for the beaches.

With 150 thousand people, it isn’t the largest city in the Bay Area,  and still has a fairly close knit feel to it.

This East Bay gem is worth visiting. Better yet, why not live here?

Great schools and a wonderful community of people is what Hayward has to offer you.

Hayward is home to the Zucchini Festival and the Russel City Blues Festival.

These attractions bring people from afar to enjoy the city. And if you live here, you probably look forward to these festivals all year.

Hayward is also known for having some of the best local dives and diners around. Get full on the local Pot Pie or Barbecue in town.

Living in Hayward is full of life, food and hospitality.

But with the Bay Area traffic and expensive homes, you will want protection.


How To Get Insurance In Hayward

The simple truth is that the Bay Area is one of the most expensive places to live in the world.

You may have a great job here, but you will have to make at least 6 digits to even think about purchasing a home.

Many people in this area choose to rent.

Most citizens also drive their cars and commute to the city for work. By the city I mean San Fransisco.

Others might ride their motorcycles across town for an easier commute.

Whatever your circumstance, make sure that you are fully covered.

First, you should gain knowledge about how insurance works and what you might want.

How much is your home worth to you?

How important is your car to your family?

Is there a reason you have not yet signed up for health insurance?

We at Cheap Insurance can help you with all of these items.

Putting all judgements aside, our only job is to match you with the right insurance company and plan.

Get the cheap insurance Hayward residents need.


Insurance Requirements Hayward


Homeowners Insurance


Owning a home is a special purchase.

To make sure your assets are covered, you will need to get your hands on the cheap homeowners insurance Hayward requires.

If you have people over to your house, own a dog or have installed a pool, liability insurance should be your best friend.

Property damage is important because life happens. Such as a tree falling on your house during a winter storm.

There is no guessing at when the next California earthquake will happen. So take charge now and have these things covered.

The best part about owning a home is the security of your investment.

But that security isn’t guaranteed without homeowners insurance.


This is what most policies offer:

    • Property Damage
    • Loss of Use
    • Liability
    • Limited coverage for stolen items
    • Additional coverage for valuables
    • Homeowners insurance covers four basic types of insurance: structure, personal belongings, liability, and additional living expenses.
    • The location of your home, the construction type, roof slope and many other features contribute to how much your homeowners insurance will be.
    • You can save money on your premium by raising your deductible.
    • You can bundle your insurance to save! Putting homeowners and auto together, for example, could save.
    • You may also want to pay for your insurance annually to save on costs.
    • 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.


Home Quote


Renters Insurance


Renting is a great option is you are a Bay Area resident. Homes can be expensive and owning is a burden at times.

The best thing to do if you are renting is to make an itemized list of everything you have in your home. 

Even if you don’t own, you will want your valuables to be covered.

You would be surprised at how much it all adds up to. From jewelry to furniture, the amount of money you put into your home is astonishing.

Take this time to secure it with the best cheap renters insurance Hayward can offer.


What does renters insurance cover?

  • 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.
  • 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.

a good tenant and get renters insurance.

Having the cheap renters insurance Hayward tenants need is simple.

Get your free quote today!


Renters Quote


Car Insurance


If you live in Hayward, your car is your best friend.

It is how you commute and how you get your kids to school. Transportation is a big deal in the Bay Area.

And commuting can be hard, with long, slow hours behind the wheel. Your family will need protection too!

Have a new teen driver? Expecting a baby? These are all reasons to up your car insurance plan.

Have the best cheap car insurance Hayward requires.

Here is the minimum requirements:

Bodily Injury Liability Limits:

  • $15,000 per person
  • $30,000 per occurrence

Property Damage Liability Limits:

  • $5,000 per occurrence

Facts about 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)
  • Having Towing and Roadside assistance can really make a different when you drive your car a lot. Don’t get stuck on the side of the road.


If more car insurance sounds right for you, give us a call today.

We can help you find the best policy for the right amount.


Car Quote


Motorcycle Insurance


Riding a motorcycle may be the right option for you. Maybe you have been a motorcycle enthusiast your whole life.

Perhaps you are looking at purchasing your very first bike. Either way, your insurance should cover all anlges.

Save money on gas and get places quicker. This is the upside for most riders.

Not to mention that great sensation when you are hugging a tight mountain corner.

But riding a motorcycle is riskier than driving a car.

You need to get your hands on the cheap motorcycle insurance Hayward wants you to have.

The minimum requirements are the same as a car, however you may need more.


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

You can also buy towing coverage, collision coverage, comprehensive coverage and uninsured motorist coverage.


Don’t forget to ask about our discounts when it comes to riding.

  • 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!

Get your free quote today by clicking on the button below.

You could have your quote within minutes.

If you need more information on how motorcycle insurance works, call us and talk to a broker.


Cycle Quote



SR22 Insurance


Getting a DUI is not fun and in fact it’s a hassle.  Even if you have made this mistake, don’t worry .

There is a way to get you back out on the road.

You need to attain the SR22 insurance that Cheap Insurance can offer you.

It is the insurance companies responsibility to file this document for you.

You must still inform your insurance agency that you are in need of SR22, and make sure you attain it for 3 years.

This is the law in the state of California.

But, it is also still your responsibility to know what the laws are on SR22 in each state.

We are dedicated to making this process easier for you.

  • 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.


There is more than one way to get a revoked license.

SR22 documentation is “proof of financial responsibility” for drivers who have had their licenses
revoked or suspended for any number of reasons, including:

  • DUIs.
  • Excessive violations within a certain time frame.
  • Driving without insurance.
  • Outstanding traffic or parking fines.
  • At-fault accidents while uninsured.
  • Reckless driving.


Attain the cheap SR22 insurance Hayward requires.

You will need to visit the DMV first to fill out the proper paperwork.

You will also have to have this insurance for a minimum of three years.

But calling us today will help get the process started!


SR22 Quote


Health Insurance


Having the right doctor can mean a lot to you and your family.

Saving money on health insurance can mean even more. You are on a budget, we understand.

That is why we have a large range of doctors to choose from. We can match you with a great plan for less.

The best way to think of health care insurance is as a safety net for your body.

You might be a healthy person, but accidents happen. Children happen and life throws us all sorts of curve balls.

Be the best you you can be!


What does healthcare mean for Californians?


  • First of all, health insurance is mandatory. It is based off of your income and is quite easy to attain.
  • 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.
  • You pay a monthly premium for your plan. You also have a deductible which you will owe if you visits cost a certain amount.
  • When you visit the doctors office, you will pay a co-pay which is usually around $15 per visit.
  • Most of the time your prescriptions can be covered under your plan.
  • 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.


Having the cheap health insurance Hayward residents want doesn’t mean breaking the bank.

Let us help you! Get your free quote today, and live healthier tomorrow!


Health Quote


Life Insurance


Life insurance is an underrated type of insurance because most people find it hard to talk about.

You will only know the importance of having life insurance when you are gone and your family is left unprotected.

Give them a gift. Have a great life insurance policy.

A life insurance policy can be used to cover mortgages and debts, funeral expenses as well as college funds for those you love.

The best part about getting a life insurance policy is the relief you will feel knowing that those closest to you are taken care of.

This can help with the cost of a funeral, paying off debts, and leaving money for college or a trust for kids and grandchildren.

  • If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses. It can even be used to earn a cash value that you can withdraw or borrow against later. Even though reading a policy can be intimidating, the basic facts of life insurance are pretty simple. You pay a monthly payment to the insurance company, and if you die, the people listed to receive the money will get the payout of your total coverage amount. 


Term life insurance vs. Whole life insurance

There are many different types of insurance policies out there, but term life and whole life are the two basic forms.

  • A term life is something you purchase for a certain amount of time at a flat monthly premium rate.
  • You can have this be a million dollar policy or much less. After the time is up, you have to renew your policy,
  • Whole life or permanent life insurance is something that you sign up for for the rest of your life.
  • Talk to a representative about how these differ and which one might be right for you.


Get the cheap life insurance Hayward families deserve.

Call us now!


Life Quote