Cheap Insurance Huntington Beach, CA

Surf City USA

 

Huntington Beach, California is a magnificent place to live and visit.

Located in Orange County, this town is all you’ve dreamed about and more.

Stunning beaches, magnificent houses and a cute downtown.

People flock here from all over the world to surf, eat and play.

You may be fascinated to know that many television shows are shot on location in Huntington Beach.

Huntington beach is also very popular with surfers.

In fact some would call it the surf capitol of the world.

There is a museum and Hall of Fame for surfers in this great city and many surf competitions are held here every year!

All beach-goers love this town. Even the dogs, who are allowed to run free on one of Huntington’s off-leash beaches.

When you live in a a place like this, it’s easy to be content.

But with homeownership, commuting to work and having a family, comes responsibility.

You need great insurance to make sure you are covered.

Get the cheap insurance Huntington Beach wants you to have.

 

How Do I Attain The Right Insurance?

 

For starters you should do your homework. What in your life do you want to be protected and for how much?

There are millions of policy options available. Knowing what you want will help your broker to find the right fit for you.

You should also make an itemized list of all of your belongings and how much they are worth.

This way you know your value and how much money you would want paid out for these items.

It also helps wrap your mind around how our assets become important to us.

We work very hard to live in a place like Huntington Beach. You will want to make sure that your insurance covers it all.

If you own a home and also a car, you can bundle your insurance policies together with the same company and save!

Companies like to reward loyalty. Take advantage of this!

Let’s take a look at what insurance policies you could have.

 

Insurance Requirements Huntington Beach

Homeowners Insurance

 

Owning a home is a huge moment in your life! You may have been saving and working towards this for a long time.

And everyone knows that homeownership in Huntington Beach is no small fete.

Feel proud of your accomplishment by attaining the best insurance policy possible.

Protect yourself with the cheap insurance you deserve.

You will need to get your hands on the cheap homeowners insurance Huntington Beach requires.

 

Here is what most policies offer:

    • Property Damage
    • Loss of Use
    • Liability
    • Limited coverage for stolen items
    • Additional coverage for valuables
    • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
    • 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.

 

What does a homeowners policy cover?

 

  • 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
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs

 

You will want to ask about discounts for your home.

If you have a security system or a sprinkler system installed in your home, you could save.

Know how to better protect yourself by calling us today.

You could have your free quote within minutes.

 

Home Quote

 

Renters Insurance

 

Renting can be just as rewarding as owning a home. This is why renters insurance can be helpful.

Your home is still your home even if your name isn’t on the deed. But you should still be protected against theft and liabilities.

Make sure you are insured correctly by knowing the facts and laws when it comes to renting a home.

You could be covered for more than you might think. Add up all of the assets in your home.

I bet you will be surprised how valuable you and your home actually are.

 

Here is what renters insurance can cover:

 

  • 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.

 

Have the cheap renters insurance Huntington Beach residents should have.

And feel at peace in the place that you live!

 

Renters Quote

 

Car Insurance

 

If you commute in a busy place like Orange County, you will need quality car insurance.

You love your car and the things it can do for you. It gets you and your family around safely.

Maybe you have more than one car on your policy. Perhaps you have owned the same car for years and no longer make payments on it.

There is a policy out there for you.

First, you need to know what is expected by the state of California and what minimum coverages there are.

Get your hands on the best cheap car insurance Huntington Beach requires.

Here are the minimum requirements:

Bodily Injury Liability Limits:

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

Property Damage Liability Limits:

  • $5,000 per occurrence

For the most part, this is all you need. But, if you have out a loan or lease on your car, you will need to be fully covered.

This means that you need to have Collision, Comprehensive and Uninsured Motorist coverage as well.

 

Make sure you ask about discounts:

 

  • 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

Getting a good deal on your cheap car insurance could really help your budget.

Let us make that happen for you.

Call us today and we can set you up with a policy that works for you!

 

Car Quote

 

Motorcycle Insurance

 

Save money on gas and get places quicker by riding a motorcycle in Huntington Beach. 

Riding a bike is a great feeling, with the turns of the road and the beach to one side.

But cruising on your bike is also a risk. You are at more risk of being injured on two wheels than you are on four.

Not to mention, you are exposed to the world and not confined to the structures of a car.

Many people love this feeling, but it doesn’t save you in the end.

You need the cheap motorcycle insurance Huntington Beach wants you to have.

It is not only the law, it will keep you safe.

The minimum requirements are the same as a car. 

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

 

However you may need more.

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

Ask about coverage for the following:

  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle
  • Towing- very useful for when you break down and are left stranded on the side of the road.
  • Uninsured Motorist- when the other party fails to carry insurance, you will still be covered.
  • Roadside Assistance- you can use this for emergencies and even flat tires.

 

You could be saving money and enjoying your ride today!

Get your free quote by clicking on the button below.

 

Cycle Quote

 

SR22 Insurance

 

This is the type of insurance you will need if you have had a DUI or a revoked license.

Don’t wait! Get ahold of us today and we can get you back out on the road.

Having your insurance broker on your side will help in so many ways.

There will be paperwork that the insurance company can handle for a fee.

You will need to make sure that you are up to date on your payments.

But after all is said and done, you could be driving again.

Cheap Insurance is  dedicated to helping you find the best quotes for SR22 insurance.

We can match you with the right agency to make sure that this certain type of insurance is correctly documented.

 

SR22 documentation is 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.

 

Get the cheap SR22 insurance Huntington Beach requires you to have.

And be prepared to keep it for a minimum of three years of payments and good driving.

It will be well worth it in the end!

Call us today and know that you are taken care of.

 

SR22 Quote

Health Insurance

 

The best feeling in the world is to be healthy and strong. To know that if something happens to you or your family, you could see a doctor.

You might be a healthy person who works out and eats well. Maybe you have never had an illness or injury.

But even if you work out every day and eat great food, you still need a doctor.

You still need health insurance because it is the law.

In the state of California, your policy coverage and costs depends on what you make. The more money you make annually, the more your health care could cost.

But don’t let this worry you. We can sift through our large network of providers and find the best one for you.

Let us help you find the right kind for you and your family.

What is health insurance and how can it work for me?

 

  • 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 premium every month that correlates to how much your deductible is. Raise your deductible and your premium goes down.
  • You may also have to pay a co-pay when you visit your doctor. This is usually around $15.

 

Choose the cheap health insurance Huntington Beach residents should have.

Call and get your free quote today!

 

Health Quote

 

Life Insurance

 

There is no better gift in the world than to give peace of mind. To make sure that your family is covered when you are gone.

And that is what you will give your family if you have life insurance.

Make them feel secure long after you are gone.

Life insurance is a policy that goes to your beneficiary when you die.

This money can help pay for debts, mortgages, and past due bills. It can also go to funeral arrangements and college funds.

You choose where your money will go. If you leave a Will, you can also be in charge of how that money is spent.

 

What is a life insurance policy?

  • 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.
  • You can choose to have anywhere from $50,000 to multiple of millions of dollars left to the ones you love.
  • There are two different types of life insurance plans you could have. One is called term life insurance and the other is permanent life insurance. One exists only for a certain amount of time before you have to renew, and the other is set in stone for the rest of your life.

 

Let us help you find the policy that works best for you.

Attain the correct amount of cheap life insurance Huntington Beach residents deserve.

Your family will thank you. And you won’t have to spend a fortune.

Life Quote