Cheap Insurance Irvine, CA

A Well-Planned City

 

Irvine, California is an amazing city in so many ways. It is not only a great place to raise a family but the schools here are terrific.

This well-planned community has been honored with awards from near and far.

The roads here are wider, the education is held to a higher standard and the communities function in harmony.

I bet you didn’t know that Irvine has state of the art technology. One of these technological advances are the traffic monitors.

There are sensors all over Irvine which monitor the flow of traffic. Commuting here is easier!

This is just one example of why Irvine is ahead of its time.

Irvine is a newer town compared to most of Southern California.

Once orange graves and fields for miles, now this town has a thriving economy, sky scrapers and tons and tons of people.

One of the fastest growing communities of the 21st century, Irvine is a place to call home for all walks of life.

You may want to own a house in Irvine. Or maybe you want to start a family.

Either way you will want to get your hands on the cheap insurance Irvine residents need.

 

How Do I Find Insurance?

Knowing what kinds of insurance you may need is imperative for your families protection.

The first thing you should know is what you want protected and how much you are willing to spend.

If you own a home, that should be of great importance to you. Your car is another treasured asset as it gets you from point A to point B on a daily basis.

The best part about attaining insurance is the peace of mind you have once you get it.

You can have as little as the minimum amount of coverage needed in Irvine, to additions on that policy.

Southern California is an expensive place to live so why not save where you can and cut your insurance costs?

We can help and look forward to changing the way you think about insurance.

Let’s take a look at what kinds of insurance Californians need.

 

Insurance Requirements Irvine

 

 

Homeowners Insurance

 

If you own a home you will want to be protected. Living in a great city like Irvine doesn’t mean you are free from risk.

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

Most policies offer protection for property damage coverage and liability.

But you may want more. Depending on where you live, natural disasters can occur.

Long Beach is a very safe town, but there are still heavy wind and rain storms and yes even fires in that area of California.

Be prepared for anything and everything when it comes to protecting your home.

This is what most policies offer in the state of California:

  • 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
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.

 

But there is more. Learn about how insurance can benefit your life by giving us a call.

 Get a free quote today!

 

Home Quote

 

Renters Insurance

 

You need renters insurance to make sure you are insured even if you don’t own the home you live in.

Your house is more to you than just the dwelling that you rent. You keep all of your treasured items in that home.

Possibly you even raise a family in that home.

And while renting is not the same as owning, you still feel a strong responsibility to take care of what is yours.

If you have tenants that rent from you, encourage them to have renters insurance as well.

You need the cheap renters insurance Irvine tenants in Irvine should have.

In the United States, nearly 40% of all households rent instead of own.

Most people who rent are 35 years of age and under and that makes up millions of people in California.

 

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.
  • Renters insurance excludes bed bugs and big infestations of any kind.
  • Renters insurance could save you in a law suit. When something happens to someone in your home, they could sue. Renters insurance could protect you.

 

There are limitations so contact us today and find out what might work for you!

 

Renters Quote

 

Car Insurance

 

If you live in Southern California you need a car to get around.

You probably rely on your car for almost everything.

From going to work to going to the grocery store, Irvine residents need a car.

Make sure you and your family are protected when out on the road.

You have to have the cheap car insurance Irvine law requires.

  •  Know what can influence your rates. Understanding the factors that influence how much your car insurance will be can save time and money. Looking for a company that offers what you need is key, however you may not be able to control a few factors such as where you live. The zip code you live in can affect pricing. Insurance always comes down to statistics. How likely is it that you will be in an auto accident?

 

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

Other coverages you  may need:

  • Collision coverage will cover your own car in case of an accident
  • Comprehensive coverage will take care of theft and other types of accidents not incurred in an accident
  • Towing will cover or reimburse you for a tow and other roadside emergencies
  • Uninsured Motorist coverage will make sure that you are still covered for damages even if the other party lacks the proper coverage

 

Take the first step in attaining the best car insurance you and your family deserve.

Call us today and get your free quote within minutes!

 

Car Quote

 

 

Motorcycle Insurance

 

You love your bike. And why shouldn’t you? It gets you where you need to go on way less gas than a car.

Irvine is a great spot to have a bike. There are scenic routes to take on the weekends, and lots of parking for daytime commutes to work.

But riding a motorcycle can be risky. Parking it on a city street can also be risky.

You may want to consider more insurance than you have.

Or if you are thinking about purchasing a motorcycle, talk to us first about your options.

Motorcycle insurance basically covers everything that car insurance covers.

This means that the state laws are similar. But the risk is higher.

Most riders choose to attain full motorcycle insurance coverage on their policy.

You can bundle this with your car insurance or homeowners insurance to save money.

 

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 even buy towing and uninsured motorist coverage which will help when you are stranded or if someone uninsured hits you.

Collision coverage, just like a car, will make sure your own damages are paid for.

Comprehensive coverage might come in handy when you do want to park your bike on the city streets.

It covers theft and small damages such as dings from a shopping cart.

In some cases your gear can be insured as well.

Make sure you have the best cheap motorcycle insurance Irvine requires bikers to have.

It’s easy and inexpensive.

 

Cycle Quote

 

SR22 Insurance

You will need this insurance if you have had a DUI. Don’t hesitate. Get back out on the road!

A DUI can severely affect your life the life of those around you.

When you get your license revoked, you are in for a rough few years.

That is why there is help and a way to get past all of it.

Everyone makes mistakes, but when you have SR22 insurance, you are one step closer to your old life.

You will need to go to the DMV to fill out paper work.

SR22 coverage is something that is added to your existing auto insurance policy, and your insurance company can then file the form electronically with the Department of Motor Vehicles.

Your insurance company will be able to help you file paper work, but it is up to you to stay current on payments.

Never lapse in a payment when it comes to your SR22 insurance.

There are other ways to get your license taken away:

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.

 

 

Make sure you get insurance for your vehicle or motorcycle as well. This is part of your financial responsibility as a rider and driver.

Then get the cheap SR22 insurance Irvine law requires you to have.

Call us today and get all of the details you are looking for.

You could have a quote within minutes.

 

SR22 Quote

 

Health Insurance

 

Everyone deserves a healthy lifestyle. That includes having a doctor that you like and trust.

Being a healthy person doesn’t mean you don’t need health insurance.

In fact in the state of California, health insurance is mandatory.

It is based of of your income, so you can usually find policies that are fairly inexpensive.

Cheap insurance can help you find one that fits your need and your budget.

Make sure you call us and get the cheap health insurance Irvine residents want.

Insurance agencies take statistics about a person and decide how risky it will be to insure them.

Thankfully with the Affordable Care Act, there are no longer pre-existing conditions that limit very sick people in getting covered.

 

What is health care and how can insurance help 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.
  • Health plans are fitted around what you and your families needs are. Many doctors are only covered by certain plans. This is where you need a broker to help sift through coverages and estimates.
  • Deductible: A portion of a claim that is paid by the insured which is a set amount agreed upon during the purchase of the policy. Usually the higher the deductible, the lower the premium. This amount is paid either per occurrence or per calendar year depending on the coverage type.
  • There are also co-pays which you must pay at every doctors visits. But these are low, usually around $15 a visit.

 

The whole family can be insured without breaking the bank!

Get your free quote by clicking the health quote button below.

 

Health Quote

 

 

Life Insurance

 

Make sure your family is taken care of even after you are gone.

Having life insurance doesn’t mean you will be paying a fortune.

Having life insurance means your loved ones are protected.

Over your lifetime you have added up mortgages, debts and obligations which must be paid.

If you were to leave tomorrow, who would pay this?

How much would you have to owe.

This is why life insurance is such a valuable investment.

Life insurance helps the ones you love once you are gone.

It takes care of financial obligations which you couldn’t meet while alive.

Most people have a hard time talking about life insurance.

It’s always better to be prepared than to sit and wait to see what happens.

Most people have funeral arrangements that can cost thousands of dollars.

Make this burden easier on those you love by leaving money.

You can figure out how much you might want to leave by adding up your annual salary and multiplying this by ten.

If you make $50 thousand dollars a year, you will then need a $500 thousand dollar insurance policy.

Some people can attain this for as little as $50 a month.

Talk to a broker to day about how to make this happen.

Life insurance can be quite reasonable.

Getting the right kind of cheap life insurance Irvine residents deserve is easy.

 

Life Quote