Cheap Insurance Modesto, CA

A Modest City Headed For Great Things


Modesto, California is located in the central valley of California. Modesto is a modest town with great people and a vibrant vibe.

It’s awaiting your arrival to visit, play, or stay and raise a family.

It is also home to the largest winery in the world. You might not think this about a central California city.

But because of the warm summers and wet winters, Modesto makes for a great wine making city.

They also make their own wine bottles. It may not be Napa or Italy, but the weather here is perfect for making a nice bottle of wine.

And that is why this particular winery, the Gallo Winery, call Modesto home.

You can also camp, hike, horseback ride and enjoy a plethora of other outdoor activities here.

Homes and real estate are still quite affordable when you are thinking about moving to the central valley.

Having a home is an important part of settling into an area.

If you call Modesto home, you might want to think about getting insurance.

Wheter you ride your bike down the open roads, or are in the market for a new house, insurance is important.

Let Cheap insurance help you! Get the best cheap insurance Modesto requires you to have and live in peace.

How Do I Attain Insurance In Modesto?


The best way to go about getting the very best insurance that Modesto residents need is to talk to a broker.

You may have questions and insurance can get complicated.

Having someone who specialized in insurance can be helpful.

You can get your car insurance and your home insurance with the same insurance company.

This is called bundling and can save you money.

Insurance companies reward loyalty, so bundling two or three or even four types of insurances with them can really benefit you financially.

The best part about talking to a broker is that you can be sure that there is something in your corner working for you, the consumer.

At Cheap Insurance, we work for you and not for the insurance companies.

Get the cheap insurance Modesto residents deserve.

Let’s see what types of insurance you may need.


Insurance Requirements Modesto

Homeowners Insurance


Owning a home is a great thing for your and your family. It gives you stability and equity in the place that you love.

You probably have been waiting a long time to own a home!

Maybe you have saved for years, and are very proud of owning your very first home.

Perhaps you have five rentals. Either way, you want to make sure that each and every home you own is insured for the things you need.

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

  • 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.


This is what most policies offer:

    • Property Damage
    • Loss of Use
    • Liability
    • Limited coverage for stolen items
    • Additional coverage for valuables
    • 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.

Don’t wait until it’s too late to have your home insured.

Call us today and talk to a helpful broker or click the link button below and have a free quote within minutes!


Home Quote


Renters Insurance


Renting is an option some people prefer for financial reasons.

Maybe homeownership is too much of a responsibility for you and renting just makes more sense.

You may not own the house you live in, but you should still be protected.

It is your home and the place you make memories. Don’t sell yourself short. Be protected!

Attain the very best cheap renters insurance Modesto requires.

Be smart and feel secure.

You will be able to cover all the essentials without breaking the bank.

There are a few options with your renters insurance but remember that there are liabilities that your landlord is responsible for.


Here is what renters insurance is all about:


  • 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.
  • 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.
  • Add up all of your valuables and see just how much you and your assets are worth. You wouldn’t want that big screen TV to go missing, but it is stolen, having insurance would be very helpful.


Call today to get your free quote today and have all of your questions answered!


Renters Quote


Car Insurance


You probably spend a lot of time in your car. Commuting or working from the bed of your truck day in and day out.

You should feel safe in it, no matter how far your drive or how much you use your vehicle!

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

The best part about having your car fully protected with the right car insurance is that you won’t have to worry about accidents and breaking down on the side of the road.

Make sure you have the cheap car insurance Modesto law 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


What else can I get covered?

  • Collision coverage will cover you and your own car in an accident.
  • Comprehensive coverage will cover theft and small damages.
  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.


Make sure you ask your broker about what discounts you could qualify for.

There are dozens of discounts and you probably qualify for at least one of them.


Car Quote


Motorcycle Insurance


Motorcycles are fun, fast and save a ton of money on gas.  You commute could be easier and faster with a bike.

But you are always more at risk when riding a bike compared to driving a car.

The best part about owning a bike is that freeing feeling when you are hugging some tight turn or blasting down the long stretches of Modesto highway.

You should get the cheap motorcycle insurance Modesto requires, and ride with freedom.

You can be covered for liability, bodily injury, theft, towing, uninsured motorist, collision, comprehensive, and even for your gear.


Here are some of the facts about motorcycle insurance that you should know about:

  • 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.

Most of the time, the minimum coverage only covers the other party involved.

  • 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.
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle


Make sure that you know what kinds of bikes are insurable.

There are some types of custom bikes that are not covered under policy.

Call now and get the answers you need.

Let us help you today!


Cycle Quote


SR22 Insurance


If you want to ride or drive a car after having a DUI, you need SR22.

It will get you back out on the road while following the laws that California sets in place.

We all make mistakes. You don’t have to live with them forever. So let us help you remedy them.

You must have the cheap SR22 insurance Modesto requires if you want your life back.

The best thing to do if you have had a DUI is first to contact a broker that you can trust and that will work for you.

Here is how to get started:

  • Let the DMV know you are obtaining SR22 insurance. They will have paperwork for you.
  • Buy at least the minimum car or motorcycle insurance needed. We can help you with this.
  • Be ready to have SR22 insurance for at least three years.
  • Do not let your insurance or SR22 documents lapse or you will have to start the whole process over again.


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 documentation is for drivers who have had their licenses
    revoked or suspended for:
  • DUIs.
  • Excessive violations within a certain time frame.
  • Driving without insurance.
  • Outstanding traffic or parking fines.
  • At-fault accidents while uninsured.
  • Reckless driving.


SR22 Quote


Health Insurance


Most people don’t realize how important it is to have the correct health insurance.

You must be able to afford it, and when you work with us you can.

You and your family should have the right to like and trust your doctor.

In the state of California, it is the law for you and your family to have health insurance.

Rates are determined by the amount of money you make. The more you make, the more that health insurance will cost you.


What is Health Insurance and how does it work?

  • 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.
  • 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


Get the best cheap health insurance Modesto residents deserve.

You will be glad you called us and set it up!


Health Quote


Life Insurance


You have worked hard for all that you have and you want to make sure that it is secure even after you are gone.

You will want it to be secured and have your family covered for the future. 

Make sure that your family is taken care of financially with life insurance.

It doesn’t mean you will be paying a fortune to have funeral expenses paid for or debts paid off.

Life insurance can be quite reasonable and we are here to show you how.

Getting the right kind of cheap life insurance Modesto residents should have is easy.

What Do I Need To Do?


First, have an idea of your annual salary and what your debts and obligations are.

Let’s say you make 50 thousand dollars a year.

You are still paying off your mortgage and your want to cover your grandchildren’s college.

You will want to multiply your yearly salary by ten and then add on the college expenses to the end.

Most people choose to have between a 500 thousand and 1 million dollar life insurance policy.

The best part about life insurance is that there are more than one type of option.

You can have a term policy for twenty years, or think of your life insurance as more of an investment.

Talking to a financial advisor is a great idea as well.


Get your free quote by clicking on the link below.

We can help you save on life insurance and help protect the ones you love most!


Life Quote