Cheap Insurance Monterey

California’s “First” City


Monterey is a haven for anyone wanting fresh sea air and a relaxing vibe. Although tourism in this great town has boomed in recent decades, the people who live here like the calm atmosphere. You can find a peaceful plaza with a farmers market on a cloudy day. Or you can gather near the famous Monterey Bay Aquarium on a packed street in the sunshine. Every day is new and exhilarating. The town of Monterey is known for its musical theater groups and great schools. Many families stay in the area because it is far enough away from the hustle of the Bay Area, yet has a booming economy. Sea Lions may greet you at the pier while you eat freshly made ice cream. You can find many bike paths that run along the oceans edge that take you exploring down the coastline.

Monterey is home to military families as well as college students. For the most part, you will find an eclectic group of people living in this beautiful city by the ocean. Monterey Bay is its own calm inlet. Although the waves can get quite tumultuous, surfers don’t seem to mind. Whales and sharks migrate through the bay and many times during the spring and fall, one can see pods of dolphins and whales flipping their tales. Whale watching is a thriving industry in Monterey. Ocean life is a part of life when you choose to live in a city like this one.

If you plan on moving to the Monterey peninsula, or already live here, you need great insurance to truly enjoy yourself. Buying a home here is quite expensive, so make sure you get the best homeowners insurance you can. Driving around Monterey means sometimes dealing with traffic. Be prepared for the worst with a car insurance policy you can trust. When you rent a house or buy a car, you will want to protect it. Get ahold of an agent at Cheap Insurance and ask how you can have the kind of policy you deserve. Attain the cheap insurance Monterey residents needs to have today.


Insurance Requirements Monterey

Car Insurance

Driving is a pleasure and also a task. When you commute long hours, the last thing you want to be thinking about is what would happen if you got into an accident. With a strong car insurance policy, you won’t have to worry again. If you have your car paid off, you may only need the minimum amount of coverage. However, many people still choose to obtain full coverage. This way they can have collision, comprehensive and even towing covered every month. Having a loan out on your vehicle or leasing a car from a dealership means that you must have full coverage. But what does that mean in the state of California? Let’s find out.

There is a minimum amount of insurance that you must have in California:

  • Bodily Injury Liability Limits: $30,000 per occurrence/ $15,000 per person
  • Property Damage Liability Limits: $5,000 per occurrence

These cheap car insurance options will only protect the other party involved in a crash. Make sure you have the cheap car insurance in Monterey you really want.

full coverage in Monterey looks like this:

  • Collision coverage for when you are in an accident.
  • Comprehensive coverage will cover theft and other minor damages to your car.
  • 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.

Car Quote

Homeowners Insurance


Homeownership is a huge deal. You will want to be prepared for the worst. Although Monterey is a lovely place to live, there are still risks in owning a home. Not only are housing prices pretty expensive in this city by the bay, but property tax is as well. There is always the good and bad of owning a home. But when you obtain a great homeowners insurance policy, you can have a better experience than you might expect. There are a few ways that you can shed dollars off of your bill.

Where you live and how safe your home is kept can be key elements to saving you money.  Even if you own a home but rent it out, a homeowners policy is a must. This sort of insurance is not a law in California, however most banks and institutions that give out home loans require you to have homeowners insurance. Get the best price in town when you choose to obtain cheap insurance quotes in Monterey. You can start by finding out what is covered in a homeowners insurance policy.

These are some of the elements that can be covered:

  • 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.

Home Quote

Renters Insurance


Renting is another popular option in Monterey. Because housing prices are so high, many people prefer to rent. There are college kids who rent apartments in Monterey, vacationers who rent homes seasonally, and families who choose to stay out of debt by renting. The best option for young people is to rent and many times this means securing your own home. Just because you have a landlord, doesn’t mean they will pay for your own damages. Renters insurance is great to protect you from theft as well as liability. Renters insurance is also one of the cheapest types of insurance you can purchase. For as little as $20 a month you can be covered for the assets in your home and the security of your loved ones.

Facts About Renters Insurance

  • 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.
  • Many people do not know that the landlord is not responsible if there is a fire or damage to the home. If your personal belongings are destroyed, it is up to you to have insurance.
  • Make sure you have the best cheap insurance in Monterey by getting your renters insurance policy.

Renters Quote

Motorcycle Insurance

The California coast is always a great place to ride your bike. Monterey has hundreds of miles of scenic roads. Not to mention a motorcycle speedway for those speed demons out there. But if you want to hit the track or the winding curves of the coastline, you need a good insurance policy. When you want more protection for your hobby or way of commuting, it is always good to have the full picture. Talking with an agent can give you answers. Make sure you ask them about a good rider discount and how your gear can also be covered. You can never be too safe when you are on the back of a bike. Most riders choose to carry the maximum amount of insurance. There are state laws similar to that of car insurance. Know what your rights are as well as how to keep others safe out on the road. One accident could be fatal. So make sure you wear a helmet and protect your motorcycle with the best insurance in the West.

Ask about these ways to save money:

  • Discounts for safety courses- there are many safety and training courses available and usually take up one whole day to complete.
  • For more than one motorcycle- if you have multiple motorcycles or vehicles, you could bundle and save!
  • Discounts for additional products purchased
  • For being a safe driver- years of having a good driving record will save you when searching for the right insurance. In many states the required liability limits for Motorcycle Insurance match the requirements for Auto Insurance: $15,000 per person / $30,000 per occurrence for Bodily Injury liability and $5000 for Property Damage Liability

Cycle Quote

SR22 Insurance

SR22 insurance can seem very complicated to those unfamiliar. But if you have had a DUI or a revoked license, you need to obtain SR22 insurance. Keeping this insurance for a minimum of three years and never failing on a payment will help you to get your license back. If you have made a mistake like getting pulled over for drunk driving, don’t let it destroy your life. There is a way out of this pickle. You will need to talk with a knowledgeable insurance agent and ask the right questions. First, know what SR22 insurance is and why you need it. This type of insurance you will need to have alongside your car insurance. It is not a replacement for your car insurance.

How You Can Get SR22 Insurance Today:

  • You can either call us and talk to a helpful representative or try our online free quote page.
  • We have a step-by-step process to help you attain your SR22 filing.
  • You can look at our resources page for information on how to file and how to save on your filing.
  • We can assess your risk by having your driving re-assessed.
  • We can help you find the kind of insurance policy you will need to drive while obtaining your SR22 filing.
  • In most cases we can find you the best deal on your insurance policy even if you need to be fully insured.
  • We can make contacts within the insurance world to get you the best deal on your auto insurance.
  • Our staff is dedicated to making sure your needs are met, and even after your insurance is obtained, we are here for you.

SR22 Quote

Health Insurance

Staying healthy means making hard choices. You must eat the right foods and be smart about your body. If you are young, you will need regular check ups. When you get older, you will need to monitor your health even closer. You can’t go without seeing a doctor. This means you need a great health insurance plan you can trust with a doctor you feel comfortable with. Now you can have both and not break the bank. Californian’s all need to be covered with a health care plan. You can choose the plan that is right for you. Many times, the cost for your policy depends on how much money you make. This is great for those that are struggling to get by. Everyone needs a strong health care plan.

What Is Health Insurance Exactly?

  • 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 Quote

Life Insurance

Your life is important to you and so are the lives of the ones you love. So why not be ready for the day when you pass on. If you have people who depend on you financially, you need life insurance. It can be there for them when they are at their lowest. A life insurance policy can help pay for funeral expenses, debts and mortgages you leave behind as well as college tuition for grandkids. You decide who your beneficiary will be and give them the right to disperse your money. This may not be an easy thing to talk about. But it is never too early to start planning for the inevitable. Give your family the gift of financial freedom by talking with an insurance agent. There are multiple types of life insurance plans. Make sure you do some homework before signing on the dotted line.

Getting The Policy You Want

Your insurance needs will change over time, just like you will. Experts suggest you review your policy every six months to make sure you have all the coverage you need. You work hard for what you have, and to provide for those who are depending on you. Knowing you have a plan for them if you are not around can help you feel more secure, and more able to enjoy life. Life insurance has a broad range of policies. You can have a very expensive policy or a very cheap life insurance policy. An average term life policy for a 35 year old in good health is around $500 a year for a million dollar benefit.

Life Quote