Cheap Insurance Oakland, CA

 

A Great Port City

 

Oakland is an unexpected place to find beauty and adventure. It is a port city with ocean views and hillside communities. It is a place where people worship their sports teams and thrive on the cultural diversity. Oakland is a microcosm of the Bay Area itself. An industrial town with ships coming and going, there is quite a lot to see and do. The market stays string because of the close proximity to San Francisco. People who live in this Bay Area city love the culture and the climate. Foggy in the morning and sunny in the afternoons, people love growing gardens here and taking advantage of the beautiful weather. It is a perfect city for those who life both the beach and mountains. Many houses are built on hill tops with wonderful views!

 

When to buy insurance in Oakland

Buying a home is an important step in life. Oakland isn’t the cheapest place to do this, so when you do, you will want the right kind of insurance. Commuting to work is a way of life for people who live in Oakland. The traffic can get hellish. Plan on leaving everywhere early. And get the best protection that insurance can buy. When you are planning for the future, you may need to think about how Oakland can contribute or hinder your insurance plan. When purchasing any type of insurance in Oakland, they all have one thing in common. You need the best cheap insurance Oakland requires! This large city is full of unknowns, so be sure about one thing: your insurance plan.

 

Cheap insurance has great plans and an expert eye when it comes to securing you and your family.

Call a broker today to get your free quote.

You might be wondering what types of insurance are available in Oakland.

Let’s take a look at some options.

 

Insurance Requirements Oakland

 

Homeowners insurance

 

Buying a home in the Bay Area is no small feat. You want to make sure your home and assets are covered. You may not think you need insurance for your home, but you do! If someone is injured while in your home, they could choose to sue you. Liability could cover damages not only to your own property but to someone who has been injured there. Have you ever though about how much all of your assets added together would be worth? Your television, jewelry, clothes? Well, all of these things could be covered with insurance. You live in your home and therefore most of your belongings reside there. Have them insured so you won’t have to pay out of pocket.

Getting the best cheap homeowners insurance Oakland requires is simple. Just call a broker today and get a quote in minutes.

Here is what most policies cover:

  • Property Damage
  • Liability
  • Loss of Use
  • Limited coverage for stolen items
  • Additional coverage for valuables in the home
  • You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.

 

Call us today to find out all of your options.

Insurance companies will give you discounts if you put in a security system or update your locks.

Ask about what other discounts you could be getting today!
Home Quote

 

Renters Insurance

 

If you have ever rented a house, you know that it is still very much a home. You are attached. Your family heirlooms and loved furniture are there. They need to be insured. As a renter, you are still responsible for liability of anyone visiting your home. Renters insurance can be bought for as little as $10 a month. Call a representative today and find out what you might need to feel safe

  • 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 does not cover the following:

  • business property
  • aircraft or watercraft vehicles on the property
  • expected bodily injury
  • Your landlord might be insured, but did you know that their policy only covers their property and their liability? Most renters are not covered for theft, damage, or liability.
  • The average price of Renters insurance in the state of California annually is $207.  That comes out to a little over $17 a month. That is very affordable! Especially for all of the things that renters insurance protects.

Having the cheap renters insurance Oakland requires is essential for your protection.

Call us today to get a free quote!

Renters Quote

 

Car Insurance

 

Your car gets you where you need to go.  It is indeed your life line to the world.

Whether you commute or just drive casually to the store or to drop off your kids at school, you will want to feel safe.

There are millions of drivers in California. The more congested an area, usually the more potential for an accident.

Oakland is one of those towns. Commuters are frequent as well as tourists.

Keep this in mind when you are searching for your cheap car insurance. 

Getting your hands on the best cheap car insurance Oakland residents need is a good start.

Here are the minimum insurance requirements:

  • Bodily Injury Liability Limits: $15,000 per person and $30,000 per occurrence
  • Property Damage Liability Limits: $5,000 per occurrence
  • You may also need collision and comprehensive coverage if you have a loan out on your vehicle.
  • 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.

Find out what you need today and drive with freedom!

You will want the very best for yourself and your family.

Our trained brokers know the insurance industry and can find you the best deals.

Car Quote

 

Motorcycle Insurance

 

Riding your bike is a freeing feeling.

You may have owned motorcycles your whole life, or maybe you just acquired your first one. Either way, your insurance needs to be correct and the best suited for you.

There are many options for doing this and for saving money.

Living in Oakland means you will probably hit traffic. A bike is a great way to miss most of that traffic. Your commute probably goes a little smoother than if you drove a car.  This means every time you are on your bike, you are at risk.

Have the cheap motorcycle insurance Oakland residents deserve.

Every time you are around those thousands of other drivers, you are the one with the sign on your back. Feel more protected by having the correct motorcycle insurance.

 

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

There are many other options available, just ask your representative.

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

You may be wanting more than just the minimum.

Collision and Comprehensive coverage are other options which protect you and your own bike..

Minimize  the risk and add on to your existing policy. You may be able to get your gear covered, have roadside assistance and get quality discounts.

Get the best cheap motorcycle insurance Oakland requires you to have.

Most motorcycle insurance covers what car insurance covers.

You may want a couple extra features such as towing or uninsured motorist coverage. Not a problem! Call today.

Cycle Quote

 

SR22 Insurance

 

If you have had a DUI or a suspended license in the state of California, then you need SR22 insurance.

You want to get back out on the road and continue on with your life. And we are here to help you!
You need the very best cheap SR22 insurance Oakland requires.

An SR22 filing is issued by your insurance company to serve as a guarantee to the Department of Motor Vehicles that you have secured the minimum liability coverage required by state law.

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.

Here is what you need to do to get started:

  • Notify the DMV that you are getting SR22 insurance. You will have some paperwork to fill out.
  • Buy at least the minimum insurance for your car or motorcycle
  • Be prepared to carry this special insurance for a minimum of three years.
  • What ever you do, do not lapse on your insurance payments. This will start the process over again and you will have to wait an additional three years.
  • Try everything you can to receive discounts on your insurance such as taking a drivers safety course. You will be a “high-risk” driver when you get a  DUI or revoked license.

If you have other questions about it then just give us a call. Our main objective is to help you through this time and make sure all of your paper work is filed correctly.

We have your back! Get your free quote today!

SR22 Quote

 

Health Insurance

 

We all need to try harder to be healthy.

Living in California is such a luxury and we should enjoy it.

You don’t have to spend a fortune on good health coverage.

  • Get the cheap health insurance Oakland residents should have.The type of coverage you can choose from is a wide variety. HMO, PPO, EPO, Point-of service plans, high-deductible health plans HDHP, and health savings accounts, are all possibilities that may work for you. Other items to review include policy limits, co-pays, deductibles, in network and out of  network coverage, and pre-existing conditions.

What can I expect?

  • 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. The best thing that you can do is to educate yourself on the healthcare system in California and what you specifically are looking for. Oakland residents are lucky because California has a very streamlined system when it comes to buying healthcare. We have great providers. Cheap health insurance Oakland can match you with the right plan and save you money,

We can help! Cheap Insurance has been helping people buy health insurance for almost 40 years.

Get your free quote today and see a great doctor tomorrow!

Health Quote

 

Life Insurance

 

Be prepared for the worst with quality life insurance. Protect your family for any event.

Make sure you have the cheap life insurance Oakland families should have

  • Life insurance is a contract. You sign up for a certain amount of life insurance.The Insurance company takes in your premiums monthly. When you pass,  the company pays out what is called a “death benefit” to whoever you leave the money to. The different between the premium that the insurance company has taken in over the years, and the death benefit, are their profits.
  • Life insurance is a great gift to leave your friends and family. It will ensure that they can cover any of your debts and obligations. Most of the time, people choose to have a policy worth ten times their annual salary. Another way of calculating how much you may want to leave is to add up all of your debts and expenses. Then multiply that by ten. These are just rough estimates. You will want to talk to a broker for more information on what kind of policy may work best for you.

Who is involved in my life insurance policy?

  • Insurer: the insurance company which is responsible for paying out claims.
  • Owner: is the person paying the premiums every month to the insurance company.
  • Insured: is the person for whom the payments are being made and whose life the policy is based on.
  • Beneficiary: is the person who will receive the money once the Insured is deceased.

 

You deserve it and so do your loved ones. Make the life you live now feel protected knowing that when you leave, you will not be a burden to those around you. Some life insurance policies even allow for you to draw on your life insurance plan after a certain amount of time. Some think of life insurance as another investment. Ins’t it time you started investing in yourself?

We can help you with this process, so call us today!

Life Quote