Cheap Insurance San Bernardino, CA


An Inland Empire Experience


San Bernardino, California is a gem of the Inland Empire. This sunny and prosperous city is home to many families, great schools, and well thought out communities. Did you know that San Bernardino has an average of 340 sunny days per year? It does! This amount of sun is much higher than the national average. This is why so many people come to play and live in this town.  San Bernardino is geographically one of the largest counties in the United States.

This great city has only recently begun to grow. Housing developments are everywhere and for the homeowner, getting  a great deal is easy. So many safety features are already set in place when purchasing a new home. The solar industry is also thriving down here. Most new housing construction projects choose to put solar panels on their homes before they sell. This not only adds to the value of the home, but makes the owners power bill practically nothing.

What kind of insurance is in San Bernardino?

When you live here you know you have access to great opportunities.

You also need good insurance. There are a lot of great insurance opportunities for those who live in San Bernardino. Insurance statistics are based on your zip code and credit rating. There are many other factors that are involved in the insurance companies prices. Are you a good driver? Do you have smoke alarms in your home? Have a smaller engine on your motorcycle? These are all contributing factors when purchasing insurance.

You may be looking to buy a home or settle down with a family. Maybe you are looking to upgrade your car and want to know your options

First you should take a look at what kinds of insurance you may need.

Getting the best cheap insurance San Bernardino can offer is smart.


Insurance Requirements San Bernardino

Homeowners Insurance


There is a lot to be said about owning a home. You may have worked for years to get to this point. The one thing you don;t want to give up is the right to protect what is yours. Whether you plan to have a family or to travel the world, the house you choose to purchase will become a home. That is an important part of life. What will you need to fully cover it?

A house may be expensive, but it is yours.

Your homeowners insurance does not have to be expensive.

  • 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.
  • If you have a home-based business, your homeowners insurance could be a tax write off.

What is covered under a normal homeowners insurance policy?

  • 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

Get your hands on the cheap homeowners insurance San Bernardino requires. And feel like you and your family are free of risk.

You could be covered with liability, loss of use, property damage and much much more.

Call us today to find out what you need.

Our brokers work for you and not the insurance agency.

Home Quote


Renters Insurance


Just because you rent a house doesn’t mean it isn’t your home. San Bernardino is a city full of homeowners, but it also has great apartment complexes. You might be a student, who is out on your own for the first time. Maybe you choose to rent because you don’t like the risk in owning a home. whatever the reason, your belongings still need coverage.

  • Renters Insurance from Cheap Insurance covers your valuables anywhere in the world! Those are just your high value items. What about everything else? Your silverware, dishes, clothing, towels, couches, tables.  Most people don’t think about the accumulated value of their every-day items, but if they were lost or damaged in a fire, they quickly add up to huge losses. California has almost 600 thousand personal property thefts each year! 

You need renters insurance to make sure you are protected.

  • Renters insurance is a great idea because the liability you have renting someone else’s house is huge. When people visit or animals come over, there are always things that can go wrong. Houses with a swimming pool should really consider liability coverage with your renters insurance.
  • Renters insurance could be a tax-deduction is you use your property for all or some of your business. If you have an at-home office, this could be a tax-deduction.

If you have tenants that rent from you, they should have it as well.

You need the cheap renters insurance San Bernardino tenants usually have.

Contact us today and find out what you might need.

You will be glad you did.

Renters Quote


Car Insurance

If you live in the San Bernardino area, you need a car. You might commute. Many residents even commute into the Los Angeles area for work. Maybe you are a mom who totes around three busy kids. Whatever your story is, the right car insurance could not only save you money, but lives!Let our staff help you find all of the discounts you may be eligible for. Cheap Insurance is a brokerage that has access to dozens of insurance companies. We can find you the best rate for your current situation, no matter what that may be.

If you have a car, by state law, you need insurance.

Attain the cheap car insurance San Bernardino wants you to have.

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

There are many other options. Collision and comprehensive coverage you will need if you have a loan out on a vehicle.

You may want to ask about these options when talking to a broker:

  • 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


Motorcycle Insurance


There is no better feeling in the world than sitting on the back of a motorcycle. Whether it is a twisting back road or a long desert stretch of highway, San Bernardino has great riding opportunities . You will want to be covered with the necessary insurance before you start your sight seeing.

Be sure you are covered. Be insured for everything a car is covered for and much more. In the state of California the minimum requirements for a car and motorcycle are the same. But the risk is different. That is something to think about. What you might cover for a car, you may need more of for a bike.

Here is what motorcycle insurance can cover for you:

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

You may even be able to insure your gear!

Get the best cheap motorcycle insurance San Bernardino requires.

Call today and ride with freedom tomorrow!

Cycle Quote


SR22 Insurance

SR22 insurance is to help you get back on the road and to drive or ride safely.

There area  few things you need to know when attaining your Sr22 insurance.

First of all, your insurance company will be the one to file your documentation for you. Let them know that you have recieved a DUI and that you will need SR22 insurance. SR22 Insurance is not actually insurance at all but a financial responsibility document.

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

Here is how to get started:

  • Let the DMV know you are obtaining SR22 insurance. 
  • Be ready to have SR22 insurance for at least three years.
  • Do not let your insurance lapse during this three year period. You will have to start the whole process over again.
  • Make sure that you keep your documentation with you when you drive from here on out. You need to have not only your cars registration in your car but also your insurance documents. This includes your SR22 documentation.
  • 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. It is the insurance companies responsibility to file this document for you. You must still inform your insurance agency that you are in need of SR22, and make sure you attain it for 3 years.

Call us today for your free quote and to talk to a helpful representative.

SR22 Quote


Health Insurance

We all know the importance of staying healthy.

But there is also an importance in having the right doctor.

It isn’t hard to realize why health insurance is needed.

You and your family deserve the best doctors at the lowest price.

San Bernardino offers great hospitals and a large array of insurance programs are allowed at each.

Making the decision to have the cheap health insurance San Bernardino wants you to have, is smart.

With the recent changes from the Affordable Care Act signed into law in 2010, health insurance is no longer just an option, but a federal requirement.
The consequences for not having a health insurance plan in effect can even impact your tax returns.

Here is what health insurance plans might include:

  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company. This gives the patient the freedom to choose their own doctor and plan. For this type of plan, there is a premium paid and usually a yearly deductible.
  • Through managed care policies, the insurance company must approve certain aspects of care for the patient.
  • The portion of the U.S. economy spent on healthcare is almost 20%.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.

Don’t waste time and money.

Take care of yourself today!

Call and talk to a broker from Cheap Insurance.

We will match you with an insurance company that meets all of your needs.

Health Quote


Life Insurance


Your life and the life of your family are important to you.

The most important part about being financial responsible is giving to others the security when you are gone.

Your life insurance can be used for many things like paying off your debts, paying for someones college, or even paying off your mortgage.

You can choose to leave your life insurance to a loved one.

The person you choose is called a beneficiary.

Don’t wait until it’s too late. You will be happy that you chose to plan for not only your future but your families.

If you are the main caregiver for your family, it is your responsibility to give the peace of mind when you are gone.

Life insurance is about planning ahead.

  • 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.
  • Term life insurance is a product that is “temporary”.
  • It comes in forms of 5 year term, 10 year term and all the way up to 30 and sometimes 40 year terms.
  • Permanent life insurance is a life insurance product that can provide life insurance protection for your entire life.
  • It can provide financial security to those you care about, cover medical bills, funeral costs, mortgage, on other living expenses.

Make sure you have the cheap life insurance San Bernardino residents should have!

If you wait, it may be too late!

We can make it affordable and easy!

Life Quote