Cheap Insurance San Francisco, CA

The City By The Bay

 

San Francisco is the city by the bay.  It is the iconic image of The Golden Gate Bridge and small islands beckoning to be seen. People come here from all over the world. Tourism is a large economic force. Head down any street on any given day of the week and you will see progression. Markets, small business owners, homeless and tourists will crowd the streets. San Francisco prides itself on being a safe haven city, which protects all of their residents no matter what ethnicity or gender. There is a history of this city which resonates from person to person. From the great fire in the early 1900’s to the industrial era, San Francisco has always been a beacon.

What it has to offer…

 

Progressive and forward moving, this city gives its residents so much. Culture, education and art are everywhere. The city itself is not very large, and parking can be hazardous. But there is a certain charm about San Francisco which is hard to rub off. When living and commuting here, you must be prepared for anything. Having the right kind of insurance is necessary to ensure that your home, car, and lifestyle are protected. You need the best cheap insurance San Francisco requires you to have. There are many types of insurance one might need from car, motorcycle and even renters insurance. Renting is quite expensive in San Francisco and many people want to make sure their belongings and home are protected. The best part about insurance, is that you can choose what you need and a broker and help you find it at the best price.

Let’s take a look at what you might want:

 

  • Residents of the Golden State are encouraged to explore all the options for cheap insurance
    California has on hand, especially considering the state’s high cost of living.
  • California follows a “tort system” for automobile accidents, meaning the state must name a participant as being at-fault. The at-fault party is then required to pay all damages resulting from the accident.
  • Bodily Injury coverage requirements are a minimum of $15,000 per person and $30,000 per accident.
  • Property damage liability minimum requirements are $5,000.
  • Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers
  • When you have a loan or a lease out on a vehicle, most often full coverage is required with the banks that hold the loan.
  • If you intend to drive a vehicle for any reason, it must be insured and registered in the state of California.

San Francisco is an amazing city to reside in.

Make sure your assets and belongings are properly insured so that you can live your life to its fullest!

Insurance requirements San Francisco

Homeowners Insurance

 

Buying a home is a big purchase. You may have waited a very long time to experience home ownership. And you have every right to want what is best for your home and your family. Homeowners Insurance is a requirement on most home that have a loan.

It is not a state law but the majority of homeowners buy it. It is the best way to live risk-free and we would like to help you find the right kind for you and your family. Your home is your largest personal investment and it needs protection. But finding the correct balance of coverage and cost is a difficult process.

 

The best types of protection you could offer is through insurance.

You will want the best coverage. Getting the right kind of cheap homeowners insurance San Francisco wants you to have is easy. This is what most policies cover:

 

    • 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

If you own a home and think that homeowners insurance is right for you, then call a broker today and see what they can do for you. You may want to bundle your homeowners insurance with car insurance or other types of insurances to save money. Paying annually can also help you cut down on your bills.

Home Quote

 

Renters Insurance

 

Renters insurance is just as important as homeowners insurance. Even if you don’t own a home, you still live there and  the place where you live has value. Have you ever tried to add up how much all of your assets may cost? Television, couches and jewelry are no small sum. You could have these items covered with renters insurance.  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!

This may also be a good idea if you rent or have tenants who rent from you.

Your tenants should be covered so that there is no reason for a law suit.

Follow the most conservative guidelines when renting.

Encourage your renters to have renters insurance.

Having the cheap renters insurance San Francisco requires does not have to break the bank.

Get your free quote today!

Renters Quote

 

Car Insurance

 

Having the best cheap car insurance San Francisco requires will benefit you immensely. There is not only heavy traffic, but parking can be tight. In many cases, people choose to forego the car and just use public transportation. But if you are someone who lives outside of the city, and drives in for work, you know how important car insurance can be.

San Francisco is a busy place and accidents are prevalent.

Be prepared. You should know how much car insurance the state of California requires. You will most likely want full coverage, but the law is the law,

Here are the minimum requirements in the state of California:

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

More insurance is always a good idea. There are also a large amount of discounts you could qualify for.

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts
  • Education discounts

Call today to get your free quote and put the worry behind you.

Car Quote

 

Motorcycle Insurance

 

Having your car insured is important. The same is true for motorcycle insurance. San Francisco is one of the motorcycle and scooter capitals of the world! You can experience so much of this city on the back of a bike. So why not insure that bike to your best ability. When you don’t have the option to park in a garage, street parking can be dangerous. Cover your bike and your gear.

Accidents happen everyday, but when you are on the back of a bike, your risk is a bit larger. Know your rights and be fully covered. The minimum motorcycle insurance in the state of California is the same as a car. And the add-ons are similar as well.

Getting your hands on the cheap motorcycle insurance San Francisco requires is as simple as car insurance.

You may want collision and comprehensive coverage too.

Cheap Insurance can help you.

Cycle Quote

 

SR22 Insurance

 

SR22 insurance is more of a documentation.

This 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. You will need to have this type of insurance if you have had a DUI.

Cheap insurance can help you through this process.

Getting the very best SR22 insurance San Francisco wants you to have is easy.

Here are the steps you need to take first:

  • Notify the DMV that you will need SR22 insurance.
  • Plan on having this insurance for three years minimum.
  • Buy minimum car or motorcycle insurance.  Be protected while driving.
  • There are small fees from the DMV, but it is well worth it to have the freedom of driving once again

 

Don’t be left wondering what to do after a DUI. Get involved and contact a broker now. They can set you up with great insurance and take care of the paperwork. You will need this type of help for at least three years. Make sure you are in good hands by getting your free quote today. Save now and save later!

SR22 Quote

Health Insurance

 

Maybe you have a family to care for. Perhaps you are the sole provider or you have a family history of illness.

You need to stay healthy. Cheap Insurance can help you do this. With the current insurance policies available, you could be covered for a great price

  • 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.
  • To qualify for government healthcare, one must meet a financial criteria.
  • Dental coverage is not as widely used as healthcare coverage, but it is still part of the healthcare we need throughout the United States. Find a local Dental School to take care of your smile. They are usually less expensive.
  • Emergency room visits are the most expensive. Try to avoid them. If you can wait to get in with your regular doctor, this is the best solution for saving you money.
  • Take advantage of your free preventative screenings. You have a lot of options in the United States. Cheap Insurance can help you find the best one. Know your rights and what plans are available by calling today!

Having the very best cheap health insurance San Francisco wants you to have is a necessity.

We can find you the best deal, while keeping the quality.

There is no better feeling than knowing your doctors have your back.

And so does your insurance company.

Health Quote

Life Insurance

Protect your family even after you are gone.

Life insurance is one of the biggest gifts you can leave behind.

You will need life insurance if:

  • If you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
  • If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
  • Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe.
  • If you are a child of a dependent parent that you solely care for, you will need life insurance.
  • If you are the sibling to a dependent adult who you care for or pay for, you will need life insurance.
  • Life insurance doesn’t just mean covering costs after death. It means helping those who are mourning a loved one.

But how does it work?

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 person you leave the money to is called your beneficiary. This may be a spouse, a sibling, a child. This person will be the sole controller of your money when you die. They are responsible for paying off your debts, college fund obligations or mortgages. It is a big responsibility. Choose this person wisely.

This works like any other insurance, expect for there is only one pay out.

Now, there are other types of life insurance policies, where you can cash out at a certain age. But you can usually only take out a percentage, and it will cost you.

Make sure you are covered with the best cheap life insurance San Francisco residents can have. It’s a good idea! You can talk to a representative and get a quote now. It is never too late to plan for the future.

Life Quote