Cheap Insurance San Jose, CA

A Bay Area Gem

 

San Jose is a bustling city located in the Bay Area of California. Nothing quote compares to the located of this city. Inland from the ocean just enough to get warm summer days and hilltop views. San Jose is part of the Silicon Valley which is rich with technology, information and intellectuals. More than a town of tech, it is a place that people come to raise families. This town has great schools, rated high on the states average testing scores. It is close to the Silicon Valley which boosts a strong economy, so that is one factor in why the schools are so ideal. But more than that, the community is very involved.

 

Why do people live here?

 

Most residents would say that they moved here to experience a little bit of the best of everything. Did I mention it also has a great University? San Jose University is among the best not only for academia but sports as well. San Jose is in close proximity to San Francisco if you want a great night out on the town. Or stay close by and experience San Jose’s nightlife, art, museums and much more! The fact of the matter is, San Jose is an old town with great history. One of California’s State Missions is located here.

While living in this wonderful place, you will need insurance. To protect your home, your car and even your family with the proper life insurance. If you own a home in San Jose, you probably worked very hard to achieve that goal. Take care of what is yours Getting the best cheap insurance San Jose has is a great idea.

Here are the types of insurance you may need to feel fully satisfied.

 

Insurance Requirements San Jose

 

 Homeowners Insurance

 

Purchasing a home is a big deal. Getting your hands on the best cheap homeowners insurance San Jose requires is simple. Here is what most policies cover.

    • Damage to your home
    • Damage to personal property
    • Loss of use
    • Liability coverage in case there is an accident in your home
    • Limited coverage for stolen items
    • Additional coverage for valuable items
    • homes insurance covers four basic types of insurance: structure, personal belongings, liability, and additional living expenses.
    • The location of your home, the construction type, roof slope and many other features contribute to how much your homeowners insurance will be.
    • You can save money on your premium by raising your deductible.
    • You can bundle your insurance to save! Putting homeowners and auto together, for example, could save.
    • You may also want to pay for your insurance annually to save on costs.

Here are some great ways that you can save on your homeowners insurance:

  • Monitored home alarm system- having an alarm system could deter burglaries and looks great to insurance companies.
  • Doors with security locks- having a deadbolt lock is a great way to save you money.
  • Smoke detectors- this could save lives.
  • Sprinkler system- these are more expensive to install, however this could save you money and pay off if something in your home catches fire.
  • Gated community- Living in a gated community usually means a safer environment in general.

Make sure that your home is safe and that you are doing everything in your power to keep it that way. This looks great on paper and insurance companies could cut your bill down significantly.  Know that you will need to up your liability coverage if you have a pool. Pools are considered dangerous and a liability for guests, children and dogs.

Get your free homeowners insurance quote today by calling or clicking on the quote button below!

Home Quote

 

Renters Insurance

 

This kind of insurance is very valuable if you are a renter.

If you have tenants, you may want to consider making them purchase renters insurance.

Having the best cheap renters insurance is key to a successful and safe home, even if you don’t own it. YOu and your family still deserve to have protection. The main objective with renters insurance is to cover items in your home in case of theft or damages. There is also a liability portion which covers damages to the home which its true owner might be upset about, have to pay for or may want to sue you over. It is a good idea to carry renters insurance in any place that you live whether it is an apartment complex, a house, or even a room.

 

Here is a little more about what renters insurance covers and for how much:

 

  • 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 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.
  • Some insurance companies will not cover dog bites for “high-risk” breeds such as pit bulls.

Having the cheap renters insurance San Jose requires is just smart. Get more information about renters insurance by calling us today. Talk with a broker about the best possible plan of action. For as little as $10 a month, you could be covered!

Bundle with your other insurance policies and save even more!


Get your free quote today!

Renters Quote

 

Car Insurance

 

Car insurance is a necessity if you own a car.  If you drive in traffic or along back roads you will need it. Whether you have a lease car for work or own an old truck, you will want the sam type of protection for you and your vehicle.

And getting it cheap is just icing on the cake.

Having the best cheap car insurance San Jose requires is imperative.

Here are the minimum requirements for car insurance:

  • Bodily Injury Liability Limits: $15,000 per person and $30,000 per occurrence
  • Property Damage Liability Limits: $5,000 per occurrence
  •  Being covered for the minimum amount is usually not enough, especially for drivers in California.
  • You may also need to have collision and comprehensive coverage if you have a loan out on your vehicle or lease one.
  • Uninsured Motorist coverage is a great idea because it makes sure that you are still covered even if the other driver is not.
  • Towing and Roadside Assistance are always needed when driving. If you get a flat or if your car breaks down, you will be covered.

Know your rights…

 

Know what can influence your rates. Understanding the factors that influence how much your car insurance will be can save time and money. Looking for a company that offers what you need is key, however you may not be able to control a few factors such as where you live. The zip code you live in can affect pricing. Insurance always comes down to statistics. How likely is it that you will be in an auto accident? The best part about buying insurance is that no matter what your personal situation is, you can be covered and protected. Isn’t it nice to know that someone is looking out for you?

You can begin this process right now by calling one of our representatives.

Get your free quote and feel free to ask us questions.

Your best insurance policy is waiting just around the corner.

Car Quote

 

Motorcycle Insurance

 

Motorcycle insurance is very similar to car insurance.

If you commute, riding a bike is a great option. But it comes with more risk.

Get yourself the best cheap motorcycle insurance San Jose requires and you will feel safer.

 

Motorcycle insurance in California is practically the same as auto insurance. The minimum coverage is identical. The only different is that riding on two wheels is more dangerous than riding on four. When you are out on a bike, you are more exposed. So we urge you to think of how much insurance you actually need to feel fully protected. There are add ons as well such as funeral expenses getting covered, extra medical payments, and having your gear covered. Thats right! That expensive helmet you purchased could be covered. Just ask us how.

There are hundreds of ways for you to cut costs on your motorcycle insurance.

Here are a few ways to get discounts when living in San Jose:

  • Discounts for safety courses- there are many safety and training courses available and usually take up one whole day to complete.
  • You could get discounts for more than one motorcycle- if you have multiple motorcycles or vehicles, you could bundle and save!
  • Additional products purchased could help you save.
  • Discounts for being a safe driver- years of a good driving record will save you when searching for the right insurance.

The more effort you  put in to being a safe rider, the more you could save.

The type of bike you ride is also a huge factor.

The rule of thumb is that the larger the engine, the more expensive the insurance. Keep this in mind when looking for your next ride.

Call today and get the type of motorcycle insurance you deserve. You will want to ask us some questions, and that’s great!

Skim through this website for all the information you might be looking for.

 

Cycle Quote

 

SR22 Insurance

We all make mistakes.

But don’t let your DUI be one that follows you around forever.

Get the cheap SR22 insurance San Jose requires you to have, and be on your way to a happier you!

Here are the steps for attaining this type of insurance:

    • Tell your local DMV that you will be needing SR22 insurance and get the paperwork started
    • Have at least the minimum amount of insurance for your vehicle.
    • Be prepared to have SR22 insurance for a minimum of three years.
    • Don’t be discouraged. Let Cheap Insurance help you!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.

To find out more about this type of policy and have all of the necessary information, call us! We can help.

Don’t be deterred by the problems you face now, just be informed!

SR22 Quote

 

Life Insurance

 

You want to make sure that your family is protected even after you are gone.

Making sure that they are covered with the best cheap life insurance San Jose requires is a great idea.

This is who needs to have life insurance:

  • 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.

What can life insurance do for me?

  • Many people think of life insurance as an investment tool. But really, it is more of a risk management tool. You want to reduce the financial risk for others after your death. Sometimes life insurance can be a tax deduction, so in this way it can have investment opportunities. The best way to find out the amount of life insurance you may need is to calculate your bills and then multiply this by ten. Or you can take your average annual salary and times this by ten. For example: if you make $50 thousand dollars a year, you will need a $500 thousand dollar life insurance policy.
  • You may want more. Talk to one of our brokers today!

Don’t sell your family short.

Be prepared! Get your quote today!

Life Quote

 

Health Insurance

 

We all know how important it is to have good health coverage.

When you see what cheap health insurance San Jose requires, you will want more than just the minimum.

  • 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. 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.

You have probably carried healthcare plans your entire life, but have you been saving money on them?

Have you been getting the best deal while still seeing the best doctors?

Having a great doctor without over-paying seems like a great way to start the day!

Let Cheap Insurance help you!

You and your family can be covered in a matter of minutes.

Health Quote