Cheap Insurance Toluca Lake

Small Neighborhood, Big Dreams

Toluca Lake is a small yet well established community in the Los Angeles area. Once home to Ronald and Nancy Reagan, there have been more than a few stars to settle down here. The community itself is surrounding a man made lake which is fed by the Los Angeles River. A beautiful and maintained neighborhood, there are many reasons to live here, raise a family here and even retire here. If you want a close commute into downtown Los Angeles, yet feel far away from the hustle, Toluca Lake is the perfect place to reside. Only 1.2 square miles, the geographical location is small. But don’t be fooled by size, the homes and schools here are top notch. Most residents here have a four year degree and education is important.

The people who purchase homes around Toluca Lake itself, each own part of the lake. The lake is taken care of by each homeowner and this brings sense of community to the area. When you are not at home, you can enjoy a Bobs Big Boy Diner. This famous diner is home to some amazing burgers and fries. Do some shopping on Riverside Drive or catch a show at the old Falcon Theater. You will enjoy relaxing strolls down the tree-lined streets. Toluca Lake is truly a home away from home for any Los Angeles resident.

Toluca Lake

If you are looking to purchase a home in this area, you will want great homeowners insurance. Moving into a town like Toluca Lake, usually means you want to settle down. Maybe you need a new car for your commute into Los Angeles or for your teenage daughter to drive. Do your homework and grab the great car insurance provided through Cheap Insurance Agency. You need to insure your assets and your life even in a fun, safe place like Toluca Lake. Get your hands on cheap insurance in Toluca Lake and feel safer now.

Insurance Requirements In Toluca Lake

Car Insurance

Whether you are purchasing your first car or your tenth, car insurance is important. Commuting from Toluca into downtown Los Angeles or Burbank may mean spending time in traffic. Your risk when sitting next to so many other drivers on the freeway is higher in Los Angeles than other areas. Because of this, many insurance companies will charge you more. Be prepared for whatever comes your way by carrying full car insurance coverage. Getting the cheap car insurance in Toluca Lake means talking with a broker today! Getting the best price on your car insurance may mean bundling it with another policy such as homeowners or renters insurance. Paying your car insurance once a year rather than once a month will save you money as well. You could save as much as $200 a year doing a lump payment.

State law requires you to carry a minimum amount of coverage. But there are no laws for carrying more. You should take into consideration how important towing and roadside assistance can be. When you get into an accident, you will want to be covered for that and more. Auto liability insurance is required in California, but the state only requires minimum liability.

The required liability limits for Auto Insurance are $15,000 per person / $30,000 per occurrence for Bodily Injury liability and $5000 for Property Damage Liability Basic California liability for Autos provides no coverage for your vehicle if you are at fault, or if your vehicle is stolen. The number of uninsured drivers in California are estimated to be as high as 23%. Keep this in mind when you are choosing whether or not to purchase the optional Uninsured Motorist Coverage.

Car Quote

Homeowners Insurance

Purchasing a home is a huge investment that takes time and money. Toluca Lake is an amazing place to live and invest. But Toluca Lake has one of the highest home prices in Los Angeles as a whole. The average home price for this great little community is 960 thousand dollars. That is almost a million dollars for the average home. More likely than not, you have been saving for years and are well established in your job. Make sure you are saving money somewhere if not in your actual home purchase.

Getting a great deal on homeowners insurance means making sure that your home is safe. This could mean adding an alarm system or a fence around your pool. The best place to start looking for a great insurance plan is to call a broker at Cheap Insurance. You can click on the link button below and get an instant quote now. The cheap insurance Toluca Lake residents need is just a click away!

Here Is What Could Be Covered Under Your 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
  • 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.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider” should be purchased. This coverage offers a broader range of perils.

Home Quote

Renters Insurance

Another option when searching for a place to live, is to look at rentals. Renting a home can be just as satisfactory as purchasing. Some people might think that homeownership is a burden they are not ready for. Home prices in the Los Angeles area are rising and this makes it almost impossible to own. Renting can be a great way to save money.

When you rent, you will want to attain renters insurance. This could cover you for theft and liability for as little as $20 a month. Renters insurance is one of the cheapest types of insurances you can have. This is because the landlord is responsible for insuring the actual structure of the home. You just need your own assets and liabilities covered. In order to do this, you will want to talk with a helpful representative who can steer you in the right direction.

Get This Covered In Your Policy:

  • Theft- if someone comes into your home and steals any personal property
  • Fire or lightning damage- mother nature has a way of damaging property
  • Smoke damage- a small kitchen fire can cause a lot of damage, be covered.
  • Water damage- if there is any water damage to the house you are renting it could costs thousands to repair
  • Hail or windstorm damage- Live in a place with high winds? Be prepared.
  • Damage from falling objects- If a tree falls, it can cause some serious damage.
  • Personal property- Jewelry, furs, fine art, and the excess things in your house not covered by theft.
  • Dwelling- major property coverage that protects house and attached structures.
  • Explosion damage
  • Ice and sleet damage
  • Liability coverage-If someone is injured in your house, they could sue. Liability is a good idea.

Renters Quote

Motorcycle Insurance

Owning a motorcycle can be a great option if you are looking to save money. You can save on gas, oil changes, tires and much more by owning a bike instead of a car. Toluca Lake can be an awesome place to ride your scooter around in. The small community is a beautiful and peaceful place to leisurely scoot around in. The greater Los Angeles area is a mecca for bikers and motorcycle enthusiasts. It takes skill and patience to learn to ride a motorcycle.

If you have been a safe rider for years, you should qualify for a discount on your motorcycle insurance. There are multiple discounts you should be asking for. Bundle your motorcycle insurance with homeowners or renters insurance and cut costs. Make sure you get the cheap insurance quotes in Toluca Lake by calling a broker now.

Insurance requirements:

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

Full coverage:

  • 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
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle
  • Towing- very useful for when you break down and are left stranded on the side of the road.
  • Uninsured Motorist- when the other party fails to carry insurance, you will still be covered.
  • Roadside Assistance- you can use this for emergencies and even flat tires.

Cycle Quote

SR22 Insurance

SR22 insurance is there for you when you are at your lowest. You need this extra insurance when you have had a revoked license. The state of California makes it mandatory for those trying to recover in this process to not only have their normal car insurance but also this SR22 documentation. You will need to carry this extra coverage for a minimum of three years with no other penalties. Don’t lapse on your payments and keep in good standing with the law.

Then and only then will you be able to attain your drivers license and get back to normal life. You may have trouble finding employment without a car. This is why it is so important to talk with a broker and find out what you need to get the ball rolling towards better days. Attaining SR22 insurance means taking control of your life and changing your path.

What Is SR22 Insurance?

SR22 documentation is “proof of financial responsibility” for drivers who have had their licenses
revoked or suspended for any number of reasons, including:

  • DUIs.
  • Excessive violations within a certain time frame.
  • Driving without insurance.
  • Outstanding traffic or parking fines.
  • At-fault accidents while uninsured.
  • Reckless driving.

You can click on the link button below for a fast quote.

SR22 Quote

Health Insurance

Staying healthy in this day and age is easier than ever. You can eat right and keep yourself fit without the help of a doctor. But there are some things in life that need a doctors special attention. Disease or illness are two examples of why having great health insurance is a must. Health insurance is mandatory in the state of California. Many people may think that they can’t afford it. But the truth is, coverage for this type of insurance is based off of your yearly income.

This is good news for those who don’t make enough money and are struggling to get by. Everyone needs reliable health insurance coverage, no matter what your financial status. If you are looking for a new plan, consider raising your deductible and lower your monthly premium. You can also save by picking a certain type of plan that works best for you and your family. You will be surprised how affordable it can be.

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

Life insurance is a plan that is there to support the ones you love once you are no longer with them. Many people think that life insurance is only for the elderly. But the truth is that it’s never too late to obtain a great rate on a life insurance policy. There are a couple of different types of plans for you. Make sure you talk with a broker about which is better for you: term or whole life. Consider obtaining life insurance for 10 times the amount of money you make annually. This means that if you make 50 thousand dollars a year, you will need a half a million dollar life insurance policy. There are many people who choose to carry a million dollar life insurance plan. You can use this money to cover debts, funeral arrangements, mortgage payments and much more.

Don’t settle for a simple plan, if you want more. You could give your family the gift of financial freedom by leaving your money to a beneficiary. If you have dependents, you need a life insurance policy that counts. 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. There are over 800 life insurance companies in the United States. With this amount, you are most likely going to find the perfect policy to meet your needs. Only 60% of all American have a life insurance policy in the works.


Life Quote