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Auto Insurance
Loan / Lease Gap Coverage

Loan / Lease Gap Coverage

Imagine the following scenario: You are spending a Saturday afternoon looking for a vehicle to purchase or lease. You drive to the dealership, find the car you want, negotiate price, make a down-payment, and sign some paperwork. Those keys are...

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Health Insurance Penalty Letters

Health Insurance Penalty Letters

We all knew it was coming; the government has begun to send penalty letters. The goverment has begun to send penalty letters. The purpose of these letters is to inform employers that they have one or more employees receiving a government subsidy....

Auto Insurance
Vehicle Discounts

Vehicle Discounts

How much are you paying for auto insurance? Whether you’ve had prior coverage OR you’re insuring a vehicle for the first time, you may be eligible for vehicle discounts. Insurance companies generally offer discounts to students,...

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Improving Coverage but Lowering Your Cost

Improving Coverage but Lowering Your Cost

Employee benefits seem to have a rate increase every year. No matter how much you use your plan your insurance broker is constantly coming back every year at renewal with massive rate increases. It seems like no matter what; you get a 8 to 15%...

Auto Insurance
Auto Violations

Auto Violations

Will auto violations affect my insurance? Insurance companies typically permit 1 minor violation every 3-5 years. Examples of minor violations include disobeying a traffic light, making an illegal U-Turn, not wearing a seat belt, driving with...

Auto Insurance
Auto Liability

Auto Liability

How much auto liability is necessary?   California has minimum liability limits of 15/30/5. This means $15,000 of bodily injury liability per person, $30,000 of bodily injury liability per accident and $5,000 of property damage liability. ...

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