Looking for a way to lower your car insurance rates without chopping coverage? It’s a lot easier than most people think and it could end up saving you hundreds of bucks per year.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
As a thank you to our great clients, Nelson Insurance is sponsoring the Santa Cruz Museum of Art & History on Wednesday, July 3’rd and making admission FREE to you, your friends, and family! We’re excited for our second opportunity to sponsor a day this season, and hope you’re able to make it down and check out a great local treasure.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
You’ve probably noticed already it’s been pretty dry this year. Just how bad has it been? The 4’th driest in nearly 150 years!The National Interagency Fire Center is predicting an earlier and potentially more widespread fire season than we’ve seen in decades. For those of us living in the Bay Area this is particularly startling news because we live in an area rich with trees, forests, and of course brush. Whether you live in a wooded area or in the city, there are important pre-emptive measures you can take to protect your home and your family from our increasing threat of fires and wildfires.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
When I talk to a potential client and ask what coverage they currently have for their auto insurance, the two most commons responses are “liability only” and “full coverage”. Liability only is fairly straight forward; if you’re at fault in an accident, liability coverage provides protection for damage to the other person’s vehicle, their medical expenses, and lawsuits arising from the accident, up to your policy limits. There is no coverage for damage to your own vehicle. When someone mentions full coverage, they’re typically referring to collision (repairs your own vehicle if you’re at fault), and comprehensive (damage to your vehicle other than collision, i.e., theft, vandalism, fire). But does having full coverage mean you’re covered for everything? Far from it!
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
You’re in a very vulnerable position any time you get into a crash, so what do you do when you get in a car accident? The first thing to do is get your car off the road into a safe spot away from moving cars. If you’re injured, call 911.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
Admitted Insurance Companies
In California these are companies that are licensed with the state and must file and have rate changes approved by the Department of Insurance. Admitted companies are considered “standard” insurance companies, and they specialize in low-medium risk insurance. Unless you have several tickets and accidents, or have a high risk home, you’re probably insured by one of these standard companies. Because they’re licensed with the state, they participate in the State Guarantee Fund, which provides consumers with protection if their insurance company becomes insolvent or goes bankrupt.
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.
The simple answer? A lot. First off, let’s establish traffic school eligibility in California. You can take traffic school to prevent a minor citation from showing on your driving record if you meet the state’s qualifications:
Owner of Paul Nelson Insurance, and resident of Santa Cruz and Monterey counties for 30 years.