Archive for September 2012
What can you do to lower the cost of your homeowners insurance? – Palmdale, Lancaster and Tehachapi, CA
There are a number of things you can do to lower the cost of your homeowners insurance. One way to lower the cost of your homeowners insurance is to look for any discounts that you may qualify for. For example, many insurers will offer a discount when you place both your automobile and homeowners insurance…
Read MoreWhen should I drop full coverage on my older vehicle?
In reality, there is no standard rule as to when you should drop the comprehensive and/or collision coverages. It’s really a personal preference based on if you still owe on the vehicle, your risk tolerance and a few other factors. If your car is only worth $1,200, you may ask yourself what you would do…
Read MoreShould You Purchase Insurance For A Rental Car? – Palmdale, Lancaster and Tehachapi, CA
If you are planning on renting a car, it is important that you do some research beforehand to determine whether or not to purchase rental car insurance. Most of the time, obtaining it from the rental car agency is going to be more expensive. Knowing your options before you rent the car is beneficial to…
Read MoreQ&A – Will A Cell Phone Ticket Effect My Auto Rate? – Palmdale, Lancaster and Tehachapi, CA
One of the questions we get all of the time is “will a cell phone ticket raise my auto insurance premium?” The answer is no, it will not raise your Auto Insurance premium. However the chances of you getting into an accident increase with cellphone use and an at-fault accident will increase the amount of your premium.…
Read MoreBenefits of Commercial Insurance? – Palmdale, Lancaster and Tehachapi, CA
Any business owner will benefit from commercial Insurance since it reduces the risk you may encounter . You can insure your company’s assets, real estate and the health of all your employees (by offering group health insurance). If you are an attorney, property appraiser or other professional who gives advice and writes and administers contracts or other binding written business, you will benefit…
Read MoreHow Much Life Insurance Should You Have? – Palmdale, Lancaster and Tehachapi, CA
The amount of the death benefit needed depends on the financial obligations of the individual. While retirees usually only need a small policy to cover final expenses such as funeral expenses and medical bills, wage earners with families and financial dependents should carry between 5 and 10 times their annual salary to provide support for…
Read MoreAre You Properly Covered? – Palmdale, Lancaster and Tehachapi, CA
Make sure that you have adequate Auto Insurance Coverage or you could be stuck with your own repairs. Contact your local Cullen Insurance Agent to review your coverages and make sure that you are properly covered.
Read MoreQ&A – Why does my insurance rate change if I move? – Palmdale, Lancaster and Tehachapi, CA
In general, when moving to a city, you’ll find that suburban areas will be less expensive for auto insurance than the metropolitan areas. Car insurance providers use statistics about different areas or “territories” as a way to help determine rates. If one area has higher occurrences of hit-and-run accidents, fraudulent claims, accidents, vandalism or theft,…
Read MoreQ&A – What Does Liability Coverage On My Homeowners Cover?
Liability Coverage is included in most Homeowners Insurance policies and it protects you if someone is injured on your property or if a member of your family or a pet injures someone. Usually Liability Coverage limits starts at $100,000 and can go up to at least $300,000. You can purchase additional Liability Coverage with an “Umbrella” policy that kicks…
Read MoreAre You Properly Insured?????
Without Comprehensive Coverage if your car was vandalized you would be left to get the vehicle repaired yourself. Make sure that you are properly covered and contact your local Cullen Insurance agent today.
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