Q&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.
Read MoreRental Car Coverage in Palmdale, CA
After an accident, you might be faced with some expenses you didn’t expect. This option reimburses you for the cost of renting a car while yours is in the shop. Many people assume that rental car coverage is part of any auto insurance policy. But the truth is it’s rarely automatically included. That said you…
Read MoreIdentity Restoration Coverage
Have you ever had your identity stolen? If you have or if you know anyone that has, then you know that it could take years of hard work to get your good standing back. During that time, you could be denied loans or miss out on job oppurtunities because someone used your identity to commit crimes.…
Read MoreHow Long Will A Point Stay On My Driving Record???
This is probably the question that we hear the most while writing new Auto Insurance policies. According to the California DMV, the length of time a point stays on your driving record depends on the severity of the offense. Most points (illegal turn, not making a complete stop, driving over the speed limit, etc.) and/or accidents…
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