California Insurance Guru

Driving less is important for many reasons.  Keep in mind, the more miles you drive the more premium you pay for auto insurance.  It’s a good idea to monitor your miles.  There are ways to limit your annual miles driven. Carpool at least once a week. Take public transportation. Bike or walk for short trips. […]

Let’s talk about personal property coverage.  What is personal property?  I tell my insured’s, an easy way to know what is personal property and to calculate the limits is to ‘turn your house, condo or apartment upside down.  Everything that falls out is your personal property.’ Now, not everyone is going to remember the cost […]

How To Winterize Your Car It’s that time of the year again.  Winter months are upon us, which can present many challenges for your vehicle. To follow are suggestions to winterize your car and have a safe winter. Replace or Refill All Fluids Let’s start with regular maintenance, check your fluid levels. Coolant—Check your coolant level.  […]

Have your vehicle serviced regularly: Tune-ups improve performance and gas mileage. Ease up on the gas and brake pedals: Accelerate and brake as gradually as possible to save gas. Avoid long idles: Idling burns more gas than restarting the engine. Avoid driving at excessive speeds: Driving at 55 instead of 65 can improve your gas […]

The affordable health care is now up and running. If you don’t have medical insurance, you need to go to the Covered California web site and use their calculators to determine what your assistant tax credit would be. keep in mind, all people need to be insured by January 1, 2013 or face a penalty.

Insure your possessions for catastrophic events, not situations you can cover out of pocket.   Keeping this rule in mind will keep your insurance costs down.   You need to have high deductibles which will keep the premiums low.   Again, any losses below the deductible is your responsibility to pay.

Are you prepared when an earthquake strikes? Make sure your water heater is properly secure and strapped.  Securing your water heater is a building code requirement. Make sure you have a plan for everyone in the house and don’t panic.

Are you prepared when an earthquake strikes? Make sure your water heater is properly secure and strapped.  Securing your water heater is a building code requirement. Make sure you have a plan for everyone in the house and don’t panic.

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.

I have not written a post in a couple of months, not because I’m on vacation or ill, but because I haven’t received any questions about insurance from my viewers.