California Insurance Guru

An insurance agent does a lot of work to verify a quote.  Why, because he or she has to be accurate.  Of course, the quote is based on the information you provide.  Does the agent order reports?  NO, not before he has an appointment to write the policy.  The reports cost money and the agent […]

Years ago when I first started as an insurance agent, I went on an appointment to write a car policy.  The customer was a old gentleman living in the Los Angeles area.  I asked the normal questions about accidents and tickets.  The insured replied that he never had any tickets or accidents.  The prospect had […]

I received a call today.  The caller expressed to me that she didn’t like her insurance agent and wanted a new home insurance quote.  I asked what insurance company are you currently with and who is your agent? She told me her agent did not process a mortgagee change months back and her current mortgage […]

A person was in my office yesterday.  They were buying car insurance.  The person stated, ” I hope I’m not making a mistake”. Well, I was alittle taken back.  I asked what was meant by that.  After listening to the reply I realized that this person and most people felt the same way when buying […]

The fires have been contained in Southern California as of the writing of this article.  The people in the burn areas as well as most people around the state are pulling out their insurance documents for their home policies.  The question on most of their minds, Do I have enough coverage for my home and property’?  If […]

Not all agents charge a broker fee.  If the agent is a captive agent, which means they only sell insurance for one company, then that agent is not allowed to charge a broker fee.  Captive agents work for companies like, State Farm, Allstate, Farmers and AAA to name a few.  If your agent works one […]

Okay, so you have a car or home policy and you want to make a change to your policy.  What do you do?  Do you call the company directly or do you call your agent?  Of course, you always try to call your agent first.  Your agent should know you and be familiar with your […]

Well, the time has come, you’re a homeowner.  You need to obtain insurance.  How much insurance do you need for your home?  You may think you need to insure your property for the amount of the purchase. NO. First thing you do is call an insurance agent.  I talked about this in the past.  You […]

When shopping for insurance most people buy with price in mind.  Price is important, but its certainly not the only reason to base your decision making. How important is the insurance company you choose?  Choose your insurance company wisely.  You want a top rated company that has good customer service and an excellent claims reputation.  […]

Life insurance is for the living.  Well, what does that mean?  Scenario; you have a family, a wife and two kids.  You are 35 years old and your children are grade-school age.  What happens to your family if you die?  Chances are, if you don’t have a good life insurance policy in effect your family […]