California Insurance Guru

My car policy cancelled, can I reinstate it? Well, it depends on the company.  But, most companies will reinstate your car, motorcycle or home policies with a lapse.  Each company has there own guidelines.  You will need to talk to your agent and ask if you qualify for reinstatement.

Your car or motorcycle insurance will transfer to your new residence in the state you live, but if you move out of state you will have to cancel your policy and start a new policy.  Don’t terminate your insurance policy until you’re  moved and have a current policy in place. 

Spring is coming and you want a motorcycle.  You need a M1 license and insurance.  One of my prior articles discussed getting a license and when to buy motorcycle insurance. When I first started riding a motorcycle I was told there are two kinds of motorcycle riders, one who has been down on their bike and the […]

Motorcycle insurance can be expensive.  There are a few ways to make sure your premiums are low and remain low. You need a M1 designation on your license. If you only have a permit, your premium will be higher.  So, the first thing to do is get your motorcycle M1 license.  Don’t try and get […]

There are all kinds of insurance. There are policies for cars, motorcycles, homes, life and health insurance. I will primarily discuss personal lines insurance. There is also insurance offered for business and more. Is it important to have insurance? Thats a wide open question. We have a need to insure against a liability and to protect […]

The end of the year is upon us and that means a new year is to begin.  There have been no changes in the minimum car or motorcycle insurance requirements for California.  The requirements are as follows: $15,000 per person and $30,000 per accident for liability. $5,000 for liability property damage. Other coverage that you will […]