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Workers Compensation Insurance
Auto insurance in California can be a bit confusing—especially if you are unfamiliar with the basics. These tips can help you better understand California auto insurance so you can get the policy you need to keep both you and your car protected in case of an accident.
California does require insurance for each and every driver on the road. Minimum coverage will pay for damage you may do to another car, or personal property, in case of an accident. You can elect to purchase additional insurance that pays for your own vehicle and/or medical bills, but this is not part of the state requirement.
You may choose higher limits than the state-required amount. This can protect you from financial disaster in the unlikely event of an accident.
Proof of insurance is generally required before you will be able to renew your vehicle registration and keep your tag up to date. This is one of the best ways the state has to make sure people follow the insurance requirements.
Driving without obtaining insurance is usually treated as a major offense. If you fail to provide proof of insurance, you may be fined, have your license suspended, or need to appear in court.
It is important to shop around and find the best rate on insurance. Working with an agent will help you better understand your needs and get the coverage that will protect you from a financial emergency.
Working with an independent agency like Satwant Singh Insurance Agency just makes sense. We can run a live search to compare California auto insurance quotes from our website and get you the best possible price for the coverage you need. If you have any other questions about auto insurance in or around Sunnyvale, Fremont, Santa Clara or San Jose, California, California, contact Satwant Singh Insurance Agency online or by phone and let us help!
Home insurance in California is something that is unfamiliar to many. However, it is easier than you may think to understand if you just learn a few basics. These tips can help you learn more about California homeowners insurance so you can get the policy you need to keep your home and finances safe in case of a disaster.
Homeowners insurance or another form of property insurance may be required at a higher rate if you have certain risk factors around your home such as a swimming pool. Make sure your agent knows about these issues.
Choosing a higher rate of insurance is a good way to protect yourself if someone hurts themselves around your house.
If you rent, talk to your landlord about insurance. He or she should be paying this policy but it is important to make sure everything is covered, just in case.
Find out if you need additional insurance types such as flood insurance or earthquake insurance. Depending on your location this type of damage may not be included in a standard policy.
It is important to shop around if you want the best price for your insurance. Working with an independent agency helps you determine your needs and get the coverage that you will need.
Working with an independent agency like Satwant Singh Insurance Agency saves many customers time and money. We can run a live search to compare California home insurance quotes from our website and get you the best possible price for the coverage you need. If you have any other questions about homeowners insurance in or around Sunnyvale, Fremont, Santa Clara or San Jose, California, contact Satwant Singh Insurance Agency online or by phone and let us help you protect your home.
As a business owner in Fremont, Sunnyvale, Santa Clara or San Jose, you know just how quickly insurance costs eat into your hard-earned profits. One way to combat increasing costs is to shop around with the help of an independent agency. In San Jose, Satwant Singh Insurance Agency works with business owners to help them find the most affordable Business insurance policies for their needs. Some of the types of Business insurance which are available for you are:
California Business Auto Insurance
Your business vehicles need to be insured just like your personal ones. Depending on the type of vehicles, and what they're used for, you may need liability, collision, comprehensive and medical payments coverage.
California Business General Liability Insurance (CGL)
In a litigious society, it's essential to have liability insurance in case someone hurts themselves at your place of business. You might also be the victim of vandalism or theft which could leave you without hundreds or thousands of dollars' worth of supplies or equipment. This coverage will pay for losses for injuries that occur on-site, as well as any property damage done by others.
California Business Property Insurance
If you own the land where your business is, you need to protect the property on which your business is run and Business property insurance will insure your possessions, inventory and the land. You never know when a disaster--natural or otherwise--will strike, and this coverage will help you keep from going into debt to make repairs following a storm, fire or break-in.
California Workers Compensation
You'll likely need workers comp insurance if you have any employees. You can work with your agent to find out exactly what current California law requires, but this coverage protects your workers in case they are hurt on the job.
California Business Owner Package (BOP)
This might just be the solution for which you're looking. A business owner package, orBOP, gets you liability, property and business interruption coverage. When you buy polices as a bundle, you'll get a better rate overall and know that you're adequately covered.
If you're ready to purchase Business insurance for your California-based business, contact the agents at Satwant Singh Insurance Agency today. Not only will they explain the policies and help you decide which ones you need, they'll also help you find the lowest prices on them, and they're always on hand to answer your questions.
No matter which age you are, buying a life insurance policy is a wise decision especially if there are people who depend on you. Even if you don't have anyone who depends on your income, if you've taken out student or auto loans with another individual as the co-signer, having a term life insurance policy is a good idea so that the other person doesn't get stuck with your debt. Young families need either term or whole life insurance on both parents in order to ensure that the kids are well taken care of and that the surviving parent's burden isn't too large, should one pass on prematurely. Even empty nesters can enjoy the benefits of life insurance, especially if there is a significant age difference or their nest egg isn't very large.
Term life insurance is often best for younger people who are just starting out on their adult path and need the security that life insurance brings, knowing if they die, their parents don't have to pay the student loans off with their retirement funds or that if their partner passes on, they don't have to work 60-hour weeks to make ends meet. A term policy is only good for the specified length of time, usually 5 to 25 years. Once it's over, you can renew if you wish.
A whole life insurance policy differs in that it builds up cash value which can be taken out even if you cancel the policy. These policies are usually good for life, provided you keep making your premium payments. Many older people choose these since the policy doesn't expire.
If you're looking for life insurance in the Fremont, San Jose, Sunnyvale or Santa Clara, California area, the team at Satwant Singh Insurance Agency is ready to help explain the details of the policies so that you can make an educated decision as to which is right for you. Additionally, an independent agent will be able to answer your questions at any time.