Last updated 8 days ago
Your home may be your most valuable asset, but that doesn’t mean you have to overpay on your home insurance rates. There are many steps you can take to control your premium costs. Try these tricks for bringing down your home insurance expenses:
If you don’t have a fire alarm, or if you only have one alarm on a large property, installing more will reduce your insurance rates. Adding a home alarm system will also pay off in lower insurance premiums. Adding storm windows and reinforcing your roof can also reduce your costs. As a general rule of thumb, home improvements you make to protect your property will in turn lower your insurance expenses.
For more ways to save money on your home insurance, talk to us at Damberger’s Insurance Agency. As a local Mercury Insurance agent, we can help you find the right coverage for the right price. Call our Mountain View office today at (866) 982-9181.
Last updated 16 days ago
After you get a speeding ticket, chances are your thoughts will immediately turn to your auto insurance. What impact will have your ticket have on your insurance premiums? This video explains.
There is a good chance that your auto insurance rates will increase after a speeding ticket, but this doesn’t necessarily mean that a steep jump in premiums awaits you. Factors like how fast you were going and how many tickets you already have also play roles. You may even be able to avoid increases by taking a driver safety course.
Damberger’s Insurance Agency is committed to getting you the best prices possible on your auto and home insurance. Get a quote today from our Mountain View insurance agency by calling (866) 982-9181.
Last updated 22 days ago
You have homeowner’s insurance, so you’re covered in the event of flood, right? Unfortunately, this is just not true. Homeowner’s policies do not protect you when a flood strikes, which leaves you facing hefty costs for repairing damage and replacing property. If you don’t have flood insurance now, here are some reasons to call your insurance agent today:
Flood Damage Is Expensive
It doesn’t take much water to do significant damage to your property. Even a few inches of flooding can cause tens of thousands of dollars in damage to your home, not to mention the costs of replacing any property that has been destroyed. Between the years of 2008 and 2012, the average flood insurance claim was over $38,000, according to the National Flood Insurance Program. In some circumstances, flooding can even make a home inhabitable. This is especially true after a major storm when water sits in the property for an extended period and mold develops. Insurance shelters you from the devastating financial fallout of flood damage.
Flooding Can Happen Anywhere
Floods aren’t restricted to hurricane-vulnerable coastal areas or towns situated along major rivers and lakes. If it ever rains where you live, it can also flood. Furthermore, not all floods are acts of nature. Clogged drainage systems or burst water mains can also cause flooding. Building and development in your area could alter your flood risk, leaving your home more vulnerable than it once was. A low risk is not the same as no risk.
Flood Insurance Is Affordable
With the cost of repairing flood damage, you can’t really afford not to have flood insurance. The good news is that policies are more affordable than you think. Rates are based on your risk level as well as other factors, like when your home was built and what kind of deductible you want. In a low-risk area, flood insurance could be less than $150 per year.
Don’t let another day go by without protecting your home from flooding. Call Mountain View’s Damberger’s Insurance Agency today and find out how we can help with all of your insurance needs, from auto and homeowner’s to disaster policies. Learn more by calling (866) 982-9181.
Last updated 29 days ago
With a new car comes new auto insurance needs. In California, you are legally responsible for carrying a minimum amount of auto insurance. This is to help protect other drivers if you damage their property or cause injury to them while operating your vehicle. Although the state has minimum auto insurance standards, you may wish to invest in a policy that exceeds those guidelines so you and your property are adequately protected. Here’s a look at California’s insurance requirements:
California’s Minimum Liability Insurance Requirements
California law requires that drivers carry liability insurance. These policies are designed to compensate other people for damage you cause. Collision or comprehensive auto insurance policies are not adequate substitutes. Under the law, you must have liability coverage that pays up to $15,000 for an injury or death to one person, $35,000 for injury or death to more than one person, and $5,000 for property damage.
Ways to Satisfy Insurance Requirements
The easiest way to meet your auto insurance needs is to purchase an auto liability insurance policy. This can be bundled with your other coverage and gives you full protection out on the road. The other alternatives are to make a $35,000 cash deposit with the DMV or to provide the DMV with a surety bond for $35,000.
Consequences of Not Having Insurance
You must present proof of insurance on demand when asked by a police officer, when you’re renewing your registration, or when you’re in an accident. When you buy a new car, the DMV will be notified of your purchase. If you don’t have insurance, your registration will be suspended, your car may be impounded, and you will have to pay out of pocket for any damages you cause during an accident.
Avoid costly legal trouble and buy an auto insurance policy from Damberger’s Insurance Agency in Mountain View today. We can help you find an affordable plan that meets state requirements and protects your property. We’re a local Mercury Insurance agent and can access great deals on auto insurance, homeowner’s policies, and much more. Dial (866) 982-9181 and learn more.
Last updated 1 month ago
Auto insurance for teens is more expensive than insurance for adult drivers, because teens have a habit of driving carelessly. Don’t let your teen fall into bad driving habits. Start talking to your young driver about driving safety before he or she gets behind the wheel for the first time.
Teens are excited about driving, so engaging them in conversation shouldn’t be difficult. The key is to make it a discussion instead of a lecture. Open the door for your teen to ask questions about driving, and resist getting angry over reckless behavior. Instead, explain why certain practices—like texting while driving—are dangerous. Treat your teen like he or she is ready to handle the responsibility that comes with driving, and he or she will be more likely to take it seriously.
Teens with good driving records get the best deals on their auto insurance policies. If you need to add your teen to your auto insurance policy, call Damberger’s Insurance Agency of Mountain View and Sunnyvale. Dial (866) 982-9181 for more information.