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Getting a driver's license is a rite of passage for teenagers, but it also marks the start of their most dangerous years on the road. Teen drivers have much higher crash rates than adults. Fortunately, there are ways parents can help to reduce the risks. This video highlights the stories of three teens whose lives ended too soon and examines common factors such as inexperience, immaturity, and … [Read more...]
What's most important to you about your insurance protection? I've asked this question thousands of times in my insurance career. The answer I get most often is, "I want to make sure I'm covered if the unthinkable happens to me" (or words similar). What could these "unthinkable" events possibly be? What quickly comes to mind is a fire that burns down the home. A serious car accident is near the … [Read more...]
It's an alarming fact that home values in California have plummeted in recent years. Here in the Central Valley, it may be one of the best times in history to purchase a home. In some cases, homes that appraised for $400,000 3 years can now be bought for as little as $200,000. Unfortunately, many of these homes are coming out of foreclosure. Here's another fact. Current market values compared … [Read more...]
These are unusual real estate market conditions for sure! In my 32+ years in the insurance business, I've not seen anything like it. Now, I'm not saying that opportunities don't exist in the local real estate market. I'm positive there's a group of entrepreneurs who've adapted and are rippin' it up. From an insurance agent's point of view however, there is often a "disconnect" when we attempt … [Read more...]
Recently I began riding my bicycle again in an effort to take off a few pounds and get in better shape. Nothing heavy duty, typically a 40 minute ride around our home in Tulare. The bicycle lanes on the far right of the road keep you out of the main traffic and seemingly makes it safer. But after a few sessions of huffing and puffing, I began to notice some driver behavior I hadn't seen when I was … [Read more...]
Air bags have prevented millions of serious injuries, but passenger side airbags can injure and even kill a small child, which is why children should always ride in the back seat. Dr. Till Jolly is an emergency room physician and an expert on airbags. He says that airbags were designed for adults, not children. The Insurance Information Institute urges parents to always place children in the … [Read more...]
Now just may be the best time ever to buy a home. With market values and mortgage interest rates at incredible lows, it could be one of the best long-term investments you ever make. Before you buy that dream house, you will want to carefully consider all of the costs of purchasing and maintaining it over the years. And the cost of insurance can be a significant factor in your decision to … [Read more...]
Life insurance protection is key in preserving the financial stability of both families and businesses when a breadwinner or owner dies unexpectedly. And today more than ever before is a good time to evaluate your life insurance needs and check the outstanding values available today among the nation's top term life insurance companies. Why … [Read More...]
Our agency specializes in providing insurance for rental occupied properties. This would include all of the following types of properties: Single Family Dwelllings, Duplexes, Triplexes, Fourplexes, & Apartment Buildings (5+ units). If you are a landlord and own rental property, you understand the importance of having good … [Read More...]
Our agency is the "Endorsed Local Provider" for Dave Ramsey in the Central Valley of California. To earn this designation, we have passed stringent interviews and eligibility requirements from Dave and his staff. Students of his programs and visitors to his website from the Central Valley of California who inquire about insurance are referred … [Read More...]