Would You Like A Raise?

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When it comes to auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

Auto premium savings

There are many things you can do to keep your auto rates at the lowest level possible.

  • Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  • How many mile you drive will impact your auto insurance premiums.
  • Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.
  • The kind of car you own can have an impact on the insurance costs. Do some research about a car, before you buy it.
  • Is your coverage appropriate based on the type of car you have? If you have an older car it may benefit you to consider raising your collision deductibles.
  • Get your policy up to date. Have you experienced changes like a new address, divorce or marriage? Call us for a policy review.

At North Bay Insurance Brokers, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance.

Now That Is One Sweet RV!

Motor HomeA North Bay Personal Insurance Update

As a Recreational Vehicle owner, you love to enjoy your “home away from home.”  You spend many hours cleaning and updating your RV in order to make sure your travel plans go well.  Regardless of whether you are relaxing at the lake or traveling through the Rocky Mountains, you need to take the proper steps to protect what you have worked so hard to enjoy.  Specialty Auto Insurance can protect your asset while giving you peace of mind knowing that if an accident does occur, you are protected.

RV Insurance Premiums

RV insurance rates do differ from company to company. It is important to have us shop your insurance to make sure you get the best insurance possible. There is no such thing as a one-size-fits-all insurance policy.  Some insurers offer better rates for trucks, RV’s, and campers, while others can offer better rates for expensive motorhomes.  We can cover class A, B, and C vehicles.

RV Insurance Coverage

  • Liability
  • Comprehensive and Collision
  • 24 hour roadside assistance
  • Uninsured/underinsured motorist coverage
  • Emergency expense money
  • Coverage for contents
  • Towing coverage
  • Medical payments coverage

Your standard personal auto insurance will not cover your recreational vehicle.  It is better to have coverage specifically designed to the needs and risks associated with your particular RV or travel trailer.

Our agency has a long history of proudly serving your area as an Independent Insurance Agency and representing some of the best insurance companies in the business. North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.

 

Are You Really Safe Using Uber?

Red smart car.

Red smart car.

If you use a taxi service of any kind, it is a good idea to consider a few safety precautions. Rideshare services such as Uber and Lyft have become increasingly popular as great alternatives to driving yourself or taking public transportation. Remember, if you are an Uber or Lyft driver, your personal auto insurance may not cover this exposure.  So call our office today to make sure you have the proper coverage.

You buy North Bay auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. But, with Uber or other ride sharing programs, you must rely on their insurance.

As these ride share programs become more and more popular, we are seeing more reported injuries and accidents. In some cases, there is minimal, or no, insurance to protect you. Click here for more information.

Ride Sharing Safety Tips

  • Tell someone your plans.
  • Check the driver’s rating on the app.
  • Check the identity of the driver before you get in.
  • Wait inside until your ride comes.
  • When you request a ride, ask to be picked up in a high traffic area.
  • Don’t ride in the front seat for health and safety reasons.
  • Never give cash.
  • The car should have some identification on the windows.

Our agency has a long history of proudly serving your area as an Independent Insurance Agency and representing some of the best insurance companies in the business. North Bay Insurance Brokers Inc. focuses on delivering quality insurance products with a personalized, hands-on experience that sets us apart in today’s market.

Proven Ways To Really Screw Up Your Personal Insurance

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Get The Right Homeowner’s And Auto Insurance

Everyone is looking to reduce their North Bay homeowner’s insurance premiums. Many people often call our office with serious problems with their homeowner’s, auto or renter’s insurance. These problems often involve an accident or loss that was not covered, which could have been covered if our agency was involved. Selecting your personal insurance can be one of the most important financial decisions you make. Personal insurance is there to protect your home, family and assets from loss.

Here Are Common Ways People Mess Up Their Insurance

  1. They buy insurance online thinking that all insurance policies and companies are the same. Online policies require you to select the coverage. Recently, a woman bought her auto insurance online but did not click the collision box. She was in an accident and her car had $6,000 of uninsured damage. We work with our clients to help them understand coverage, and purchase the coverage that they really need.
  2. You sold your car to a relative, but still carry the insurance. This is a really bad idea. Often people have good intentions, but by doing this you put yourself at risk. Also, in most cases the sale may invalidate the insurance.
  3. A family member takes a job with Uber. Unfortunately, your auto insurance will not provide any insurance if you use your personal vehicle as a cab, commercial delivery or “for a fee” service.
  4. You rent, but do not have any renter’s insurance. Even if you rent, you still may have $10,000 or more in personal property, (TV, computers, cloths, guns, etc). Renter’s insurance can protect your personal property, for very little premium.
  5. You do not pay premiums on time. People often think that insurance is like a utility bill and payments can be late. If payment is late, the insurance company has the right to cancel coverage.
  6. People buy expensive jewelry buy don’t tell the agent. If you just bought your wife a new ring, and the value is over $2,000, you will need to add it to your policy. There are limitations for jewelry, so call our office for more information.
  7. You started a home business. Running a home business is not automatically covered under your personal insurance. You will need to make changes to your policy.
  8. If you have a change of marital status you will need to make changes to your insurance. If a loss occurs after a divorce, insurance payments can take much longer to figure out.
  9. Don’t use your auto policy for every little scratch and dent. It will only drive up your premiums.

Please call our office today if you need to make any changes in your insurance program. When you work with North Bay Insurance Brokers, Inc., you’ll experience the exceptional service and attention to detail that you can only find with an independent insurance agency.

 

Don’t Be Scammed By Insurance Criminals

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Most of us in the North Bay are hardworking honest people, who are building strong families and are productive members of our community. Unfortunately, there are a few people who try to take advantage of us and we need to be educated on what to watch for. Fraud, including insurance scams, is the second-most burdensome financial crime in the United States. Tax evasion is number one.

Here are a few of the most common scams. Most fall under auto insurance

  1. Forced Rear-ending – Typically, the scammer will slow down or come to a stop in busy traffic, or swoop in front of the victim at an intersection or an on-ramp, causing the driver to crash into them from behind. In most states, the person who rear-ended the other driver is the liable party, thus the scam begins. At this point, the scammer will claim high medical bills and unusual property damage, (loss of IPhone, damage to other personal property, etc).
  2. Counterfeit Air Bags – Each year, about 1.6 million air bags inflate during crashes, saving thousands of lives. But, during the repair process, at least a small percentage of those deployed air bags will be replaced with counterfeits, which can be life-threatening. Make sure you use a reputable repair shop and ask to have factory airbags installed.
  3. Windshield Replacement Rip-Offs – Don’t fall for the person in a van who stops you to say he can offer to fix your windshield. The scammer takes your insurance information and files a false claim. Only use well known repair shops.
  4. Phantom Victims – Often after an accident, you are not fully aware of everyone and everything around you. The scam is the injured party will say there was another passenger in the vehicle and make a false claim. When gathering information after an accident, such as the other driver’s license number and contact information, also count the number of passengers in the other car (if any) and take photos of the other car, its passengers, and the general scene.

We hope none of these happen to you. However, if you do have an accident, we are here to help you through your claim.

As a locally owned and operated insurance agency in Sonoma, California, North Bay Insurance Brokers, Inc. is committed to providing quality insurance products for individuals and businesses. We combine our strong insurance background and product knowledge to assist both current and future clients in managing and planning for all types of risk.

Put The Brakes On Risky Driving… And Save!

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North Bay Auto Insurance Rate Increases

There are many factors that may cause your North Bay auto insurance rates to increase. These factors might include having a number of accidents, adding teen drivers or buying a newer car. The primary factors that will contribute to increased auto insurance rates are moving violations.  Also, drivers who file an auto insurance claim will see their rates climb by an average of 38% nationwide, while those who file two claims within a 12-month period can expect to pay nearly twice as much as claim-free drivers, according to a new report by Quadrant Information Systems.

The Most Expensive Auto Violations Nationwide Include:

  1. DUI—93% increase in insurance premium
  2. Reckless driving—82% increase
  3. Speeding—30% increase for 31+ mph over the limit

28% increase for 16-30mph over the limit

21% increase for 1-15mph over the limit

  1. Careless driving—27% increase
  2. Failure to stop—19% increase
  3. Failure to yield to pedestrians—19% increase
  4. Driving in a carpool lane—18% increase

How to Keep Auto Insurance Rates Down

  1. Be a defensive driver
  2. Combine your home and auto with one insurer. If you purchase your auto, homeowners and umbrella coverage from one carrier, for example, the impact of violations on premiums may be less severe.
  3. Use an independent agent who can shop your insurance on a regular basis.

You buy California auto insurance to protect yourself when you have an accident or claim.  When something bad happens you want your auto insurance company to respond. When it comes to auto insurance, knowledge is power. Here are some facts to help educate you about auto insurance. At North Bay Insurance Brokers, Inc., we combine premium Auto Insurance with personalized service to give you the best coverage possible

 

Is Our Sharing Economy Creating New Risks For You?

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Uber, Airbnb and VRBO may increase your personal liability risk

We live in a digital world that now allows us to share everything from our car, bike, boat, apartment and even our home with total strangers. Smart phones, and the applications that can be added, offer many useful tools, but some of these things create new and increased liability for you. Before you decide to jump into the sharing economy consider the following:

  1. Do these sharing sites have the ability to protect your confidential information? Many times you are giving your credit card information to companies that may not have the ability to protect it.
  2. If you use Airbnb to sublease your apartment, you might check your lease. Many lease agreements have “no sublease” clauses that do not allow for this kind of activity. Also, some big cities are now actually considering outlawing the Airbnb services as it reduces hotel/motel taxes.
  3. Uber offers a taxi service where individuals can offer rides to those who subscribe. Are you confident that these individuals have had proper background checks? Are they experienced drivers? Do they have the correct insurance? Remember, even in states that have mandatory auto insurance laws, over 25% of drivers don’t have insurance.
  4. Personal auto insurance issues should be considered if using your car for hire. There is a big difference in the auto insurance world between a car pool for work and being paid to deliver people.
  5. Renting your home may limit of reduce your homeowners insurance. Call our office for a review.

The use of the new sharing economy will most likely continue and may be a good way to save money. However, if you have an uninsured claim, the cost may be much greater than the savings. Be aware that using these services may increase your risk of loss. The insurance industry will respond over time to the sharing economy, but in the meantime, there are limitations and restrictions in your current homeowner’s and personal auto insurance policies of which you need to be aware.

At North Bay Insurance Brokers, Inc., we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound