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.

Ok Boys…Time to Get Your Toys Out

RV Motor Home Vacation Family Fun wheels tire

RV Motor Home Vacation Family Fun wheels tire

How To Save Money On Your North Bay Toy Insurance

When it comes to North Bay RV, motorcycle, or boat insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals. There are few joys greater in life than being able to escape the daily grind. Regardless of whether you are relaxing on your boat at the lake, traveling through the California coast, camping with friends and family or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.

We know and understand the boat, motorcycle and RV insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

North Bay RV Insurance Rates

RV 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.

How To Save On Toy Insurance

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 to $2,500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.

Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.

The kind of RV, boat or motorcycle you own can have an impact on the insurance costs. Do some research about a RV, before you buy it.

Is your coverage appropriate based on the type of RV you have? If you have an older RV 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.

We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. At North Bay Insurance Brokers, Inc., 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.

 

Your Auto Limits Have Just Been Used Up… Is That Even Possible?

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California Auto Insurance Minimum Requirements

Financial responsibility (commonly known as insurance) is required on all vehicles operated or parked on California roadways. You must carry evidence of financial responsibility in your vehicle at all times and it must be provided. These numbers represent different limits on your policy. If you have limits on your auto policy of 15/30/5, it means you have $15,000 per person, $30,000 per accident and $5,000 property damage limits. If you cause an accident, your insurance will provide payments up to those limits to the other person(s) for the injuries/damage you caused to them or their property.

  • Per person, the amount of insurance to pay for injury to others
  • Per accident, the amount of insurance you have for the total accident
  • Property damage, the amount of insurance you have to pay for the other persons car

We recommend you always consider limits above the state minimums. Most new cars cost more than $25,000 and if your auto insurance limit is used up, the remaining amount will come right out of your bank account.

Auto Insurance Terms

In case you want to better understand your personal auto insurance coverage, here are other terms to keep in mind.

  1. Bodily Injury: Bodily injury liability covers you in the event that you cause an accident in which another person (or people) is injured.
  1. Property Damage: Coverage in case your car damages someone else’s property; usually this means someone else’s car, but it could be a fence, building or other piece of property.
  1. Medical Payments: Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.
  1. Collision Coverage: Collision coverage is an optional coverage that covers damage to your car caused by impact with another car or object.
  1. Comprehensive Coverage: Comprehensive car insurance coverage is also an optional coverage that covers damages to your car caused by something other than a collision; like theft, fire, etc.

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.

Little Known Facts About California Auto Insurance

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Auto Insurance

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

Auto Insurance Facts

  1. Your personal items are not covered if damaged or stolen out of your auto.
  2. The kind of vehicle you own helps determine your auto insurance premiums. Some vehicles are less expensive to insure. Call us today to find out more information.
  3. As your independent agent we will help you manage your policy, and more importantly guide you through any claim you might have.
  4. It is very important to review your auto insurance policy to make sure all the information is correct. Vehicle age, garage location and even VIN number can affect premiums.
  5. If your car is stolen your liability coverage will still apply.
  6. When you allow your uncle to use your car and he gets into an accident, your insurance will apply. You will be responsible for deductibles on your policy.
  7. Auto liability insurance is required in every state.
  8. If you add expensive after-market products (alarm, TV, stereo, custom interior) let us know so we can make sure you have the proper auto insurance coverage.
  9. Many classic cars need special auto coverage, call us today.
  10. If you own an ATV, motorcycle or boat, combining these with your auto insurance can save you money.

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.