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The owner Brian R. Livesay -
a licensed insurance agent (license number OB62777)
is commited to provide you with superb service and
lowest possible prices in San Diego for Auto Insurance.
His personnel experience range from management for
different financial companies including managing
the investment department for 12 branches of one
of San Diego’s leading banking and financial institutions
and 6 of another. Brian R. Livesay has been a coveted
speaker at many groups and locations through out
San Diego. He is a member of a non-profit (Sofa
the Society for Financial Awareness) dedicated to
non-biased non-product specific free public education.
He is a member of Casep the (California association
of Senior Estate Planners) a consumer advocacy group
dedicated to helping California Seniors. He currently
resides in San Diego and is the Chairperson and
CEO of Livesay Capital Solutions a Financial company.
He is also the Regional Chairperson for RYZE of
San Diego. Brian has many years of experience in
the financial services field of Financial Planning,
Taxes, Tax Planning, Estate Planning and insurance
planning. Next step is up to you so why don't you
call us and find out how we can lower cost of your
car insurance.
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Hi everyone, I've decided to post
what I feel are the most common insurance mistakes made
in San Diego in relation to our Auto and Homeowners insurance.
If you have any questions related to Insurance please feel
free to email me at brianrr@insuremesandiego.com
What do I do if I
get in an Accident
At First, always keep an inexpensive disposable camera
in your glove compartment to take pictures of the vehicles,
the scene, and the people involved. This helps prove who
was actually there. Don’t be shy about using it! Make
sure your current proof of Insurance is in your glove compartment
at all times. (It’s also the Law). Make sure you get
all the relevant details from the other person, or persons,
involved.
At the very least you need:
* Their name, address and phone number
* The name of their Insurance Company
* The make, model and year of car
* List of damage to cars involved including your car
You should then file an insurance claim, even if another
driver caused the damage. Also, you should immediately report
the loss to the police if your vehicle is damaged by a hit-and-run
driver, or if you suspect vandalism or theft. Without a
police report, your insurance company could deny your claim.
What an insurance broker really is?
n Insurance broker is like a retail store. You can come
and shop for insurance that fits your needs. We at Insure
Me San Diego .com can sell insurance policies of the most
reliable but also low-cost auto insurance companies in San
Diego whether you have one or more cars, a good or bad record,
need just a liability and comprehensive coverage we can
help you make the right choice delivering the best insurance
solution for you.
Consider Buying Uninsured Motorist
Coverage
Uninsured motorist coverage pays for bodily injuries caused
by an uninsured motorist or a hit and run driver who is
legally responsible for the accident. In most states, it
also applies to injuries caused by a motorist whose insurance
company is insolvent.
What do you do if an uninsured motorist
hits you?
Insurance agents and brokers strongly advise that you get
the license plate number of the vehicle, name and drivers
license number of the driver and the names of any witnesses.
Notify your agent about this information immediately so
that they can start processing your claim.
If you don't have uninsured motorist coverage, you may be
able to use the collision coverage of your policy to pay
for damages. If it seems unlikely that the uninsured motorist
will pay for any damages, your last resort would be a lawsuit
that can be expensive.
The Most Important:
Whether you buy uninsured motorist coverage or not, the
most important is to drive safely, concentrate on a road
and traffic and be aware of weather conditions as well as
to stay alcohol and drugs free.
Before You Buy a
Car, Compare Insurance Costs
Before you buy a new or used car, check into insurance costs.
Car insurance premiums are based in part on the car’s
sticker price, the cost to repair it, its overall safety
record, and the likelihood of theft. Many companies offering
car insurance in San Diego offer discounts for features
that reduce the risk of injuries or theft. These include
daytime running lights and anti-theft devices. To help you
decide what car to buy, you can get information from the
Insurance Institute for Highway Safety (www.iihs.org).
Have your broker check other insurance
company discounts
Some companies offering auto insurance in San Diego companies
try to reward good risks. That’s the kind of driver
they want. A lot of companies offer discounts to drivers
who also have other kinds of insurance with them such as
their homes. This is called a multi-policy discount. Other
discounts available might be - multiple vehicles, anti-theft
devices, retirees, drivers education, abstainers from alcohol,
age, and distance to university/colleges for students. To
name a few. Check with your broker to all that are available----
it will save you money!
Ask for Higher Deductibles
Deductibles are what you pay before your insurance policy
kicks in. By requesting higher deductibles from your San
Diego auto insurance company, you can lower your costs substantially.
For example, increasing your deductible from $200 to $500
could reduce your collision and comprehensive coverage cost
by 15 to 30 percent. Going to a $1,000 deductible can save
you 40 percent or more. Before choosing a higher deductible,
be sure you have enough money set aside to pay it if you
have a claim.
Reduce Coverage on Older Cars
Older cars in San Diego may have too much auto Insurance
coverage. Consider dropping collision and/or comprehensive
coverages on older cars. If your car is worth less than
10 times the premium, purchasing the coverage may not be
cost effective. Auto dealers and banks can tell you the
worth of cars. Or you can look it up online at Kelley’s
Blue Book (http://www.kbb.com). Review your coverage at
renewal time to make sure your insurance needs haven’t
changed.
Buy your Homeowners and Auto Coverage
from the Same Insurer
Many insurance companies offering insurance in San Diego
will give you a break if you buy two or more types of insurance.
Auto Insurance, Homeowner Insurance, and Life Insurance
may apply. You may also get a reduction if you have more
than one vehicle insured with the same company. Some insurers
reduce the rates for long-time customers. But it still makes
sense to shop around! You may save money buying from different
insurance companies, compared with a multi-policy discount.
Maintain a Good Credit Record
Establishing a solid credit history can cut your insurance
costs. Insurance companies in San Diego are increasingly
using credit information to price auto insurance policies.
To protect your credit standing, pay your bills on time,
don't obtain more credit than you need and keep your credit
balances as low as possible. Check your credit record on
a regular basis and have any errors corrected promptly so
that your record remains accurate.
Take Advantage of Low Mileage Discounts
Some companies offer discounts to motorists who drive a
lower than average number of miles a year. Low mileage discounts
can also apply to drivers who car pool to work. Saving valuable
money spend on insurance and gas for your car in San Diego
Seek Out Other Discounts
Companies offer discounts to policyholders who have not
had any accidents or moving violations for a number of years.
You may also get a discount if you take a defensive driving
course. If there is a young driver on the policy who is
a good student, has taken a drivers education course or
is at a college out of the area without a car, you may also
qualify for a lower rate.
You can send Brian an email at brianrr@insuremesandiego.com