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You need to get an SR-22 form filed with the state “when a judge orders you get an SR-22”. It’s is basically a certificate that your insurance company keeps on file and files with the DMV or the court. You get a copy too.

Why do you need an SR 22?

According to the California DMV, a court will require you to get an SR-22 in these circumstances:
1. You have any safety responsibility suspensions. For example, if you were an uninsured driver and were involved in an accident in the past but did not pay the requisite compensation.
2. You have any unsatisfied […]

What is Car Insurance?

It’s not fun! Most people think of insurance as paying for their car if it gets in an accident. They think of the money they pay every month. They are required to have car insurance if they want to drive a car. Why is this? You don’t have to buy auto insurance! You have other options. The State of California will let you drive without auto insurance if you can prove you have enough money in the bank if to pay for damaging or killing other people or their cars while we all share the road. You may not be […]

What do you mean “A Real Person, Always”?

When you want to talk to someone with expertise in the insurance business, you want to talk to them now, right? Wading through endless menus on a telephone answering system or entering all of your personal information on a web page form just to get a quote can be frustrating. We believe in person-to-person contact and transparent, fully disclosed questions and answers. You can talk to someone here immediately or very shortly after you call text or email. We are licensed insurance professionals with only one goal. Giving you the answers you need to get protection right now. We want […]


Many car insurance policies sold in California will cover you in the United States and Canada, but did you know you are never covered in Mexico? This is the case even though California has a border with Mexico and not with Canada. So, only a few miles, yards, or inches into Mexico with your car and you are NOT covered, unless you have Mexico Insurance.

My insurance brokerage offers many options for Mexico Insurance as they call it. You can buy policies or endorsements that will cover you when you take your car into Mexico. You can choose coverage for just […]


Previously I wrote about the state required minimum liability insurance. That’s the insurance that pays the other people you hurt when you cause an accident. What pays to repair your car when you cause an accident? That would be what is referred to as “full coverage”. There are two main parts to this:

COLLISION: This is when you cause a collision with another car, or something like a light post or a building; although usually we’re talking about a car. This coverage pays to restore your car to the condition it was in when you crashed it. In order to make […]

Minimum State Requirements

Auto Insurance Reality

A recent study of 2,000 people by Policy Genius found that only 50% of Americans know what a deductible is. It states: “…when it comes to actually knowing the four most basic insurance terms, there is no contest: only 36% of Millennial respondents answer correctly, compared to 47% of Baby Boomers.” Only 50% KNOW what a deductible is.

NOT One Size Fits All

When your parents taught you to drive, they probably made sure you looked over your back shoulder when changing lanes. You were instructed to allow a proper following distance. Of course, you always buckle up. However, once you’re out there on your own with your own car, you need insurance. Is it best to just get what your parents had? No! Is there a reason for car insurance has so many parts? Yes! Can you be fully covered based on your family and financial situation and still save money? Yes! What if you only carry the state required minimum insurance? What ARE the state minimums? And of course, what is a deductible?

Why Am I required To Get Insurance?

You may have been driving for many years or you many have just bought your own car and need to get your own insurance. It is the law, you must have insurance to drive a car on public roadways. If you have a loan on your car the lender definitely requires you cover the car they co-own with you. They require you get full coverage so the car will be paid off if it gets totaled.

​Talk To A Real Person

You now have a friend in the insurance business. We shop over thirty insurance companies to find the right fit for you. We will service the policy and treat you like our friends and family when you need it. Our mission is to serve individuals and families in the Western United States and we promised, when you need us, you will reach a Real Person… Always!