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Pomona, CA 91766

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California Insurance Blog

Being Defensive, Not Agressive: Tips for Teen Drivers

There is a major difference between being a defensive driver and an aggressive one, and your teen needs to know the difference. Aggressive drivers are often the ones who cause accidents, and they are also well known for having bad road rage. To keep your teen from being an aggressive driver, make sure you share these tips about being defensive. 

Always think of an exit route

Teach your teen that as he’s driving down the road he should be constantly coming up with exit routes he can take if an accident were to take place. For example, when driving on the interstate, your teen should know which way he’s going to turn if a semi in front of him was to have a blow out. 

Stay well behind other cars

Aggressive drivers don’t care if they tailgate drivers in front of them, and this often leads to accidents. A defensive driver on the other hand knows to stay at least three to four seconds behind all cars that are in front of him.

Keep noise to a minimum

When it comes to having the radio blaring or a bunch of kids screaming in the car, it can be easy to become distracted as well as aggravated. This is why noise should be kept to a minimum when your teen is driving. It’s of course okay to listen to the radio, but the noise level should be low enough to hear a train horn or police car siren. 

For more defensive driving tips you can share with your teen, please contact THINK Ins & Fin Svs LLC today. 

 

3 Fast and Cheap Hacks for Cleaning Windows

All cleaning be arduous. Of all cleaning tasks, cleaning glass can be especially tedious. At THINK Insurance & Financial Services, we’ve helped people find homeowners insurance; we don’t clean windows. We’ve taken some time, however, to find some ways you can save time on your window cleaning. We wanted to make cleaning your windows as easy as finding a new home insurance policy.

Easy Ways to Clean Windows

Cleaning windows doesn’t take much elbow grease, but it requires the proper supplies. Instead of grabbing a commercial window cleaner and paper towels, make the task easier by using a mixture of vinegar and water and coffee filters. The mixture will work as well as a commercial cleaner, and the coffee filters won’t leave streaks. (Newspapers also work for windows, but the print will stain your hands.) If you come across an especially stubborn spot, you can use a chalkboard eraser to remove it.

Easy Ways to Find Home Insurance

You can likely find homeowners insurance in the same amount of time as it will take to clean your windows. Through our website, you can pull up quotes on homeowners policies available in California. Alternatively, you can call our independent insurance agents.

Serving Pomona, CA, homeowners insurance agents at our office will gladly help you find a policy that meets your needs. They’ll ask you a few questions, which only take a few minutes to answer, and then pull up quotes from multiple insurers in California. Since all of our agents are independent insurance agents, they are free to compare policies from every insurer in the state.

To see just how easy finding homeowners insurance is, log on our website or give us a call. Once you find a policy, use this motivation to wash your windows. You’ll have to call us after and let us know which was faster.

 

Avoid Drowsy Driving In California

Getting behind the wheel of a car when you are already feeling tired is extremely dangerous. Even if you are a safe driver, you never know what the reaction time of other drivers are, and your own reaction time is going to be delayed when you are feeling fatigue.

More than half of adult drivers have admitted that they have driven while feeling drowsy, and 37% have admittedly fallen asleep while they have been driving. You don’t want to be one of these statistics, and there are some tips to help you avoid drowsy driving.

One of the first things that you can do is drive with a partner. As you start to feel sleepy, you can turn the driving responsibilities over to someone else. It is also a good idea to stop every few hours, get out of the car to stretch, and ensure that you are still good to go.

It’s best to avoid getting behind the wheel altogether if you are feeling tired. You don’t want to run the risk of falling asleep, though if you are already behind the wheel, you can try to stay awake using such tips as playing music loud, singing along, drinking caffeine, and having someone else in the car to talk with.

Your car insurance is important because it’s going to protect you in the event of an accident. There are approximately 100,000 crashes reported to the police every year because of drowsy driving – and you want to avoid being 100,001. By making the promise that you won’t drive while feeling drowsy, you can eliminate a variety of accidents and near misses.

When you want to compare auto insurance quotes in California or have questions about the best policy, call and talk to us today at THINK Insurance & Financial Services. One of our agents can help you with it all.

 

 

What’s in Your Coverage?

Most people don’t realize what their home insurance just might cover. We know that it won’t protect your car on the road if you’re hit by another driver. Did you know it might protect personal property that gets damaged or destroyed inside of your car though? It all depends on who your homeowners insurance company is. That’s because not all home insurers are the same.

Because we’re independent insurance agents, we have working relationships with multiple homeowners insurance companies. As a result, we’re able to provide you with a variety of choices on insurers, coverage and premium payments that you can tailor your homeowners insurance with. Most other agents can’t do that. They’re tied into one single insurer, and that insurer doesn’t permit them to give those choices. Because their loyalty is to that one lone insurer, it might be difficult for them to give you objective and unbiased information and advice. You won’t have that problem with us.

In the context of any claims that might arise, whether its a homeowners or car insurance claim, we can assist you in its preparation and submission. We can also advise you on which one to file in an unusual circumstance. That way your claim can get resolved faster.

We live and work in or around the Charter Oak, CA area. We’re established and respected members of our communities. We might even already service people that you know. We want to see you, your family and property fully protected. We’ll be happy to make ourselves available to answer any questions or address any insurance concerns you might have. It doesn’t matter if it’s homeowners insurance or car insurance, just feel free to give us a call. You’ll be happy you did.

Storm Damage to California Roof

With a coastline as long as California’s, any type of storm can hit hard and tear your roof to shreds. Water entering the home will damage ceilings, walls, floors, furniture and other personal property. You want insurance coverage, not only for your roof, but for the interior of your home too.

As independent insurance agents, we not only want to see your roof repaired, we want to see your home, family and personal property fully protected too. That’s what homeowners insurance is for, and part of our job to to give you unbiased and objective information about it. From that range of information you can choose your options so you can cover your home and family from top to bottom.

Because we’re independent agents, we can offer you choices on insurers, coverage and premiums. Most agents can’t do that because they’re not permitted to by the insurer they work with. They’re tied in to only one company. We’re not.

All of the insurers we work with are established, well funded and fair. To help cover those items in your home with special value from water damage, we’ll offer you special endorsement coverage over and above standard personal property coverage limits. If you have a homeowners claim, we’ll even help you in preparing and submitting it.

We live and work in and around your community and might even service your friends or family members already. Whether you’re in the process of buying your first home or just comparing coverage and prices, feel free to give us a call with any questions you might have. We’re happy to talk with you and provide you with a full range of choices from the multiple insurers we work with. You’ll be happy you called for a quote.

Don’t Rely on Your Roommate’s Renters Insurance to Insure Your Belongings

Do you have renters insurance? Unless you’re married and have a joint policy, don’t rely on your roommate’s renters insurance to cover your belongings. While most policies include personal property coverage, it only applies to the belongings of the policyholder, not their roommates. If you’re in an apartment in Pomona, CA and don’t have your own renters policy, here’s why you should get one before it’s too late.

Renters Insurance Insures Named Policyholders

Most renters insurance policies only insured the policyholders named on the policy. While there may be a couple of exceptions, such as a child’s toys being insured by their parent’s insurance policy, typically if you don’t pay the renters insurance bill or didn’t sign up for it, you aren’t insured. In apartments where several unrelated individuals live together, everyone needs to have their own policy.

Specific coverages vary from policy to policy, but renters insurance usually includes some form of coverage for your personal possessions. Since only people named on a policy are insured by that policy, though, only their belongings are covered. Therefore, you can’t rely on your roommate’s renters insurance to reimburse you if your possessions are stolen or damaged.

Independent Agents Help Renters Find Insurance

If you don’t have renters insurance, give us at Think Insurance and Financial Services a call. We’ve served many renters in Pamona CA, and we’d love to help you as well. All of our agents are independent insurance agents, which means they can pull quotes from any company offering renters insurance in California. We’ll not only make sure your belongings are insured by your own policy, but we’ll also get you the lowest premiums possible.

 

Does Age Matter When Buying Life Insurance?

Montclair is located in the San Bernardino County of CA. It is close to Los Angeles, which is the nearest metropolitan. Home values are higher here than the rest of the state on average. Many people choose to live outside of LA and many will choose this city, which has a population of around 35,000.

When you buy life insurance, age matters. The reason is because insurance companies are going to look at life expectancy and determine approximately how soon they would have to pay out on a policy. The younger you are, the more affordable a policy can be. This is because companies assume that you have a long life ahead of you and won’t have to pay anytime in the near future.

Regardless of how old you are, there are decisions that need to be made. This includes deciding on such things as:

– Term vs. whole life insurance

– Amount of policy

– Beneficiaries

When you have questions about the policies that are out there and how age factors in, it can be advantageous to work with a broker from one of the insurance agencies in CA. We have a broker who can help you with a policy in Montclair.

Depending on your age, you may be looking for a way to add protection to your family until you reach retirement or you may be looking for a way to provide for your spouse once you pass on. There are several things to consider and a broker can work with the different insurance companies to get you quotes.

Call us today and let us work with you to answer questions, get quotes, and help you to decide on a life insurance policy that works based upon your age as well as your budget.

Tips For Buying Health Insurance With Your Spouse

Throughout California, there are some gorgeous places to call home. There are mountains, beaches, and vineyards along with a number of metropolitan cities. Home prices can be spread out considerably, appealing to people of all financial statuses.

When you decide you want to buy health insurance with your spouse, there are some tips to follow. You will want to make sure you have adequate insurance coverage for everything.

Look at Coverage Levels

The insurance coverage can vary considerably when you look at the different policies. When you shop for health insurance in California, you want to look at:

– PPO versus HMO

– Deductible

– Prescription coverage

– Copays

Once you explore all of these, you will be better equipped to choose a policy for you and your spouse to share.

Contact Employers

Employers may provide you with health insurance or provide you with the ability to buy a plan. Before you buy independently, you should get an idea as to what it’s going to cost on a monthly basis. Sometimes it is more advantageous to buy independently, especially when adding a spouse, but it’s best to know ahead of time.

Work with an Agent

You will want to work with an agent to help you find health insurance. This will ensure someone is going to answer your questions, make sure you and your spouse have the needed coverage, and more. The agent is going to get quotes from multiple insurance companies in California and this will give you a chance to do some comparisons with rates.

Buying health insurance is easier when you follow a few tips. Work with one of our agents and get questions answered, quotes delivered to you, and assistance every step of the way. Soon you will have an affordable policy you can rely on.

How Are The Best Agents Going To Help Me With Car Insurance?

La Verne, CA is located in the southern part of the state, not too far from LA. Many people make the commute into the metropolitan area for work. There are some great public and private schools in the town and it is nestled within the foothills of the Pomona valleys, providing some breathtaking landscape.

When you call the 91750 ZIP code home, you want to be sure you have car insurance that you can rely on. Some of the best agents are out there and can help you to get a policy you can count on. Some of the ways these agents can help include:

– Answering questions

– Determining necessary coverage

– Exploring discounts

– Finding quotes

– Helping with comparisons

Since you want the best price possible on car insurance, the quotes are an important part of the process. Independent agents work with multiple companies throughout CA and this gives you a chance to see how the companies can vary in terms of coverage and cost.

You cannot drive around La Verne or anywhere else without the insurance, and you have to consider what kind of coverage you need. An agent can help you determine how best to protect your car in the 91750 area. This includes discussing the liability limits as required by the state, the benefit to increasing these levels, as well as collision and comprehensive coverage. You will learn the “why” behind adding coverage to your policy and be confident that you are getting the best possible price.

There’s no reason to shop for car insurance on your own. We have agents who are ready to help you with every aspect of buying a policy. Call us today and we can begin obtaining quotes on your behalf so you can make comparisons.

Can I Add A Spouse To An Existing Car Insurance Policy?

California is one of the top states to live. All four seasons are celebrated, particularly in the northern part of the state. As you travel lower into the state, there is more sunshine and that’s because of the presence of the Pacific Beaches. Hollywood, Los Angeles, San Diego, and other major cities are popular for living in as well as for tourism.

When you have a car insurance policy, you may want to keep it the way it is. You will want to add your spouse, however, in order to avoid two separate policies. You don’t have to get a new policy just because you want to add a husband or wife. The existing policy can simply be updated.

It’s a good idea to work with a car insurance agent when adding a spouse and there are a few reasons for this.

1. Ensure you have the needed coverage

2. Get the best possible rate

3. Take advantage of any discounts

4. Explore rates with other top insurance companies

5. Have a go-to person for getting questions answered

You are likely going to find that when you add a spouse to your car insurance policy, it will be more affordable than what it would cost for each of you to have your own policy. This is because insurance companies give discounts on multi-car and multi-driver households.

You don’t have to do the adding of a spouse or the searching of a policy on your own. There are many insurance companies that do business in California and you don’t want to spend all your time contacting them one by one.

Work with an agent today by contacting us. We will make it easy for you to add a spouse to your existing policy and show you some of the other options that are offered by other companies.

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