As a business owner, you’ve probably heard a lot about business insurance. However, you may not have heard exactly how business insurance can be helpful to you. You may also be unaware of the various specific areas in which business insurance can help you. There are several diverse types of business insurance that are formulated to solve several different kinds of business-related issues. Here are a few predicaments that business insurance can solve for you:
Liability Problems
If your business involves operating in a physical building, you may want to invest in business liability insurance. Liability insurance helps you in the event that one of your customers hurts him or herself on your business premises and sues you. Any adverse circumstances that occur on your business property can potentially lead to a lawsuit. It’s important to be able to protect yourself and to be prepared if one of your customers turns on you and seeks legal retribution. Talking with an insurance professional can help you to determine exactly what your projected liability risks are, as well as the best type of coverage for you.
Income Loss Problems
Recently, income loss has been an issue for many small businesses. Income protection insurance for businesses provides coverage that lets you continue to pay your employees and continue to operate as a business in the event that your business has to be closed. While many businesses have recently had to stay closed due to public health concerns, income protection insurance is typically designed to cover problems associated with business closure due to a fire or significant damage to the building. Income protection insurance can be a helpful asset to you as you operate your business in the current climate.
Damage to Company Property
If your business involves utilizing commercial vehicles (such as semi-trucks or a fleet of vans), you’ll want to protect your property in the event of accidents or vandalism. Auto insurance in Santa Ana can also be purchased to protect commercial vehicles driven by yourself or your employees. Since driving is an unpredictable endeavor, you never know when one of your vehicles might get damaged. And, since you can’t necessarily control where you will need to travel in the course of a business day, it helps to know your fleet of vehicles is protected no matter where you drive.
Check out – business insurance santa ana, auto insurance quote Santa Ana
No matter what kind of car you drive, you’ll naturally want to find the most reasonably priced car insurance available. While you’re hunting around for a good auto insurance rate, you may not be hearing the prices that you want to hear. What you may not realize is that your car insurance rates may be high because of the kind of car that you are driving. Here are some aspects of your car that drive your car insurance premium higher and higher:
Your Car is Sporty
Historically, the most expensive autos to insure are sports cars. Their flashy nature attracts a lot of attention and makes them cars that many people want to steal. Smaller cars can also be more expensive to insure due to the possibility of greater damage in an accident. If you’re looking to save money on insurance, leaning toward a mid-size car can save you a significant amount of money. Opting for a mid-sized to SUV-sized vehicle will give you the opportunity to lock in a lower insurance premium.
Your Car Costs a Lot to Repair
Another factor that insurance professionals look at when creating auto insurance quotes in Santa Ana is the repair costs for your car. Some cars cost more to fix due to a lack of available parts. This can occur because the car is no longer being made (for example, Pontiacs and Saturns are no longer in production) and less spare parts can be readily found. Other cars (such as imported or luxury vehicles) simply need more expensive parts to repair. Consider asking your local mechanic about car makes and models that can be repaired for a reasonable amount of money before you buy a new car.
Your Car is New
While the overall cost of your car isn’t the only thing that car insurance near santa ana looks at when creating your quote, it shouldn’t be ignored either. A brand new car is going to carry a higher price tag than a used one. Additionally, if you finance a new car, you’ll be required to carry comprehensive auto coverage on the vehicle (which is the most expensive type of coverage available). Holding comprehensive coverage on an expensive vehicle will cost a considerable amount of money. By keeping these basic tips in mind, you’ll be well on your way to a better insurance rate.
Check out – inexpensive insurance santa ana and auto insurance santa ana
It’s true that insurance is an important and foundational investment, but no one said that having insurance has to be too hard on your wallet. When you are looking for any kind of insurance, it pays to know a thing or two about finding affordable insurance premiums. As long as you know how to handle the process of getting an insurance quote, you can have the security of insurance and the peace of mind that comes with budgeting well. Here are a few ways to help the insurance quote process work in your favor:
Take Safety and Security Seriously
If you are shopping for business insurance in Santa Ana, you as a business owner can take a lot of steps to lower your insurance premiums. Making sure that your place of business has sprinkler systems and security cameras will minimize the risks of fire and criminal activity. Implementing employee training programs that prioritize safety (like driver training programs for companies that have drivers making deliveries) is another way to save yourself some serious cash when it comes to insurance rates.
Look Around for the Best Rates
At least every couple of years, take another look at who is providing your auto insurance in Santa Ana. For auto insurance and many other types of insurance, rates are continually changing. Because rates and policies can change pretty often, it’s worth your while to check your current premiums against quotes from other insurance companies. In some cases, you may be getting a loyalty discount for remaining with your current carrier, so it will be wiser to stay. In other cases, you may find a competitor that can offer you better premiums and switch to a new insurance company may help you.
Bundle Where You Can
If you need to carry several different types of insurance (like business insurance santa ana and auto insurance, for example), bundling insurance policies might be a good idea. Many insurance companies offer discounts for individuals who take out multiple insurance policies with them. Again, it’s important to check out quotes from several companies, because bundling is not always the cheapest option for you. Nevertheless, it’s always a good idea to ask about a multiple policy discount. If you shop around and look around for lower premiums, there’s no reason your car insurance near santa ana rates have to stress you out.
Buying a new car is always exciting. At least, it is until you get your first car insurance bill. If you have been one of the many people who gasps when opening your car insurance bill, you’re not alone. Not to worry, though – there is a better way. By learning a few things about how business insurance santa ana rates are calculated, you can hack your car insurance premiums. If you don’t want to open your car insurance bills to be a stressful event, check out these tips for reducing your car insurance premium to a more manageable amount:
Choose the Right Car
Before you go looking for car insurance quotes in Santa Ana, start by picking a car that tends to be cheaper to insure. Cars with more than 2 doors tend to be cheaper to insure as a rule. Also, if you have the choice between a hatchback car and a 2-door sedan, go for the hatchback. Hatchback cars count as 3-doored cars for insurance purposes and end up being cheaper to insure (the large trunk counts as a third door). You may also want to find out the kind of safety equipment that lowers your premiums (like anti-lock brakes) and find a car that comes with those safety options.
Consider Your Commute
One factor that many people don’t consider when looking for car insurance near Santa Ana is the effect of their commute mileage on their insurance cost. The further you live from work, the higher your chances of getting involved in an accident on your commute. Therefore, a longer commute means a higher insurance premium. While not everyone has the opportunity to move closer to work, it’s something to consider. It’s also worth your while to look for a new job closer to home if you’re planning to change jobs.
Check Your Credit Score
When you shop around for auto insurance santa ana, the insurance company looks at your credit score in order to determine how much of a risk you pose in terms of ability to make payments on time. If you improve your credit score over time, you will have more and better options when you look for car insurance. While buying a new car may require rigorous work, paying your car insurance premium can be significantly less stressful if you incorporate these simple tips into your life.
On a Rainey day like today it just reminds me how important it is to have proper coverage when you’re out driving. It’s no secret that So cal drivers cannot drive in the rain. Now I would not like to put myself in to this category as I tell my wife “I’m almost a race car driver” but she often disagrees. I just wanted to put out some tips with regards to driving in the rain as now is as good of a time as any. Also if you are looking for Car insurance near Santa Ana give us a call and we can probably save you some money.
Tip #1
Drive the speed limit
The #1 cause of accidents in the rain is speed. Not only going to fast but also going to slow. We all know the implied dangers of speeding in the rain. Hydroplaning, slipping, and sliding. All of these things can be super scary when behind the wheel of a 2 ton machine. So don’t speed and adhere to the posted speed limits. Now something that many don not realize is going to slow can often be as dangerous as going too fast. If you are going 20 MPH below the speed of traffic it is possible that a driver obeying the speed limit will have to break hard and slide right in to you. So be cautious of your speed when driving in the rain.
Tip #2
Check your tires
This is huge. Many people in So cal think they can go over the mileage recommendations on their tires as we have amazing weather and often take it for granted. But when it starts to rain as it is going to this week it is vital that you check your tread. You can be the most cautious driver and your equipment can fail you because you just have no traction on worn tires.
These are just a few tips when driving in the rain this week that I wanted to share. Of course if you are ever looking for Cheap insurance Santa Ana. Or as I like to call in Inexpensive Auto Insurance in Santa Ana please give us a call. I am sure we can save you a boat load of money. Also remember we offer great rates of business insurance and workers comp also!
The internet is a weird thing. For example, let’s talk about Cheap Insurance. Cheap insurance is something that people often use to look for local agents that have good rates. Someone may put Cheap insurance Santa Ana in their search bar to see if that can lower there auto insurance rate.
Although many times we are able to lower auto rates our products in no way shape or form would qualify as Cheap insurance. Sure the price is lower than other places but the product you receive is not cheap insurance. I would call it Inexpensive, yeah, Inexpensive Insurance. The companies we represent like Mercury Insurance are top level insurance companies and many people think that because of that the price may be higher. Nothing could be farther from the truth.
Companies like Mercury Insurance are able to keep their prices so low because they only allow good drivers to enroll with them. So many may call this cheap insurance that statement could not be further from the truth. Now if you are not what one would consider a California good driver (this means you have less than 2 points on your driving records) then we also have other companies that would suit your needs.
Now these companies are a bit more expensive but unfortunately, that is the nature of the beast. If you have had tickets or accidents in the past these points will raise your rate but we still have amazing rates for drivers in these situations. Although many times someone may be looking for Car Insurance near Santa Ana but not find the rate they want we are able to meet there needs because we do not charge brokers fees.
Let me tell you something about these brokers’ fees. DO NOT PAY THEM! So many agencies out there’s top priority is to gather brokers fees and that is their number one priority. That will not happen with us here at Palmer Insurance. We do not charge and Broker Fees Or service fees. We could if we wanted to but have chosen not to as many times this is where we find we are able to truly save our clients’ money.
These fees add up over time and I have seen people pay hundreds in these fees. It makes me sick and that is and experience you will not have with us here at Palmer.
So what do we take from this? Don’t search cheap insurance Santa Ana, but how about Inexpensive Insurance Santa Ana?
So the holidays are here and we are all looking to save money in any way we can. Go ahead and keep that Disney Plus account and don’t cancel the Netflix. The best thing you can do is call us for an Auto insurance quote especially if you are near Santa Ana. Our office is located conveniently on the corner of 1st and Broadway right next to downtown. We are here and open though the holiday season (minus Christmas Day and New Year’s) to help you save money and hopefully increase your insurance coverage as well.
Often time’s people don’t realize that for the same amount that they are paying now often times you can have double or triple the coverage you may have now. If raising your coverage is not your priority and you are primarily looking to save money then often times we can keep your auto insurance coverage the same and lower your rate. You will never know unless you call or drop us a message.
Also the New Year is the best time to review your commercial insurance. So if you are looking for Business Insurance near Santa Ana we are here to provide you with the best company and price to fit your current need. Just yesterday we were able to lower the rate of a landscaping company that had 3 heavy trucks over $3000 a year and we were able to match his existing coverage.
Now only did we save him thousands but we were also able to get him signed up for a Business insurance liability policy so now not only are his cars covered but his work is now covered also. In his situation its ideal as often times he is trimming trees and if one of those branches falls on someone or on the house those damages would now be covered under this plan. He came in for a business insurance quote and we were able to lower his bottom line and he now has the coverage a company like his truly needs.
So if you are looking for some auto insurance quotes near Santa Ana or business insurance we are the people to see. We will not try to “sell” you. This is not how we operate. But if we can save you some real money or maybe up your coverage from what you have now we are here
We often get asked what generates an insurance rate. There are a few obvious factors like the type of car you drive and if you have any tickets or accidents on your driving record. But one factor that is often overlooked is the aria you live in.
For Example if you are looking for Car Insurance near Santa Ana where our office is located you will have a better rate than nearly everyone that lives in LA County where insurance is just more expensive across the board. Now on the contrary if you are in certain zip codes in south orange county often times it will be even cheaper as there may be less accidents in that zip code.
Often someone who is looking for an Auto Insurance quote in Santa Ana many will find that their rates are much cheaper then places like Newport Beach as there may be more accident in a city with a higher population density like Santa Ana. The value of the overall vehicles in Newport Beach will be high therefor when an accident occurs the claim will be higher.
So not only will you often see better rates in locations with lower overall car values but we have seen that for overall premiums there is many Cheap Insurance choices in Santa Ana
There was a good article going over the facts of the new tax plan that where announced this morning. I have attached the key points that would affect our clients and also removed any statement that seems biased. I just wanted to present the facts so here they are.
The House bill consolidates those into four brackets: There are seven federal income tax brackets in today’s code 12% (on the first $45,000 of taxable income for individuals; $90,000 for married couples filing jointly) 25% (starts at $45,000 for individuals; $90,000 for married couples) 35% (starts at $200,000 for individuals; $260,000 for married couples) 39.6% (starts at $500,000 for individuals; $1 million for married couples)
Nearly doubles the standard deduction: The bill raises today’s standard deduction for singles to $12,000 from $6,350 currently;
and it raises it for married couples filing jointly to $24,000 from $12,700. That would drastically reduce the number of people who
opt to itemize their deductions, since the only reason to do so is if your individual deductions combined exceed the standard deduction amount.
Eliminates personal exemptions: Today you’re allowed to claim a $4,050 personal exemption for yourself, your spouse and each of your dependents. The House bill eliminates that option.
Expands tax credits for families: The bill would increase the child tax credit to $1,600, up from $1,000, for any child under 17.
The bill would also create a new $300 tax credit for “each parent and non-child dependents,” according to a summary document from House Republicans. Together with the child tax credit, they will be called the Family Credit.
Repeals state and local tax deductions, but preserves property tax break: The original GOP proposal was to fully repeal the state and local tax deduction, which lets filers deduct their property taxes as well as their state and local income or sales taxes. But it was met with strong opposition from lawmakers in high-tax states and cities. The House bill restores an itemized property tax deduction for property taxes up to $10,000.
Limits deductible mortgage interest: The bill preserves the mortgage deduction as currently structured for existing mortgages. But it curbs it for mortgages on newly purchased homes going forward. You would only be able to claim a deduction for interest you pay on mortgage debt up to $500,000, down from $1 million today.
Although i could write pages and pages on each of these topics, i feel this is a good summary. If you would like to know how these particular changes can affect you directly please contact us and i would be happy to look at your return and let you know if you will be helped or hurt by this plan as it is stated.
Find original article @ money.cnn.com/2017/11/02/news/economy/house-tax-reform-bill-individuals/index.html
That right everyone, Summer is almost here! And this summer Palmer Insurance is having some amazing promotions. I’m gonna keep this short because exaggeration is not necessary. Call, come in, or go to Palmerincometax.com, Get a quote on any insurance product, and you get entered in to a raffle for a brand new Ipad! That’s it. No need to buy anything, just spend a couple minuets of your time, enter to win an Ipad, and maybe save some money on your insurance. The raffle will be held on September 22, the last day of summer
If that was not good enough, for every new client you refer to our office not only will you get a raffle ticket but also a $10 Gas Card when they purchase the policy!!! I mean come on, does it get any easier than that? You friends and family save money and are now with an honest agent who cares, and you get $10 in gas. Win win right?
So call or click today and get your name in the raffle!