Personal Insurance Agent Aliso Viejo, California

Do You Have a Personal Insurance Agent?

Personal Insurance Agent Aliso Viejo, CaliforniaWhen it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your insurance policy. When you have to call an 800 number to ask a question about your policy or make a claim, sometimes you may feel like you aren’t receiving a personal touch.

As a local insurance agency, we want to share the benefits of having a personal insurance agent when it comes to purchasing insurance.

Do you have a professional insurance agent you trust?

Just like having a doctor or dentist, we want to be a professional you can trust when it comes to buying insurance. Insurance can be tricky and difficult to understand. We are here to explain the differences in insurance coverage to ensure you have the right coverage for your specific needs.

Have a quick insurance question? Email or call your agent directly.

We love answering all your insurance questions. We get questions all the time from our customers.

  • Do I need to buy rental car insurance for my upcoming vacation or will my personal auto insurance cover me?
  • I am renting a U-haul, do I need to buy their coverage?
  • Do I have any gaps in my insurance coverage?
  • I just purchased a boat, does my homeowner’s insurance cover me or do I need additional insurance coverage?
  • Should I purchase flood or earthquake insurance?
  • Should I increase my limits on my umbrella insurance? I just purchased my first investment property.

Questions like the ones listed above are easily answered from our agents! We are here to answer all your questions. With a simple email or call, you can get an answer from your insurance agent directly.

My insurance premium increased significantly and I haven’t turned in any claims. Help!

If you purchase insurance from a well-known insurance company directly, it may be hard to find a better rate at renewal without having to sacrifice insurance coverage. Luckily, local, independent insurance agents represent several companies instead of just one. If you find your insurance premium is too high for your budget, reach out to your agent at renewal. We can shop similar coverage with a different insurance carrier. You might be surprised to find several quotes to choose from!

If you don’t have a personal insurance agent, reach out to our agency. We’d love to review your current insurance coverage, answer your questions or simply be the personal, professional agent you need in your life. Our agency can help you with all your auto, home, or business insurance needs.

Telematics Auto Insurance Discount Aliso Viejo, CA

Looking for an Auto Insurance Discount? Consider Telematics.

Telematics Auto Insurance Discount Aliso Viejo, CA Many insurance carriers offer telematics for an auto insurance discount. If you are seeking out additional auto insurance discounts to lower your monthly or annual premium, talk to your insurance agent to see if your carrier offers telematics. Many carriers do!

How does telematics work?

A telematics device monitors how you drive a vehicle. Your insurance carrier mails you a vehicle tracking device, you insert it into your vehicle’s onboard diagnostic port under your dash and then it monitors how you drive for an extended amount of time. Once it is setup, it runs all on its own until it is time for you to return it back to your insurance carrier.

The telematics device determines how safe of a driver you are based on measuring your speed, how hard you brake when stopping your vehicle and how many miles you drive. It also looks into what time of day you drive. It is important to note that not all insurance carriers follow the same guidelines or look at the same data.

Curious to see how safe you drive? Talk to your insurance agent to see if your carrier provides a driving report. The telematics device can show a detailed report of your driving habits that can help you become more aware of your driving behaviors. By reviewing this information, it can help you become aware of your current driving habits and if you are currently considered a safe driver.

Once you have completed the timeframe of using the telematics device, you’ll mail it back to your insurance carrier and they will review it.

If my insurance carrier offer telematics, should I do it?

It’s up to you! Not only do you receive a discount for participating, but your insurance carrier may continue to provide discounts in the future for being a safe driver. Some carriers also give you a discount every 6-12 months for being claims-free. This could be rewarded with a mailed check or a discount at renewal.

Talk to your agent about telematics or receive a free auto insurance policy review.

As your insurance agent, we want to ensure you have the best auto insurance coverage for your needs. If you are unhappy with your current premium rate, we can shop our carriers for additional discounts like telematics or simply quote you with other carriers. Don’t hesitate to reach out to us.

Renters Insurance in Aliso Viejo, California

Do Millennials Need Renters Insurance? Learn The Benefits.

Do Millennials Need Renters Insurance? Learn The Benefits.

Renters Insurance in Aliso Viejo, CaliforniaIf you are a millennial, there is a good chance you rent a home, apartment or condo. According to surveys, up to 70% of millennial renters do not have renters insurance. This is an alarming statistic. Whether you are a young professional or finishing up your college degree, every renter should have a renters insurance policy.

Simple reasons millennials choose not to buy renters insurance –

“I am secure enough from potential damages”

Is this true? If your apartment, condo or home was in a fire and you lost all your valuables, would you feel financially secure enough to replace everything?

“I don’t see the value in renters insurance?”

Instead of it being a value issue, some millennials may not fully understand what renters insurance actually covers. So, we thought it would be good to break down exactly how renters insurance works (see below).

Another common thought, “if my apartment, home or condo is damaged in a fire, flood, etc., my landlord covers the damages?”

Your landlord most likely would not be required to cover damages to any of your personal belongings.

What Renters Insurance Covers

Renters insurance covers your personal property: Items that you own from your furniture, clothing, computer, kitchen items and more.

Renters insurance provides you with liability coverage: Coverage limits vary, but if you someone were to injure themselves in your home, you would have protection. Other common examples include your dog bites your friend or a friend falls in your kitchen and breaks her wrist because you left water on the floor.

Renters insurance may cover the cost of temporary housing. If your home, apartment or condo has major damage that prevents you from being able to live there, renters insurance may cover the cost of a hotel room.

Did you also know that renters insurance is very affordable?

Renters insurance can be as cheap as $1/day. While most renters insurance policies provide $100,000 in liability coverage, you can increase this limit. Talk to your insurance agent about how a bump in liability coverage can provide additional protection at a very affordable price.

Speak with an agent in our office today!

Whether you are renting an apartment, condo or home, there are many benefits of having a renters insurance policy. Contact our agency with your questions! We represent the top insurance carriers and can quote you with all our carriers at once for renters insurance. We’ll explain your options and show you a side by side comparison of coverage options. Get your free quote over the phone or email.

Coastal Oak Insurance Blog-Commercial Auto Insurance

Commercial Auto Insurance 101

Commercial Auto Insurance 101

Coastal Oak Insurance Blog-Commercial Auto InsuranceBusinesses across the country rely on vehicles to keep operations flowing. No matter the type of vehicle, this essential business equipment represents a significant investment on the part of business owners. Whether your clients operate machinery, delivery vans, passenger cars, or trucks, protecting that investment is critical. Commercial auto insurance is designed to provide robust coverage against a wide range of operational and liability risks. Here is the information you need to know about commercial auto insurance – designed to help your clients select the right policies and features to fit their needs.

The Purpose of Commercial Auto Insurance

If you drive on American roadways, you know that auto insurance is required to operate a vehicle. The same applies to most business owners who use vehicles as part of their operations. Commercial auto insurance is a type of policy expressly designed for commercial operation of vehicles for business purposes. These policies will be familiar to most, as they are often quite similar to the auto insurance policies private vehicle owners must obtain. There are critical differences, however, and many commercial auto policies include additions and endorsements for business vehicle owners. Because of the coverage, a commercial auto insurance policy serves as the foundational element of risk management for business owners with a single vehicle or a fleet of vehicles.

Primary Coverages for Commercial Auto Policies

Available to business owners who use cars, vans, or trucks as part of their operations, commercial auto insurance policies are characterized by four primary coverage areas. These coverages include:

  • Liability Coverage – this aspect covers business owners against expenses – including legal costs in lawsuits — related to property damage caused by the owner or his/her employees.
  • Collision coverage – helps to pay for repair or replacement of vehicles damaged or lost in collisions with other vehicles or objects.
  • Bodily injury coverage – covers the medical expenses associated with a vehicle collision, particularly for the driver and passengers of a commercial vehicle.
  • Comprehensive coverage – provides reimbursement for repairs/replacement of vehicles involved in a collision, regardless of who is at fault.

These four coverages provide a robust blanket of insurance protection for business owners. Business owners with commercially-operated vehicles often experience risks that private vehicle owners do not; this fact alone means that a commercial auto insurance policy is an essential component to protect business interests and assets.

Specialized Coverages in Commercial Auto Insurance Policies

Companies use vehicles in many different ways as part of business operations. One business may operate a fleet of vans or delivery trucks, while others operate heavy equipment, executive passenger cars, or tractor-trailers. Because every business is different, commercial auto insurance policies are designed to be flexible, providing the coverage that is needed to protect vehicle assets. Specialized coverages are available for business owners, including:

  • Hired and non-owned auto coverage – some businesses require their employees to use their own vehicles for business purposes. Others may lease vehicles from a third-party vendor. Even though the business does not own the vehicles, they may be held liable if involved in a collision. Hired and non-owned insurance is designed to provide liability protection for these businesses.
  • Trailer interchange coverage – freight companies often lease trailers for use. This type of insurance coverage provides protection for the trailers even though they are owned by other business entities.
  • Equipment coverage – certain equipment is essential for business operations and includes forklifts, tractors, cranes, and trucks. This additional equipment needs protection just like any commercial vehicle.
  • Rental reimbursement coverage – if a company vehicle is damaged or destroyed in a collision, a temporary replacement may be needed. This coverage provides reimbursement costs for vehicle rentals while the damaged vehicle is repaired or replaced.

Valuable Protection, Valuable Benefits

Commercial auto insurance is a vital part of risk management for business owners who own and/or use vehicles in their operations. These policies provide coverage against a broad range of risks. This is not their only benefit; a commercial auto policy includes benefits like:

  • Tax savings – policy premiums for commercial auto insurance policies may be tax-deductible.
  • Improved flexibility – these policies can be adapted to the specific needs and risk exposures of business owners who use vehicles as part of their operations.
  • Higher coverage limits – commercial vehicles often represent significant business investments. Because of this, commercial auto insurance policies typically have higher coverage limits to protect expensive vehicles and equipment.

Commercial auto policies are not only required to operate vehicles for business, but they can also provide robust protection and benefits for business owners.

About Coastal Oak Insurance Services

At Coastal Oak Insurance Services, we strive to protect your personal and business assets from coast to coast. When you work with us, you’re family. Contact us today at (949) 519-3738 to learn more about how we can provide you with comprehensive and tailored insurance coverage.

Coastal Oak Insurance - General Liability Insurance for Construction

How Much is General Liability Insurance for Construction Companies?

How Much is General Liability Insurance for Construction Companies?

Coastal Oak Insurance - General Liability Insurance for ConstructionIn the state of California, thousands of construction projects are taking place. The state is seeing significant growth in building development, with contractors and subcontractors stimulating the economy post-pandemic. Construction companies face significant and varied risks in their operations, necessitating the protection of CA contractor insurance. Of the contractor insurance products available, general liability insurance (GL!) is a foundational coverage option. How much is GLI for construction companies, and what do these policies cover? In this guide, we will explore CA contractor insurance to help answer those questions.

General Liability Insurance for Contractors

General liability insurance (GLI) is used by many industries as the backbone of a more comprehensive risk management program. Construction companies, in particular, rely on the robust protections afforded by this insurance. GLI is only one of several policy types available in the broader CA contractor insurance family. Other types of insurance include:

  • Commercial Auto/Business Vehicle Insurance
  • Contractor License Bonds/Surety Bonds
  • Workers’ Compensation Insurance
  • Pollution Liability Insurance
  • Umbrella or Excess Insurance
  • Professional Liability Insurance


GLI policies are the most familiar to many contractors. These policies are designed to provide robust protection against common liability exposures like property damage, injuries on the construction site, and even reputational harm or advertising injury. Sometimes referred to as a contractors general liability policy, this insurance also typically covers legal expenses associated with third-party claims against the company.

Is CA Contractor Insurance Required?

In the state of California, contractors are not required to obtain general liability insurance to maintain business licensure. Other states may require this, however. More importantly, contractors in California may be required to carry a GLI policy as part of a contractual agreement with another entity, such as a municipal government, private organization, or individual. Contractors must provide proof of insurance with a Certificate of Coverage, in order to win building contracts.

Although there are no government requirements for GLI, except in certain cases, CA contractor insurance is a vital part of risk management for construction companies. Without this insurance, a contractor may face out of pocket expenses if a person were to be injured on a construction site or if property were damaged. Facing these potential expenses, the cost of CA contractor insurance serves to provide peace of mind, protecting businesses from financial losses associated with third-party claims.

About Coastal Oak Insurance Services

At Coastal Oak Insurance Services, we strive to protect your personal and business assets from coast to coast. When you work with us, you’re family. Contact us today at (949) 519-3738 to learn more about how we can provide you with comprehensive and tailored insurance coverage.

Coastal Oak Insurance Blog-Subcontractors

Are Subcontractors Covered Under Contractors Insurance?

Are Subcontractors Covered Under Contractors Insurance?

Coastal Oak Insurance Blog-SubcontractorsThe construction industry faces numerous risks as it undertakes building projects. From worker injuries to issues with materials, equipment, and permitting, insurance coverage is critical in protecting contractor assets. Contractor insurance goes a long way toward providing this coverage. When subcontractors are used to facilitate building projects, are they covered under contractor policies? In this guide, we will explore the essential details of CA contractor insurance, highlighting the benefits and limitations of this important coverage in terms of subcontractors.

The Role of Subcontractors

In the construction industry, many different groups come together to complete building projects. Typically, a project starts with a contractor, or the construction company that wins a contract to build a structure. Some contracting firms are capable of doing every aspect of the construction project, from design to infrastructure and finish work. Many others employ subcontractors, or companies that specialize in certain aspects of the construction process. Subcontractors formwork agreements with the primary contractor directly and not with the building or property owner. Subcontractors are often responsible for construction components like:

  • Plumbing
  • Electrical
  • Landscaping
  • Security
  • Paving
  • Roofing

As the construction industry grows, the role of subcontractors in getting projects completed cannot be overstated. Contractors and subcontractors are integral parts of the building process.

Contractor Insurance: Does it Cover Subcontractors?

Contractor insurance can take many forms. In the state of California, CA contractor insurance may include policies like:

  • Commercial General Liability
  • Commercial Auto
  • Contractors Indemnity
  • Professional Liability
  • Builders Risk

This insurance is typically required to do business within a state and is the foundational element of risk management in the building trades. This important insurance does not always cover subcontractors, however.

For contractors, subcontractors are only covered under a CGL policy if that policy has specific coverage endorsements. Without this endorsement, any injuries or property damage that occur from or during the subcontracting work may be the responsibility of the contractor, who has formed an agreement with the subcontractor. In other words, without the right coverage or endorsements, contractors may be on the hook for expensive liabilities.

It is critical that contractors examine their existing CA contractors insurance thoroughly. Many CGL policies specifically exclude coverage for subcontracting work. The contractors policy protects the contracting company, its employees, and its equipment. Anyone not on the contractor’s payroll is typically not covered without a subcontractor add-on or endorsement. Failure to adequately protect the contractor’s own interests may result in expensive legal exposures, not to mention the costs associated with a workplace injury or property loss.

Protecting Against Liability Risks

Contractors face difficult choices when it comes to using subcontractors for specialized building services. Since most CGL policies, including many CA contractor insurance policies, do not cover injuries or property damage/loss incurred by subcontractors, what can contractors do to protect themselves and their business assets?

There are two solutions used in the building trades. First, a contractor’s general liability policy may be added to with a subcontractor endorsement. This can raise premium costs, but it results in broader protection against risks. The second – and better – solution is to require the subcontractor to obtain their own insurance policy. Before signing a contract, a contractor must ensure that the policy is in force and that the contractor is named as an additional insured on the policy. Contractors must obtain proof of insurance from any subcontractors before conducting operations. CA contractor insurance provides robust coverage for a contractor’s own employees and assets. By taking the extra step of getting a subcontractor endorsement or requiring subs to carry their own liability insurance policies, the contractor gains more complete coverage against expected and unforeseen risks.

About Coastal Oak Insurance Services

At Coastal Oak Insurance Services, we strive to protect your personal and business assets from coast to coast. When you work with us, you’re family. Contact us today at (949) 519-3738 to learn more about how we can provide you with comprehensive and tailored insurance coverage.

Social Title: Contractor Insurance: Are Subcontractors Covered?

Social Description: In the construction industry, subcontractors may pose insurance challenges that necessitate a hard look at insurance coverages.

Vacation Home Insurance in Aliso Viejo, California

What You Need to Know About Vacation Home Insurance

What You Need to Know About Vacation Home Insurance

Vacation Home Insurance in Aliso Viejo, CaliforniaWhen it comes to insuring a vacation home, the insurance landscape can look slightly different from that of primary homes. While the risks are relatively similar, you’ll find that some added perils come with vacation homes. These risks vary with how you intend to use your second home. 

Personal Use
If a vacation home is often left vacant for long periods, the chances of burglary, vandalism, and unnoticed damage may rise considerably. Moreover, the house’s location can expose it to further damages such as flooding, fires, or wind damage, which may not be attended to in due time considering the vacant status of the house. Insurance providers take all of this into consideration when determining your policy premium. You’ll likely be offered a comprehensive insurance policy in order to cover all risks adequately. Be sure to clarify whether you intend to keep the house vacant for extended periods or visit regularly. Vacant home insurance and vacation home insurance, while similar, are not the same.

Intentions of renting
If you’re considering renting your vacation home or allowing others to stay in it, your policy will look different. Aside from protecting your second home structure, it’s a good idea to ensure that you have enough personal liability coverage. An Umbrella insurance policy can cover any claims against you due to injury or damages that occurred on the property. Be sure to look into liability coverage, which covers any personal injuries sustained by someone while they’re on the property. This policy could also include medical payments coverage. 

Moreover, rent-loss insurance could be a worthwhile investment considering that it covers any financial losses amassed during times when rent cannot be paid (damages, natural disasters, and much more.) It is also worth looking into a landlord policy, which can cover you for damages while even replacing lost income if the property is being rebuilt or repaired following a covered loss. 

Do I really need to insure my vacation home?
While not strictly necessary, it’s highly recommended to get coverage for your secondary-home. Damages to a vacation home, whether first or second-party, can be financially crippling.  Additionally, if your vacation home has a mortgage, your lender may require property insurance as a condition of borrowing. 

How much will my insurance policy cost?
Depending on several factors such as the home’s age, condition, and location, the amount you’ll pay for a homeowners insurance policy can fluctuate. However, overall, expect to pay higher than with regular home insurance.

The best way to get more information on vacation home insurance is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Get A Quote For Your Insurance Today

Our licensed staff is ready to help you get multiple vacation home insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price. 

Staying Healthy on the Road

Tips For Staying Healthy While On The Road

How to Cook Healthy Meals On A Road Trip

Staying Healthy on the RoadDid you purchase an RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in an RV, travel trailer, or simply went camping more in order to safely travel & enjoy the beautiful outdoors. When you are taking a road trip, you do have to figure out how you plan to eat. Fast food and takeout from restaurants may be your first thought.

Have you ever considered that you can eat great home-cooked meals on the road that doesn’t require much cooking at all? Of course, you can always make a grocery store run & cook just as you would cook a meal at home. But, this might mean buying all of the little things like spices, oils, etc.

In this blog, we share how to eat healthy on the road without having to spend too much time cooking. Plus, you might find you can get away with packing less.

Our basic cooking essentials – do you own the following items?

  • Portable Stove
  • Small Gas Barbeque
  • Pot, Pan or both
  • Water jug container (for cooking and cleaning pots/pans)
  • Soap/Sponge (for cleaning pots/pans)
  • Utensils and Paper Plates
  • Garbage Bag
  • Lighter
  • Propane Tank + an extra
  • A good cooler (if you are on a long road trip, we love a cooler that can plug into your car!)
  • Ice Packs or Ice Bag

Having the following items above is a great start. They don’t take up too much space and provide you with everything you need to cook, eat & clean up afterwards.

Next, how can I prepare a delicious, healthy meal with minimal cooking?

Batch cook.

Batch cooking is simply preparing meals in your home before your trip. Choosing meals that freeze easily are key. Once you have cooked your meal at home, throw it into the freezer at least 24 hours before your trip. The day you are leaving for your trip, load it into your cooler frozen then layer on your ice packs to keep it cool. When it is time to cook, all you have to do is reheat it using your portable stove or barbeque.

Some great food suggestions –

  • Frozen cooked burgers (turkey, beef, or chicken)
  • Frozen Chili or other soup
  • Meat sauce/vegetable sauce
  • Frozen breakfast sausage links
  • Taco meat
  • Foil vegetables or entrees (prepare vegetables or entrees ahead of time & wrap in foil – simply place on your BBQ grill or unwrap and place into a pot or pan)
  • Frozen pizza slices

How to re-heat your meal? Either place your frozen burger on your barbeque or add your entrée into a pan or pot to re-heat on your portable stove. Within 10 minutes or so, you’ll have a tasty meal!

Other meals that don’t require much cooking –

  • Cold Sandwiches
  • Hot Dogs
  • Yogurt
  • Hard-Boiled Eggs
  • Snack foods like rice cakes, chips, pretzels, trail mix
  • Anything that requires boiled water such as oatmeal or noodles
  • Prepared meals you enjoy eating cold (tuna salad, other cold salads, and entrees)
  • Raw fruit and vegetables

We hope you found new tips that can help you eat healthy while traveling on the road. While we can’t prepare your meals for you, we can ensure you have the best coverage for your vehicle or RV. Whether you are shopping around for the best rate or are looking to purchase different RV coverage, we are here to help.

Commercial Auto Insurance

Everything Business Owners Need to Know About Commercial Auto Insurance

Commercial Auto Insurance Throughout the United States, business owners rely on vehicles for many purposes. Vehicles, whether they are passenger cars, delivery vans, cargo trucks, or specialized vehicles, are essential for service delivery. These vehicles also represent a significant investment. Protecting vehicles operated for business purposes is a critical component of risk management. For Southern California business owners, commercial auto insurance provides comprehensive protection for your business investments. In this guide, we will explore commercial auto insurance and how it can help you manage the risks associated with commercial vehicle operation.

What is Commercial Auto Insurance?

Most vehicle owners know that auto insurance is a requirement to operate on American roads. Business owners typically have the same requirements. For many business owners, vehicle operation is an intrinsic part of the business itself. Commercial auto insurance is a type of policy designed for commercial operation of motor vehicles, such as cars and trucks; in other words, it covers the vehicles used for business purposes. CA commercial auto insurance is very much like a standard auto policy, but often has specific and unique additions that make it a valuable risk management tool for business owners. 

The Basic Components of Commercial Auto Insurance

Commercial auto policies are available to business owners who use vehicles as part of their business operations. There are four basic coverages that align with the insurance available for the owners of privately-owned vehicles. These four coverages are:

  • Liability coverage – protects the business from property damaged caused by you and your employees. 
  • Bodily injury coverage – covers medical expenses for the driver and passengers of a commercially-operated vehicle. 
  • Collision coverage – pays for damage to your commercial vehicles resulting from collisions with other vehicles or objects. 
  • Comprehensive coverage – provides reimbursement for the costs associated with repairs or replacement of vehicles damaged in an accident regardless of who is at fault. 

The four coverage areas provide protection for a wide range of risks, but business owners face unique risks in their operations that drivers of personally-owned vehicles do not. These unique risks necessitate additional coverages provided by an OC commercial auto policy.

Additional Insurance Coverage Types for Commercial Vehicles

Many businesses require their employees to use their own vehicles as part of the company’s operation. This is typical of businesses that offer local delivery, such as restaurants. Unfortunately, most CA commercial auto insurance policies do not cover personal vehicles or those leased from third-party vendors. If an employee were to become involved in an accident at work, the business itself may still be held accountable even though the business is not the vehicle owner. To protect against this unusual risk exposure, a specialized policy known as hired and non-owned auto insurance is available. This policy is recommended for businesses where employees regularly drive their own vehicles for work purposes. 

Because every business is different and uses vehicles in different ways, additional coverages are available. Specialized commercial auto insurance policy coverages include:

  • Trailer interchange coverage – provides protection for trailers your company uses but that are owned by others.
  • Rental reimbursement coverage – if your company’s vehicles are damaged in a collision, this covers the costs associated with renting a temporary replacement while the vehicle is repaired. 
  • Equipment coverage – covers additional equipment used by your business, like forklifts and trailers. 

Your CA commercial auto insurance provider can help you pinpoint the exact coverage types and amounts you need to protect your business interests against liabilities. 

Benefits of Commercial Auto Insurance

To ensure the health of your business, managing risks is an important part of the picture. CA commercial auto insurance policies help to manage the risks associated with commercial vehicle operation. There are many other benefits of such insurance, including:

  • Higher coverage limits than personal policies, helping to provide protection for expensive vehicles and equipment.
  • Tax savings – most commercial auto insurance policy premiums are tax-deductible.
  • Flexibility in coverage, protecting specific employees or the entire employee roster. 

Your vehicles – cars, trucks, and cargo vans — are essential to your business. Protect your vehicle investment and your employees with the comprehensive coverage of a CA commercial auto insurance policy. 

About Coastal Oak Insurance Services 

At Coastal Oak Insurance Services, we strive to protect your personal and business assets from coast to coast. When you work with us, you’re family. Contact us today at (949) 519-3738 to learn more about how we can provide you with comprehensive and tailored insurance coverage.

Choosing the Right Insurance Company

Choosing the Right Insurance Company

How do I choose the right insurance company when there are so many to choose from?

Choosing the Right Insurance CompanyWith such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to shopping based solely on price or they rely on recommendations from friends and family to evaluate which insurance company to go with. But your decision should be based on more than just cost or a recommendation from a loved one. Let’s take a look at how you can choose the right insurance company for your needs without having to spend hours of research.


The results of consumer surveys are easy to find online and often offer more reliable information than individual online reviews. These surveys are generally in-depth inquiries into specific sectors of a market. Those responding to the survey will be asked several questions about their satisfaction with the insurance company and how much they pay for their various policies. You can even get insights on the best insurance company for specific issues such as claims satisfaction, availability of discounts, or customer service. Consumer survey results are available for many types of insurance including auto, home, health, and life.

Financial Stability

If an insurance company is weak financially, then there could be issues with paying incoming claims. That’s especially a concern if there’s a natural disaster and the company is hit with a large number of claims in a short amount of time. Financial stability ratings are available online and it’s worth doing some homework, especially if you’re considering going with a smaller or lesser-known insurance provider.

Payment Plans

Different insurance companies take a different approach to payments. It’s best to look for a company that offers multiple payment plans. Some of the more flexible insurance companies offer discounts for automatic withdrawals or paying the premium in full. Likewise, beware of companies that charge excessive fees with each monthly payment as those costs can add up over time.

Buying Online vs Purchasing From an Independent Agent 

There are many big-name insurance companies that saturate the media with advertisements and commercials touting how much you can save in very little time. But these companies are not always the best option. While you may see and hear a lot less about independent agents, they offer some unbeatable benefits. These insurance professionals will take the time to understand your personal insurance needs and offer advice on which insurance companies are best for you. Independent agents have access to multiple insurance companies and they can effectively shop around for a policy that matches precisely what you’re looking for.

The best way to get more information on the best insurance company for you is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Call Us Today For A Free Consultation

Our licensed staff is ready to help you get multiple insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.