Denise Bishop Insurance Agency

I am certified with Covered California! That means I can help you with the upcoming health insurance requirements from Obamacare. We might not all agree with it but it is real and I want to help my friends and family get the right coverage. Note: If you want coverage to start by 1/1/14 then you need to sign up by 12/15/13. Contact me at [email protected] or call (805)217-9921.

When Can I Drop Collision Coverage? Is your car aging and depreciating. Is it time to cancel your collision coverage? How do you decide? Accidents happen. In fact, the U.S. Census Bureau recorded 10.8 million car accidents in 2009. Purchasing car insurance protects you from needless risk. Auto policies are composed of two key components: liability and collision. Both types protect you in different ways. ... Some states mandate comprehensive liability, which covers bodily injury and property damage. Collision can be optional coverage (depending on what any lien holder might require). If you have an accident with another vehicle or object or your vehicle overturns, your collision coverage will pay for the covered damage to your vehicle. The maximum amount received is the actual cash value of your vehicle minus your deductible. Is your car aging and depreciating? Is it time to cancel your collision coverage? How do you decide? The Simple Dollar suggests you consider these points and more. Your Vehicle’s Value If you drive a vehicle that is only worth a few thousand dollars or less, it might make sense to pay for any accident damage out of pocket instead of paying your insurer. For expensive vehicles with values over $5,000 or $10,000, it is a good idea to pay for collision coverage. If you have a loan on your vehicle, many lenders will require you have collision coverage on your auto policy. Over the course of four or five years (or less), you might end up paying your insurer more than your vehicle’s value. Do not cancel collision coverage without consulting your independent insurance agent. As a licensed professional, your local agent can help you make the best choice for your individual situation. The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.

I now have access to offer insurance with multiple companies. Contact me today for a free coverage comparison on any of your personal or business insurance policies. I can compare with Mercury, Hartford, Travelers, Safeco, Allied, MetLife and many more. Denise Bishop License #0C92552 Phone (805)217-9921 or email [email protected]

I am so excited for this opportunity to offer my clients options for insurance. Lets get started today!! I am here to help, please call or email me today! Thanks you, Denise Bishop