Auto Insurance

How to save on auto insurance premium?

The premium of an auto insurance is decided based on the value of the vehicle, the cover signed up for and other factors. One can save on auto insurance by maintaining good driving records, increasing deductibles and opting for the right amount of coverage.

What does comprehensive auto insurance cover?

Comprehensive coverage is offered to protect customers from loss against factors other than a collision. These factors include fire, theft, natural disasters, riots and damage from animals.

What if the other vehicle which collides with my automobile does not have enough insurance?

By California State law all automobiles driven or parked within the State are required to have certain minimum liability insurance. Apart from this, a person can chose to include uninsured and under-insured cover in his policy in order to stay protected from financial loss during such undesirable events.

How expensive is auto insurance?

Auto insurance is relatively inexpensive, but it depends on your driving history and credit report. Visit our Protection Solutions Center to check Auto Insurance policy.

What is the affordable policy in auto insurance?

The most affordable policy is the auto liability. Though it is often recommended that you purchase more than this coverage type. Kindly visit our Protection Solutions Center for insurance services.

What Does Auto Insurance Cover?

There are several categories of auto insurance, each of which covers a different aspect of your risk as a driver. The coverage categories are:

  • Liability
  • Collision
  • Comprehensive Medical Expenses
  • Uninsured/Underinsured Motorist
  • Roadside Assistance
  • Rental Reimbursement

Can I pay for an auto insurance once a month or annually?

Yes, we leave this option to you. You may pay once in a month or annually. If you wish to pay annually then the premium amount will be reduced. For more queries kindly speak to our agent Sukhjinder Singh.

Life Insurance

What is the difference between cash-value insurance and term life insurance?

Term life insurance policies are pure life policies where the premium is completely dedicated for the protection of the life of the insured. The insured is protected during the term and the beneficiary gets death benefit on the policy holder's death during the term. Cash-value insurance combines death benefit with a cash component which gets saved or reinvested during the term. The policy holder can chose to take out returns from the fund of cash component at a later stage in life.

How to chose the right life insurance?

The choice of right life insurance depends on the requirement of the insured and the dependent family. There are various types of insurance policies which fit the needs of customers. The customer has to look at all the options and consult a good agent which helps him make a better decision.

Renter's Insurance

Is it mandatory to have renter's insurance?

The California state does not make it mandatory to hold renter's insurance. However, renter's chose to purchase insurance in order to stay protected from the loss that occurs from damage to personal belongings at home during a mishap and personal liability for damage caused to home property from the negligence of the renter.

What is the minimum limit for personal liability cover on renter's insurance?

The minimum limit for personal liability cover in a renter's insurance is $ 100,000.

Business Insurance

Is business insurance mandatory in California?

California Labor Code makes it mandatory to hold insurance to bear worker compensation benefits. Although other coverages are not mandatory they may be necessary based on the risk involved in the business.

My business is product based. What type of coverage do I have in business insurance for my business?

For product based business the commercial property insurance covers the assets. Apart from it, there is a product liability coverage to cover financial risk of loss in the legal court caused from defected products.

Commercial Auto Insurance

I run a business with different types of vehicles. Are there policies where I can cover all of them?

Since businesses can own different types of vehicles for their operational purpose, there are Business Auto Policies which helps owners to include different types of vehicles under one category and have single policy for them. There is a single limit for all vehicle under one category. This way the businessman can manage his commercial auto insurance policy easily.

Boat Insurance

What does boat insurance cover?

Boat insurance has features similar to auto insurance and home insurance. The owner of the boat can be covered against financial loss from damage caused to property of others. It can also include medical bills from injuries caused to others who are traveling in the boat. One should note that all these covers are applicable only when the boat is water.

I use the boat only during few seasons of a year. How can I cut-down on my premium?

There is an option under boat insurance called the lay-up period. This is the duration of the year when boat is not in use. Boat insurance providers cut-down on premium when lay-up period is specified during the purchase of policy.


Allstate Insurance Agent: S Singh, 12268 Perris Blvd, Moreno Valley, CA 92557

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