Whether you're a high-powered, high-tech executive working at AMD, a homemaker living in Lakewood Village, or an owner of commercial property on Washington Avenue, you recognize the inherent risks of California living. You crave quality Sunnyvale insurance quotes. FBI reports may have ranked Sunnyvale as one of the safest cities in the US. But accidents can and do happen here in the Santa Clara Valley. Traffic congestion, pollution, and accidents on the 280, the 101, and State Route 82 lead to millions of dollars of damage a year and countless amounts of frustration and anxiety.
Yes, all told, it's probably safer to live in Sunnyvale than it is to live in say, downtown Oakland. But you must find a way to reconcile the risks of life and business effectively – without buying extraneous coverage or paying too much for good Sunnyvale insurance. This article will aim to explain the basics about how carriers develop risk calculations.
Homeowners, Auto and Beyond: Sunnyvale Insurance Concerns
Homeowners Insurance — Californians have it tough when it comes to homeowners insurance. The average HO-3 policy in 2007 cost $925, according to the National Association of Insurance Commissioners — $103 more than what the average US HO-3 policy cost. You can fight back against these numbers, though. Save up to 35% by shopping around for policies, seeking out discounts, reducing risk factors associated with your house, and tailoring your policy. For instance, raise your deductible. (A deductible, if you remember, is the amount of money you pay out of pocket on a claim before your insurance company kicks in to help out. So if you have a $250 deductible on homeowner's policy, you'd be responsible for first $250 of any claim, whether it would be for a busted front window or a toxic mold infestation.)
By boosting your deductible to $1,000 instead of $250, you could save up to 24%. Raise the ceiling to $5,000, and you could save up to 37%. Of course, if you go the high deductible route, be sure to have capital at the ready to pay for ticky-tack damages. Otherwise you may find yourself scrambling to pull together cash to make urgent last minute improvement/repairs.
The same "higher deductible yields a lower premium" theme can inform your quest for Sunnyvale insurance quotes for auto, life, business, and health. Remember, it all boils down to risk. Insurance companies are businesses. They want to take in more money via premiums and fees than they pay out in benefits. To that end, the less risky you appear to insurers, the better deal you'll likely get.
Leveraging Sunnyvale Insurance Quotes to ID the Best Policy
No matter how carefully you parse discount opportunities and reduce your potential risk to insurers, you need Sunnyvale insurance quotes to fuel your search. To that end, use the free online service of NetQuote to collect at least five quotes from trustworthy carriers. Rather than fill out multiple questionnaires (each of which can run to 110 questions or longer), fill out one questionnaire on our site and get multiple quotes. The math is simple. You need not be a brilliant Nokia engineer to make the calculation. NetQuote is a smarter, faster way to shop.