Searching for Huntington Beach insurance quotes on your own can be as frustrating as sharing the surf and shore with the surplus of tourists in town. With NetQuote you can avoid filling out an abundance of repetitive questionnaires and being buttered up by fast-talking sales reps. But before you fill out our online form, take a look at a few common types of Huntington Beach insurance quotes.
Common Insurance Types
When it comes to auto insurance, Californians are on par with the U.S. average. According to the Insurance Information Institute (I.I.I.), residents of The Golden State paid an average of $800 for auto insurance in 2007, only $5 more than the U.S. average. But for some, this price just won't cut it. Take a peek at your current coverage and make certain you're getting all the discounts available to you. For instance, if your car is outfitted with an audible warning device, tracking device or kill switch, make sure your insurance provider has deducted your premium. Your Huntington Beach insurance quotes will be more expensive if you have a tainted driving record, but if it's been more than three years since your last traffic violation your rate should be reduced.
Homeowners insurance coverage cost Californians an average of $925 in 2007, according to the I.I.I. But it's highly probable you're paying more for this coverage seeing as the median value of an owner-occupied home in Surf City was $747,900 between 2006 and 2008 as reported by the U.S. Census Bureau. However, the more your house is worth the more you will pay out of pocket to rebuild it if it is destroyed and you lack homeowners insurance coverage. Be sure your insurance provider is aware of any improvements you make to your home such as a home security system or a roof made of quality weather-resistant material as you might receive a reduced premium.
Five percent of Huntington Beach residents worked from home between 2006 and 2008, the U.S. Census Bureau reported. These professionals may presume their business has insurance protection, but if they believe this security comes in the form of their homeowners insurance plan, they could be wrong. Most homeowners insurance policies only cover a maximum of $2,500 for business equipment in the home and $250 away from the premises, the I.I.I. reports. Assess the value of your business property including your paperwork to estimate your needed coverage. If $2,500 wouldn't cover the cost of replacing your equipment you should talk to your Huntington Beach insurance agent about adding an endorsement to your homeowners policy or purchase separate in-home business insurance or a business owner's package policy.
Suit up and Search
Discovering you've been paying too much for Huntington Beach insurance can leave you feeling as bitter cold as hitting the waves without a wetsuit. To find out, use NetQuote's free service. By filling out a simple questionnaire we can match you with several insurance providers that suit your needs. When your Huntington Beach insurance quotes come back you could discover your current provider comes out on top, but are you willing to take that risk? There is no obligation with NetQuote's services so what do you have to lose?