San Diego Auto Insurance

There are so many insurance commercials out today it’s hard to know who to trust. Advanced Brokers Insurance can help be your local resource for all your Insurance concerns. When you are shopping around for your Auto Insurance for example, there are a few things you should really look out for. The first thing you want to consider is the Limits of Liability on your policy, the higher the better! Your Liability is what will protect your assets against lawsuits that might arise out of any “At Fault Accidents”.  Depending on the amount of damage caused, there could be a defecit between your Liability Limits on your Auto policy and the actual amount of the loss. This could mean that you are on the hook for the rest, and this could cost you any assets you might own. Another thing to consider is having higher limits on Uninsured Motorist coverage. Let’s face it, there are plenty of people driving around out there with out any Insurance. It is your job to protect yourself and and your passengers from these drivers. Uninsured Motorist will pay for Medical expenses incurred if you are involved in an accident with an Uninsured driver. This will also cover you if the driver doesn’t have enough Insurance to cover your medical expenses. Your Uninsured Motorist will kick in to cover the difference up to your coverage limits. Again, the higher the limits the better! Call us at 858-436-7999 and we would be happy to answer any questions you might have.

Affordable Health Insurance San Diego

How do you know what Health Insurance plan is the best for you and your family? When you do find the right plan, how do you keep it affordable? These are some common questions you might ask when you are shopping for Health Insurance. If you or a family member are “frequent flyers” to the doctor’s office than you might want to consider an HMO (Health Maintenance Organization) plan. This could be quite a transition if there is a particular doctor you are used to seeing on your current PPO plan. If you don’t have a doctor you are absolutely set on, then an HMO might make sense. Most HMO plans only have an office visit co-pay whenever you see a doctor while PPO (Preferred Providers Organization) plans often have a Deductable and co-insurance to be met. Typically HMO plans have a smaller network of providers, however this is all relative because there are less people using HMO plans.

If you are someone that rarely goes to a Doctor’s office, than maybe a PPO with a higher deductable would work better for you. You will save on your monthly insurance payment and will only have to come out of pocket when you use it. PPO plans also include a much broader network of medical providers to choose from. Chances are, your Doctor is in the provider network for that plan. Advanced Brokers Insurance is here to answer all of your questions. Call or click today for more information.