Allstate & State Farm Stop  Writing New Property Coverage In California

Allstate & State Farm Stop Writing New Property Coverage In California

Allstate, the state’s fourth-largest property and casualty insurance provider, and State Farm, the state’s largest provider, have stopped selling new home, condominium or commercial insurance policies in California. The insurance giants are the latest to say than they will no longer offer coverage in California, citing worsening climate and higher building costs that have made it harder to do business in the nation’s most-populous state. The moves by Allstate and State Farm may lead more home owners in the state to lean on the FAIR Plan, a state-offered “insurer of last resort” in high-risk fire areas.

California’s Department of Insurance says that the policy changes are related to factors “beyond our control, including climate change, reinsurance costs that have impacted the entire insurance industry, and global inflation.” Unfortunately, this issue is likely to spread to other carriers in much the same way as it has in the auto insurance market, so what do you need to know?

• Make your premium payments on time. There will no longer be a grace period for late payments and, more than likely, you will not be able to get the policy reinstated at the same price.
• Set your payments up on auto pay, with a few days cushion, to ensure there are no issues
• If your policy is already on auto pay, confirm that the payments are coming out of your account as expected.
• Expect your premium to increase with your renewal and know that there maybe a waiting period before your coverage goes into effect.
• Respond immediately to any requests from your insurance company, and call your agent if you have any questions or need clarification.

Posted by admin in Auto, Home
What In The World Is Going On With My Auto Insurance?!?!

What In The World Is Going On With My Auto Insurance?!?!

If you’ve received a renewal notice for your auto insurance, or tried to purchase a new policy, you may have noticed that options are extremely limited and the cost is through the roof. Here’s what you need to know:

1. The California Insurance Commissioner has approved more than $1 billion in premium increases at the state’s top six companies, which insure about 48% of California registered vehicles.

2. Many companies have temporarily stopped writing new business in California, while others are implementing paid in full requirements or hold times between when you purchase your policy and when your policy becomes active. These can run anywhere from 3 days to 10 days, and you must pay for this coverage in advance.

3. People are driving about as many miles as they were before the pandemic, but they’re doing so less safely and causing more accidents.

4. The cost of your premium is directly tied to the money your insurance company pays out when you file a claim. This includes parts and repairs, rental cars, medical bills. Because all of those sectors are experiencing price increases or supply chain issues that cost is going to be passed along to you.


This is one of those times where having an independent agent is a huge asset if you run into trouble, we’re here to help you in any way possible. In the meantime, we STRONGLY recommend that you do the following:

1. Make sure your current policy is on auto pay. If your policy cancels because of a late payment, even a single day, there will be consequences you may not have faced in the past. If we are able to reinstate the policy with the same company, the cost of your premium is going to go increase, sometimes by as much as double, in cost. Additionally, you will no longer be able to reinstate your coverage on the same day and will be subject to the same 3-14 day waiting period. If we need to place your policy with a new company you can expect the same thing, higher premiums and a waiting period before your policy becomes active. In all of these situations you will be required to pay some or all of the policy in advance.

2. Plan ahead. If you’re looking for a new car, know your policy expiration date is coming or aren’t going to be able to make your payment in time, get in touch with us as far in advance as possible by email or calling us at (760) 271-6651. The more we know about your situation the more helpful we can be.

3. Expect to pay more for new coverage and expect to pay a larger portion up front, at least for now. We’re here to help, but please understand that options are limited right now.

Posted by admin in Auto, Auto Insurance
7 Common Car Accidents and How to Help Avoid Them

7 Common Car Accidents and How to Help Avoid Them

Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on how to help avoid them:


Rear-end collisions are a common reason for auto insurance claims. Whether you are the driver who hits a vehicle in front of you, or the driver who gets hit by a vehicle behind you, these accidents can often be avoided. Consider these tips:
Keep your distance
Drive far enough behind the car in front of you so you can stop safely. This is especially true in inclement weather. Stay at least three seconds behind the vehicle ahead of you, and longer if you’re in a heavier vehicle. Extend the timing when weather conditions are bad.

Drive strategically
Avoid situations that could force you to suddenly use your brakes. If a driver is following you too closely or isn’t paying attention, you might be rear-ended.

Don’t get distracted
Never take your eyes off the road to eat, read a text message or find your phone. If the driver ahead of you stops suddenly, it only takes a second or less of not paying attention to rear-end their vehicle.

Don’t drive when drowsy or under the influence. You’re more likely to make driving errors when you’re sleepy or impaired by drugs or alcohol.


Another common cause of auto damage: having a parked vehicle hit by another car. Whether you’re leaving your car in a parking lot or on the road, take steps to help avoid parked car collisions and claims. Here are some suggestions:

Go the distance
Don’t park in the busiest part of a parking lot. Instead, select a space away from heavy traffic. You’ll help reduce your chance of getting hit by another car.

Maximize the space
Always park in the center of a spot. Reposition your vehicle if it’s too close to a parking line. It will help keep your car from being hit by others pulling in to or out of adjacent spots. It can also help prevent dings from swinging doors.

Park in a garage, if you can
The idea is to put your car in a safe place when you’re not driving it.
Park street-smart. Try not to park near busy intersections, tight turns and driveways. Other drivers may not see your vehicle and could side-swipe it when passing by.


Single-vehicle losses include collisions with road barriers, debris or animals, in addition to rollovers and accidents when driving off-road. It’s not hard to help prevent them.

Drive right for the weather
Even if yours is the only vehicle on the road on a rainy, snowy or icy day, drive at speeds that allow you to maintain control. Learn how to avoid hydroplaning on flooded roads and refresh your winter driving skills before the season begins.

Always pay attention
Just because you’re the only person on the road doesn’t mean it’s okay to text, make hands-on phone calls or eat while driving. You never know when conditions might change.

Don’t drive too fast
Speeding has been involved in approximately one-third of all motor vehicle fatalities for more than two decades.1 Simply put, speeding is dangerous, even if there is no one else around you.


Chips and cracks to vehicle windshields are a common auto accident that many drivers don’t realize they can help prevent. Most windshield damage happens when rocks and stones are thrown up in the air by other vehicles. Help prevent this damage by keeping your distance from cars and trucks.

Also, don’t drive behind snow plows when they’re dropping salt or other granular substances. Some pieces are large enough to cause chips and cracks.


Intersections are another place where accidents frequently occur. Distracted drivers may miss traffic signals changing from green to yellow to red. Or they don’t notice vehicles pausing before making turns.

Practice defensive driving to help avoid accidents. Take a moment after the light turns green to make sure no one is coming through the intersection. Look out for drivers speeding to make it through a yellow light on a cross street. When you’re approaching a yellow light, be cautious rather than take chances.


No matter where you park your car, there’s always a chance of a break-in. Still, there are things you can do to help prevent potential unnecessary damage to your vehicle. Keep in mind that items stolen from your vehicle could be a loss that you file under your homeowners insurance coverage. Damage that occurs to your vehicle during a break-in would be filed under your auto insurance coverage.

Never leave valuables in a parked car. Having them in view is an invitation to thieves. Take expensive things with you, store them inside your glove compartment or lock them in the trunk.
Never park in dark locations. Instead, find spaces in well-lit areas. Plan ahead if you’re parking prior to sunset.


Whether you’re backing out of a parking spot or your driveway, accidents can happen.

The best thing you can do to avoid accidents when backing up is to avoid having to back up in the first place. When possible, park in a way where you won’t have to back up into traffic, such as pulling through or backing into a parking spot.

Another helpful tip: drive vehicles that have a backup camera. If your car doesn’t have one, you can have one installed.

If you drive a car that’s not equipped with a backup camera, here are some other suggestions of what you can do:
• Before getting into your vehicle, look around to assess your surroundings and traffic patterns.
• Back out using the shortest, most direct route possible.
• Reverse in a straight line, turning only when clear of parked vehicles or any other obstructions.
• Back out slowly while continuing to check traffic around you.
• Use your mirrors and brakes until you’re completely out of the spot and integrated into traffic.
• Never do anything distracting while backing out.
• While there are many things you can do to help prevent collisions, theft, injuries or damage to your vehicle, it’s not always possible to avoid the unexpected. Contact your local independent agent or a Travelers representative to make sure you have appropriate coverage to meet your needs.


Posted by admin in Auto
Distracted Driving

Distracted Driving

April is Distracted Driving Awareness Month. We are looking to raise awareness of the dangers of distracted driving and encourage motorists to reduce distractions behind the wheel. Generally speaking, distracted driving refers to any activity that may interfere with a driver’s attentiveness on the road, whether that entails changing the radio station or interacting with their smartphone.

A new Agency Forward study from Nationwide found drivers are practicing poor driving behavior despite fears of others driving dangerously. What’s worse, more than a third of drivers (34%) believe it is safe to hold your phone while driving.

Distracted driving poses major safety hazards and contributes to a significant number of accidents. In fact, more than 2,800 people are killed and 400,000 are injured in crashes involving a distracted driver each year—equating to approximately eight deaths and 1,095 injuries per day. To make matters worse, motorists’ driving behaviors have become increasingly risky since the initial onset of the COVID-19 pandemic, potentially heightening the likelihood of distracted driving incidents.

Distracted driving trends

Despite two-thirds of drivers (66%) saying that holding a cell phone to talk, text, or use an app while driving is dangerous, half (51%) reported doing this in the past six months, with Millennials doing this more than any other age group (67%).

Although fewer drivers have been on the road in the last couple years due to the COVID-19 pandemic, the number of fatal accidents has soared. In 2020, a total of 38,824 deaths occurred on U.S. roadways. Taking a closer look at that total, it represents a fatality rate of 1.34 per 100 million vehicle miles traveled, which is more than a 20% increase from 2019 and the highest rate recorded since 2007.1 In 2021, this rate surged an additional 18% in just the first six months of the year.2

This increase in fatalities has been linked to a rise in unsafe driving behaviors. Specifically, motorists may have gained a sense of false confidence in the presence of fewer vehicles on the road, prompting them to adopt dangerous habits. Nationwide’s latest research supports these concerning trends. According to this data, driving has become considerably more dangerous than it was before the pandemic, compared to 2020 data:

  • 81% think drivers are more aggressive
  • 79% think drivers drive faster
  • 76% think drivers are more reckless

What’s particularly concerning is that 85% of motorists rate their driving as excellent or very good, but only 29% give the same rating to other drivers around them. While riding in the passenger seat, consumers have witnessed drivers engaging in a variety of distracting activities on the road this past year, including texting (35%) and checking social media (27%). 

Fatalities are one the rise:

Nationwide Research Methodology
Edelman Data & Intelligence conducted a national online survey of 1,000 U.S. adult (ages 18+), car-owning consumers on behalf of Nationwide. The study was fielded from March 4 to March 11, 2022, and has an overall margin of error of ±3% at the 95% confidence level.

Posted by admin in Auto
Cars Most Likely to be Stolen

Cars Most Likely to be Stolen

A recent study on car theft has just assured me the likelihood of someone stealing my Honda Fit is refreshingly low. The same study provides one of the few convincing reasons to outfit yourself with this compact Honda instead of a Hemi—or an Infiniti Q50.

The Fit’s unfitness for hotwiring isn’t only due to its available manual transmission; not a single subcompact is on the HLDI’s list of the 20 vehicles most likely to be stolen. 

Instead that list dominated by luxury vehicles, pickup trucks, and cars and trucks that have engines powerful enough to provoke envy and spontaneous searches for wire hangers. Almost half of the 20 vehicles leading the likely-to-be-stolen list are also equipped with all-wheel drive. (For getaway scrambles across highway medians, perhaps?)

However, the shining stars of the theft frequency list are the Dodge Charger Hemi and Dodge Challenger SRT Hellcat. Interestingly, no other muscle cars compete with these Hemi-powered Mopars for their status atop this list, and are accompanied instead by an unlikely third-wheeler: the Infiniti Q50. This triad has the dubious distinction of being stolen at more than five times the average theft rate for 2016–2018 model year vehicles. 

“The models most likely to be stolen tend to be powerful, pricey, or pickups; but vehicle theft is also a crime of opportunity,” Matt Moore, the institute’s senior vice president, said in a statement. “Better security features on all vehicles would be the best way to address the problem.”

In general, car theft is on the rise. Though modern cars are more theft-resistant than older vehicles, many of them also come with the convenience of push-button starting. Lazy drivers often drop their high-tech, security-defeating key fobs in the console or cupholder when they run in Wal-Mart, making theft absurdly simple.

HLDI’s figures are based on the probability of the vehicles being stolen. The study compares thefts with sales rather than tabulating the gross number of thefts; that’s why some vehicles with relatively low sales appear on the most-likely-to-be-stolen list.

It may surprise enthusiasts who place the BMW 3 Series high atop a pedestal, but car thieves are apparently not into mass-market Bimmers. The 2016–2018 3-series tops a different list as the vehicle least likely to be stolen, and is followed by two Teslas: the Model S and Model X. The HLDI speculates that Teslas sport such a the low theft rate because they are typically parked either in garages or close enough to a house to reach an AC outlet or charger. A HLDI report from last year also showed that electric vehicles had relatively lower theft rates than conventionally powered cars and trucks.

One prominent dropout from the most-stolen list is the Cadillac Escalade, which used to lead the HLDI’s rankings for total vehicle theft. The Institute attributes that to both more competition in the luxury SUV segment (the Infiniti QX80 and Land Rover Range Rover are now on the list of 20 most stolen vehicles) and the fact that Cadillac started adding more robust anti-theft features in 2015.

None of us would put ourselves above enjoying some subtle envy when rumbling around in a Hemi, but with great power comes… great responsibility. There’s a reason Andrew Garfield’s Spiderman jumps a guy hijacking his way into a 7 Series. 

Most frequently stolen vehicles of the 2016-18 model years:
Dodge Charger HEMI
Dodge Challenger SRT Hellcat
Infiniti QX50 
Infiniti QX80
GMC Sierra 1500 crew-cab
Dodge Challenger
Nissan Maxima
Chevrolet Silverado 1500 crew-cab
Chrysler 300 four-wheel-drive
Mercedes-Benz S-Class sedan AWD
Dodge Charger AWD
Dodge Durango AWD 
Land Rover Range Rover
Chevrolet Silverado 1500 crew-cab 4WD
Dodge Charger
Nissan Titan crew-cab short bed
Chevrolet Silverado 1500
GMC Sierra 1500 crew-cab 4WD
Audi A7 AWD
Infiniti QX80 AWD

Least frequently stolen vehicles of the 2016-18 model years:
BMW 3-series four-door
Tesla Model S AWD
Tesla Model X AWD
Chevrolet Equinox AWD
Buick Encore AWD
Subaru Legacy with EyeSight
GMC Acadia
Subaru Forester with EyeSight
GMC Acadia AWD
Volkswagen New Beetle
BMW 3 Series AWD
Subaru Outback with EyeSight
Subaru Crosstrek
Chevrolet Traverse
Subaru Crosstrek with EyeSight
Lexus RX 450h AWD
Honda Odyssey
Mazda MX-5 Miata
Cadillac XT5

Content provided by Hagarty

Posted by admin in Auto
The 5 best roadsters

The 5 best roadsters

There is no feeling like the brush of cool air coming over the windscreen as you motor down the roadway. Almost every manufacturer has produced a roadster at some point, so we asked Hagerty members which one is their favorite. Here are the most popular answers.

Honda S200
Packing nearly 100 horsepower per liter, the Honda S2000 is a feat of engineering. The two-seater is sleekly styled and while small, is packed with function. The entire cockpit is driver-centric, and the rear-wheel-drive platform paired with a manual six-speed transmission promises a lively driving experience. They appear to be only going up, might be the time to shop for one now.

Mazda Miata
Embodying all the enjoyment—even the exhaust note—of a little British car, but with traditional Japanese reliability, is a sure fire recipe for those who like fun to drive cars. The Miata hit that nail square and hard, making itself a favorite of those in the search for a modern roadster. The first generation from 1989-97, also known as NA, are typically favored by those seeking a pure experience, but the subsequent generations are still wonderful cars to enjoy.

We expected a wide range of responses, but we will say we didn’t expect a pack of Morgan lovers to come out of the woodwork (pun intended) to declare their love for open top motoring. A pure British roadster, this fits the traditional definition by leaving the side windows behind. The majority of the responses calling for inclusion of the Morgan nameplate made reference to the Plus Four, a more powerful version of 4/4 model, which was built from 1950 to 1969.

Chevrolet Corvette
The second-generation Corvette is best known for the one-year-only split-window of 1963, as it was a gorgeous design and also the first Corvette without the option to remove the roof (the convertible, of course, wasn’t a split-window) Arguably the most American roadster (we would accept arguments that the ’32 Ford is a tie for the spot), the Corvette is the quintessential roadster for those who want an exhaust note that sounds as good as the American flag looks. Barring a few years after 1976 when no American production cars had the convertible option, the Corvette has always had the box on the order form for a drop top. We hope it stays that way.

Triumph TR3
The term LBC encapsulates a lot, but when you break it down to Little British Cars, to us there are few that fit the term better than the Triumph TR3. Hagerty members mentioned a number of Lucas-electrics-equipped cars, but the most support seems to lean on the curvaceous TR3. While British in heritage and production, between 1955 and 1957, 90-percent of TR3 production was shipped to the shores of the U.S.

Posted by admin in Auto