Insurance Center Associates Blog

All You Ever Wanted to Know About Insurance

What Is An Umbrella Policy?

What Is An Umbrella Policy? - Almost everybody has had health insurance questions at one point or another. Dealing with insurance companies can be a hassle and leave you with even more questions than before. The key is...

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10 Factors That Affect Homeowners Insurance Costs

If you’re in the market for homeowners insurance, you’re taking a smart step to securing your home in case of damage or disaster. But how much does homeowners insurance cost? There are many variables that can...

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Pinching Pennies? What Cars Are the Most & Least Expensive to Insure

If you’re thinking about purchasing a new vehicle, chances are good you’ve considered things like features, fuel economy and cost of repairs. These are all important things to think about, but you may be forgetting...

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Is Flood Damage Covered by My Homeowners’ Insurance? What to Know

Homeowners’ insurance protects you and your family from a variety of disasters. However, in most cases, your policy will not protect you from water damage. Homeowners’ insurance will usually cover damage from accidental...

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Reasons Why Car Insurance for Your Teen Driver Costs More

Getting a driver's license is a rite of passage for most teens. But for parents who have to start thinking about insuring a new driver, the increase in price can be difficult to understand. At Insurance Center...

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Tips for Keeping Car Insurance Rates Low for Inexperienced Drivers in Torrance

As people spend more time on the roads than ever before, it’s no surprise that car insurance rates are increasing across the board. When you consider too that people are driving more technologically-advanced cars, it’s...

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What Is Fire Insurance and What Are the Different Types?

Remember the yearly TV news stories about the fire hazards of deep-frying your Thanksgiving turkey? There are other fire hazards related to cooking as well. In fact, a great many house fires start in the kitchen. It...

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A Beginner’s Guide to Auto Insurance

What Are Your State’s Minimum Requirements? - Not all states require car insurance, and the minimum requirements vary greatly. California requires auto insurance. NerdWallet shows California’s minimum requirements...

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What to Ask When Thinking about Home Insurance in Torrance

Homeowners insurance premiums, the amount you pay monthly or yearly, can vary widely depending on things like the value of your property and possessions, your deductible, and even your pets. If you want to get an idea...

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What You Need to Know When Looking into Your Company’s Dental Plan

Whether you are choosing a new dental plan for next year, or choosing your company’s first dental plan, there are a lot of group dental insurance options to choose from. Here are some things to be aware of. Some Terms -...

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What Should Your Business Insurance Broker Do for You?

Are you looking for new or renewal business insurance in Torrance? Since there are many different carriers and plans for many different business situations, it’s important to work with an experienced business insurance...

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What Information Do You Need When Applying for Business Insurance?

Getting a new quote for your business insurance is an important, proactive maintenance activity, which you should do about 90 days before your insurance renewal date, according to Brokerlink.ca. Some brokers can handle...

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5 Safety Tips for Motorcycle Riders

Although nothing beats hitting the road with your bike, riding a motorcycle takes a different set of skills than those used in driving a car. A motorcycle tends to be a little riskier and does not provide the safety...

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Boat Safety Equipment Checklist

You’ve finally purchased that boat that you’ve been dreaming about for a while, or maybe you’re ready to take your boat out of storage now that warmer weather has arrived. No matter the situation, you’ll want to make...

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What You Should Know If Your Car Is Stolen

A car is stolen every 46 seconds in the US. While it can be a frightening and disappointing experience, you can get through it with these five simple steps. 1. Verify that is was stolen - Maybe you forgot you actually...

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What Is Commercial Insurance?

Have you heard the term “commercial insurance” before? Do you want to have a solid understanding of how it can protect your business? If so, read on.Defining Commercial Insurance - Commercial insurance is insurance...

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4 Reasons Why You Should Have Home Insurance

Buying a home is a huge financial investment. While it’s well worth it to have a comfortable and safe place for your family to live, owning a home doesn’t come completely risk-free. Because life happens, having the...

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4 Tips for Finding the Right Home Insurance Plan

Sadly, it only takes one terrible moment to end up with nothing. Your house and everything inside has significant value attached to it and in the event of a theft, fire, flood, earthquake, or accident, your life will...

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Determining Your Business Insurance Needs

Most small businesses are on a tight budget, but that doesn’t mean cutting out insurance is a good way to balance the books. Many types of insurance are required by law...for good reason. But what about optional...

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Cover the Risks: How to Customize Your Commercial Insurance

Whether your business property experiences a minor hiccup or a truly catastrophic event, commercial insurance is a must for protecting all of your business’ financial assets. Sure, you can certainly purchase a one-size-...

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How to Prepare for Rockslides in San Pedro

When you live near or on hills, slopes, or mountains, a major risk can be rockslides due to flooding or earthquakes. Rockslides, or landslides, are when rock, mud, dirt, and earth start to flow down a slope. Yearly,...

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Flooding and Mudslides Insurance: How to Be Prepared

When looking for the perfect family home, worries about flooding and mudslides may not be at the top of your list of concerns, but taking that type of thing seriously may save you a lot time, money, and heartache....

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Wildfire Insurance: What You Need to Know

Not a rare occurrence (especially in California), a wildfire can cause tremendous damage to any structure in its fiery path. Uncontrolled fire can quickly wipe out large areas of land before it extinguishes. Entire...

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When to File a Car Insurance Claim

A Breakdown of what to Do When Your Car is Damaged - Spending money fixing cars and on car insurance is never fun. Insurance Center Associates is here to help make it as easy as possible. When we're talking about auto...

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Identity Theft: What Is It, and What Can You Do to Protect Yourself?

Identity theft is a serious, yet often mysterious problem. There's a lot of buzz around the topic, usually in the form of businesses telling us they should pay for their identity theft protection services. But it's rare...

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Disability Insurance: Determining Your Risks

Just like any insurance, the thought of ever having to make a claim against your disability insurance is unpleasant. That's why many of us feign ignorance and procrastinate the task of purchasing it. Well, it's time to...

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Texting and Driving: Is There a Safe Way to Do It?

Everyone is busy. We all have so many demands made on our time, each one pulling us in a different direction. It seems the only solution is to multitask, which includes texting while driving to our various appointments....

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Stay-at-Home Spouses and Life Insurance: Protecting What Matters Most

These days, if there's something important in our lives, we insure it. We insure our health, our homes and valuables, our vehicles, and even our identities. But when it comes to life insurance, are we covering everyone...

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Heavy Rain? Be on the Lookout for Heavy Damage

Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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Keeping Your Family Safe This Summer

Helpful Tips for Keeping Your Family Safe This Summer - Summer is such a wonderful time of year to enjoy with the family; the kids are on summer break, the warm weather beckons you outside, and the activities are...

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4 Simple Marketing Tips for your Business

Simple, Affordable, and Effective Business Marketing Small businesses may have small budgets, but that doesn't mean you can only afford to market to a small audience. With so many digital tools now available, the...

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Increase the Equity in Your Home in 6 Easy Steps

Building Home Equity: 6 Quick Fixes - Home equity is the portion of your property that you actually "own" and is considered a most valuable asset. Market (Appraisal) Value - Mortgage Balance = Home Equity For...

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10 Tips to Keep Your Kids Safe at the Pool This Summer

10 Pool Safety Tips for Summer - Water safety is absolutely essential, especially in the summer months when daily activities seem to gravitate around a body of water. Here are 10 pool safety tips so you can help your...

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3 Considerations for Your Motorcycle Insurance this Summer

3 Considerations for Your Motorcycle Insurance this Summer - With summer approaching, you're probably eager to get your motorcycle out and on the road again. There's nothing quite like the feeling of being in the open...

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How to File an Insurance Claim

How to File an Insurance Claim - Disaster can strike anywhere, at any time. Even safe drivers can have accidents, cars can be stolen even if every precaution is taken, and, try as we might, there's no controlling Mother...

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Protect Your Property with These 5 Simple Spring Cleaning Tips

5 Spring Cleaning Tips to Keep Your Property in Tip-Top Shape - Springtime presents a great opportunity to deep-clean your house. Not only is the weather warming up, giving you extra energy and motivation, but a lot of...

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Geological Hazards You Should Look for When Buying a Home

Look for These 5 Geological Hazards Before Buying a Home - When you buy a home, you want to know everything about the investment you are making so you don't get stuck with any unpleasant (and expensive) surprises. ...

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10 Home and Auto Discounts You May Not Realize You Qualify For

Are You Eligible for These Obscure Insurance Discounts? - You are probably well aware of some of the most popular home and auto insurance discounts, like the student discount and the good driver discount, but did you...

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Why Umbrella Insurance is a Good Idea for a Rainy Day

Your Complete Guide to Umbrella Insurance - You most likely have heard the term "umbrella insurance" but maybe you aren't entirely clear on what it is, why you might need it, what it covers (and doesn't), and how much...

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Life Insurance: The Top 5 Factors That Impact Your Coverage

Life Insurance Coverage and 5 Factors That Influence Its Cost - Life insurance is one of those things that you would really rather not think about. After all, it can be scary to deal with the fact that your family may...

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Pet Insurance: Should Your Furry Family Member Have It?

The Particulars of Pet Insurance - You love your furry family member. That's why you want to give them the best care possible, which includes medical care. However, veterinarian costs can be high. That's why you should...

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Wedding Insurance: What It Covers & What It Costs

You're getting married! Buying a wedding dress, choosing the location, and picking the flowers are just some of the fun things you get to do in preparation for your big day. However, one thing you may not have...

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When to Drop Collision on Your Auto Insurance

Collision Auto Insurance: Do You Need It? When it comes to auto insurance, it is generally a good idea to have as much of it as you can afford so that you and your family will be protected should an accident or incident...

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Advantages of a Local Insurance Agency Over Online Insurance

In today's hyper-connected world, it seems like you can access virtually anything online - including insurance policies. In fact, more people are going online to buy insurance than ever before. Even though it may seem...

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Things to Consider Before Family Arrives for the Holidays

Being surrounded by family during the holidays brings a feeling of togetherness and celebration that not much else can match. Get yourself and your home ready to greet your guests in the spirit of welcomeness and love...

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These 10 Things Determine the Cost of Your Health Insurance

Did you know that your age may affect the price of your health insurance? Also, where you live can have a big impact. Here are ten factors that are used to determine the cost of your health insurance. 1. Age, Gender,...

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7 Fun Things To Do In San Pedro During The Holidays

It's that time of year again when ghosts and goblins come knocking and the smell of turkey and pumpkin pie fill the air; when Santa Claus visits and gift are exchanged, and when New Year's resolutions are made and...

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What Halloween Horrors Are Protected By Insurance

Halloween is coming, and for many that means a fun and exciting night of costumes, parties, and treats. But with the treats also comes the tricks, which can sometimes spell trouble. The inherent nature of Halloween...

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5 Reasons Why You Need Boat Insurance

Do you own a boat or are planning to purchase one but you don't know if boat insurance is required, why you need it, and what it covers? Are you stuck not knowing where to start or where to go for answers? Here is a...

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What's The Right Amount of Exercise You Really Need?

If someone asked you what holds you back the most when it comes to getting enough exercise, what would you say? If you're like most Americans, you would probably list not having enough time as one of your top reasons....

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Do You Really Need Renters Insurance?

Most people don't give much thought to purchasing insurance to protect their property until they buy a home. The best way to protect yourself and your possessions from the unexpected is to purchase insurance. There's...

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Smart Travel 101: 5 Ways To Stay Safe On Vacation

Are you one of the 35% of Americans planning to pack a suitcase, book a flight, and catch some R-and-R during a well-earned vacation this year? As one of the most popular stress-free and carefree pastimes, a vacation...

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10 FAQs About Life Insurance and Why You Need It

Why is it that even though 85% of people say having life insurance is important, only 62% of people actually have it? The most probable reasons for the discrepancy are confusion and unanswered questions. How much does...

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8 Tips to Make Your Home Safer

There is no doubt that your home is your largest asset. And in Southern California where home prices are some of the highest in the nation, you want to be sure you are doing everything possible to protect that asset....

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How Would Insurance Be Changed By Driverless Cars?

The future is here: technology companies like Google and Apple, as well as established automobile distributors like Ford, Volvo, and Audi have already developed self-driving cars and are announcing plans to test even...

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4 Unique Things To Do In Southern California

Sandy beaches, warm weather, and family-fun activities invite visitors from across the country to enjoy everything Southern California has to offer. And while places like Disneyland and Legoland are often considered...

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5 Unique Ways to Organize and Clean Your Garage

If you're like many Americans, chances are your garage is more of a cluttered mess than it is a functional, usable space. In fact, a recent report found that 82% of homes in the US have two-car garages or larger, but...

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Top 10 Ways to Make Your Home More Eco-Friendly

We all want to do our part to conserve Earth's natural resources and cut back on waste, but what does that entail? Just going out and purchasing solar panels may be too expensive as a first step, and choosing to live...

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How to Prep for San Pedro's Most Likely Natural Disasters

Earthquakes, landslides, heat waves, and droughts are some of the most likely natural disasters that can occur in the San Pedro California area. Learn more about these risks and how to prepare your home and family. ...

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How To Properly Maintain Your Windshield Wipers

By properly taking care of your windshield wipers, you can improve your overall visibility, maintain a lasting windshield, and cut back on the frequency in which you have to buy new wipers. Thanks to advancements in...

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The Law Requires These 4 Business Insurance Policies

As a business owner, you need to know which business insurance policies the law requires you to hold. These policies, which are tax-deductible, are: Professional Liability Insurance Unemployment Insurance Workers...

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Get Your Tires Ready for Spring with These Maintenance Tips

Are you taking a road trip for Spring Break? Is your car safe to drive in the wet, slippery conditions that come with springtime? Get your tires ready for vacation or just everyday commuting with these instructions on...

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Everything You Need To Know About The California Drought

In winter 2015, California experienced the biggest drought in state history. The infamous Sierra Nevada mountain range had a meager 5% of the normal snowpack - five times less than the previous record low of 25%; the...

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How to Save Money By Changing Your Own Oil

Why should you pay a mechanic to change your engine oil when it's cheap and easy to do it yourself? Follow these 7 easy-to-follow steps to learn how it's done. Step 1: Do Some Research - You'll need to find out ...

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Easy Ways to Lower Your California Electricity Bill

We've all heard ways to save on electricity: always unplug your small appliances when they're not in use, open windows whenever possible rather than run the AC, switch to more efficient fluorescent light bulbs, etc....

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4 Ways To Raise Your Home’s Value

Whether you have recently purchased a home or are planning to sell your current home in the future, there are various things you can do to increase the value of your home. Thankfully, increasing your home's worth doesn'...

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8 Steps For Writing A Will

Writing a will can be a daunting task for many people. Determining what is to happen with your valuable belongings and thinking about the welfare of your loved ones after you're gone can be stressful. Perhaps this is...

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5 Ways To Make Your Car Last Longer

The average age for a vehicle on American roads is approximately 11.5 years old - the oldest average in U.S. history. While this number is up from years past, there are still a handful of things you can do to increase...

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Tips For Spring Cleaning You Might Not Have Thought of

Spring is approaching quickly, and with it comes the necessary cleaning and purging of your home and belongings. Whether you love or hate it, a good deep cleaning can be therapeutic and even improve your quality of...

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Is an Electric Car Less Expensive in the Long Run?

It's quite the conundrum: electric cars typically cost more than a traditional gasoline-fueled car, but they promise fuel savings over the long run. So how do you know you're actually saving money with an electric...

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Best Used Cars to Buy in 2016

Shopping for a new-to-you car can be overwhelming. Between form and function, safety standards, out-the-door pricing, and shopping for insurance, it's no small task bringing home your next vehicle. To help you with...

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All You Need to Know About Insurance Fraud

In January, 2016, four individuals working in Ohio were charged with and plead guilty to committing insurance fraud against Ohio's Workers' Compensation system. In February, 2016, a Florida woman was arrested for the ...

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Insuring Man’s Best Friend: A Guide to Pet Insurance

Your pet is there for you through the good times and bad, so shouldn't you be there for them, too? As much as you hope you'll never be faced with a sick or injured pet, when it does happens it can be devastating if you...

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Questions to Ask Yourself before Buying Car Rental Insurance

Every time you rent a car, you have the option of purchasing rental car insurance. Whether it's worth it to purchase the additional coverage depends on many factors. Ask yourself the following questions the next time...

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3 Common Health Insurance Myths, Debunked

Since the Affordable Care Act (ACA) was introduced in 2013, health insurance has been on the minds of American adults more than ever. Health insurance was difficult to understand before the implementation of the ACA,...

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3 Dangers to Avoid During Thanksgiving

Thanksgiving is a wonderful time of year when families and friends congregate over delicious warm food, competitive football games and the joy and thankfulness for life's blessings. Unfortunately, though, Thanksgiving...

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How Does Commercial Insurance Work In San Pedro?

Owning or managing a business comes with a lot of responsibilities; you have to make sure sales run smoothly, your employees are happy, products or services are up to par, and much more. One of the most important...

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How To Prevent Fall Allergies

Every year more than 35 million Americans suffer from seasonal allergies, including fall allergies. Not only does this heightened sensitivity to environmental change costs the U.S. economy more than $7 billion in lost...

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6 Reasons You Should Bike To Work

Imagine not having to fill up your car's gas tank every week. Think about the time you'd save by not sitting in hours of traffic every morning. Consider the joy you'd experience by not circling the parking lot...

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What To Do After a Hit And Run in California

Because hit-and-run accidents are on the rise in our nation, legislators are toughening laws and insurance companies are making changes to address this worrisome epidemic. Though hit-and-run accidents are a national...

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How The Wildfires in California Affect You

There are currently four large, active fires burning in California, damaging nearly half-million acres of land, destroying some 2,000 homes and claiming seven lives. These series of fires have racked up a price tag of...

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3 Fun Things To Do In San Pedro, California

With nearly 300 days of sunshine gracing the San Pedro, California area every year, it's easy to fill your time with endless activities. No matter how full your itinerary, be sure not to miss out on these three fun...

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Should I Insure My Child’s College Tuition?

Did you know that for the 2014-2015 school year the average cost of college tuition was $31,231 for a private college, $9,139 for in-state residents and $22,958 for out-of-state attendees at public universities? For...

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4 Excellent Places to Eat in San Pedro

Looking for delicious food in San Pedro? Find out more about 4 of the best places to eat in the area. Raffaello Ristorante - Date night? Raffaello Ristorante will set the mood with soft lighting, beautiful table...

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How to Snorkel Catalina Island Safely

Though Catalina Island might be best known for its slow-paced, relaxing ambiance, it also offers several land and sea adventures. From golfing to kayaking to parasailing, the options are nearly endless. However, the...

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What to Do Before and After a House Fire

Did you know that nearly 370,000 home fires occur every year in the United States? Unfortunately, California, along with Texas and Pennsylvania, leads the nation in fire-related deaths. Before - By following these 3...

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5 Tips for Saving Money At the Pump

With the average price of gas reaching $3.00 in 2015, filling up your tank isn't nearly as affordable as it once was. However, by following these 5 tips, you won't feel as cheated every time to head to the gas station,...

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How To Be Safe When Swimming In The Ocean

Swimming in the ocean can be invigorating, but it is also a little bit dangerous. Follow these tips to stay safe and enjoy your ocean swim. 1. Learn About Rip Currents - Powerful rip currents can quickly catch someone...

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How To Protect Your Home From Burglars

Your home is a safe haven for you and your family. Find out how to protect it from burglars below. 1. Install A Security System - Installing a security system gives you an extra layer of protection. It can help police...

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7 Boat Safety Tips

Boating is one of the best ways to enjoy beautiful surroundings, good company, and nice weather. Use the following tips to stay safe on the water: 1. Check The Weather - No fun activity is worth risking your safety....

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3 Myths of Life Insurance

A recent study reported that more than 95 million adult Americans do not own life insurance at all, and those who do have life insurance don't have enough. While the most common reason for lack of insurance is the...

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Simple Ways To Conserve Water During A Drought

Conserving water is part of being a responsible citizen, but it is especially important during a drought. Whether you're motivated by increased water costs or a desire to protect the environment, the following tips...

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7 Simple Ways To Stay Healthy This Summer

It is much easier to enjoy the summer weather when you're healthy and energetic. Here are 7 simple ways to stay healthy all summer long. 1. Stay Hydrated - Staying hydrated is one of the most important steps to...

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5 Ways to Keep Your Auto Insurance Low

Though owning a car is a convenient, luxurious custom that we, in the United States, have welcomed with open arms, it doesn't come with a cheap price tag. In fact, in 2011 the average American paid nearly $9,000 per...

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5 Simple Steps For Healthy Teeth

Taking good care of your teeth and gums is one of the easiest ways to protect your overall health. Here's what you need to know: 1. Keep Up Those Daily Habits - Little daily habits are the most important part of dental...

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Understanding Umbrella Insurance

In today's modern, highly litigious society, lawsuits are filed at the drop of a hat. In fact, more than 15 million civil lawsuits are filed each year. No matter your class status or how much money one may assume you...

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3 Easy Steps to Determining How Much Life Insurance You Need

When you purchase a car or home, finding the right insurance is a natural part of an exciting process. However, finding life insurance can be a completely different experience. Not only is placing a price tag on your...

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Important Earthquake Safety Tips

There is nothing you can do to prevent an earthquake, but there are many things you can do to stay safe in the event of an earthquake in your area. Here's what you need to know: Before An Earthquake - If you live in...

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Top Ten Auto Insurance Myths

1. Car color matters - Are red cars more expensive to insure because they get pulled over more often than other colored cars? Nope. Your insurance company won't take car color into consideration when it determines...

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Everything You Need To Know About Insurance Fraud

The Coalition Against Insurance Fraud estimates that nearly $80 billion in fraudulent insurance claims are made in the U.S. every year. Though this approximated value includes every type of insurance, it is expected...

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Buying A Second House? Here’s What You Need To Know

Investing in a second home can help you transition into retirement, improve your investment portfolio, or make vacationing in your favorite spot easier. Here's what you need to do before you invest in a second home: ...

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Coinsurance 101: The Need-To-Know Basics

Understanding the basics of coinsurance can make the entire concept of health insurance a bit simpler. By discovering the facts about how coinsurance works and what it covers, you will come to a better understanding of...

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Uninsured Motorist Coverage 101

Take a minute to consider this scenario: You're a responsible, law-abiding driver with proper auto insurance and a good driving record. One day someone runs a stoplight and slams into your car, breaking your arm and...

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The Top 10 Best Cars for New Parents

For new parents, nothing is more important than making sure your child is safe. In today's fast-paced world, having the proper vehicle is essential for keeping your family happy and whole on the road. Whether you have...

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Your Guide To RV Insurance

Owning a recreational vehicle (RV) makes it easy to travel all over the country without giving up many of the comforts of home. An RV makes traveling more affordable and convenient. Protect your vehicle and your...

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Is It Time To Replace Your Tires?

If your tires are too worn out, you are placing yourself and other drivers in serious danger. Your car could slip on icy or wet roads or you could wind up with a blowout on the freeway. Replacing your tires isn't just...

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What’s the Difference Between Term and Whole Life Insurance?

Deciding between whole life and term insurance can be difficult and quite frankly confusing; your decision should be determined by your needs. The following explain some of the differences, values, downfalls, etc. of...

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What to Wear When Riding A Motorcycle

The sun is shining, a warm breeze is fluttering through the trees and you quickly decide: "I am going to go for a motorcycle ride." After a long, cold winter you may be especially eager to get out there, but before rev...

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When do I need Landlord Insurance?

Getting ready to move into a rental? Or maybe you have just finished your house or basement and you are preparing to rent it out. Knowing about landlord insurance before you do either of these things is of great...

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Babyproofing 101

- Keeping your children safe is one of your top priorities as a parent. Your children should be especially safe in their own home, but the arrival of a new baby often means that some changes need to be made around the...

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Easy Homeowner Tax Deductions

Recent improvements in the economy and housing market have enabled more people to purchase their own homes. Whether you're a first time home-buyer or a long-time homeowner, there are several ways to save money on taxes...

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Insider Tips To Help You Save Money On Auto Insurance

Auto insurance is a necessity, but that doesn't mean it has to be an expensive necessity. There are plenty of simple ways to save money on auto insurance without sacrificing protection or peace of mind. Use the...

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3 Tips to Stay away from Distracted Driving

Driving when you are distracted can be very dangerous, but in the modern world, the distractions we face are countless. This might cause us to wonder if it's even possible to give our full and undivided attention to...

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The Differences Between Renters and Homeowners Insurance

Insurance is an important asset in our world. We insure our lives, our vehicles, even our plane tickets. But insuring our homes is one of the most important and necessary things we can do. Whether you are a renter...

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Car Accidents: What to do in the Aftermath

You have just been in a car accident, whether it was a simple fender bender or a massive accident it is important that you know what needs to be done. Do you know how to react to prevent further injury? Do you know how...

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Anthem Blue Cross Cyber Attack may affect you

Anthem Blue Cross announced today that a sophisticated cyber attack exposed up millions of current and former policy holders information. Anthem revealed that hackers did not get payment or credit card information, but...

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Do I Need to Insure my Boat Year-Round?

Boat insurance is a necessary protection for your summer recreation, but what about when the boating season is over? Does it make sense to keep your boat insured if it's just going to sit there in storage? Surprisingly,...

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Understanding Worker’s Comp: A Brief Guide

Federal law requires that employers provide worker's compensation to each of their employees. And many employers wrongly assume that this evens the playing field, and makes rates the same from company to company. This...

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4 Surprising Perks Of Hiring An Independent Insurance Agency

You have no plans to flood your basement, break your arm, or get in a car accident tomorrow-but unfortunately anyone could find herself in the midst of an unexpected emergency. You can't control Mother Nature or those...

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How to Protect Your Home while You’re Away

The holiday season has arrived, and with the joy of the season comes a lot of holiday travel. If you are traveling this holiday season, it is important to keep your home safe while you are away. Here are a few great...

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Thanks for Giving you raised $5,120!

Wow! Thank you for showing your Thanks by Giving, during our ICA Gives - Thanksgiving campaign! As promised, we doubled your contributions and with your help donated $5,120 to Toberman Neighborhood Center!. Your support...

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Group Health Insurance: Does Your Business Need It?

Group Health Insurance is a great way to provide benefits and care for not only yourself as a business owner but also for your employees. Here at Insurance Center Associates, we know insurance can be a confusing...

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Christmas Tree Safety Tips

Your Christmas tree is probably one of your most important and exciting holiday decorations. The glittering lights, smell of pine, and fun ornaments all help you bring the holiday spirit into your home. Unfortunately...

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How to Safely Deck the Roof with Christmas Lights

It's that time of year again. Time to put up the Christmas tree, work your ovens to their breaking point, buy gifts for the family and get those thousands of Christmas lights up on the house. Insurance Center Associates...

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How Does Adding A Driver Affect My Insurance?

Teaching your teenagers how to drive can feel like you're embarking on a dangerous journey to Mordor with only your insurance to protect you. When your teenagers are driving on their own, you want your insurance to...

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8 Tips to Have a Safe and Memorable Thanksgiving

On Thanksgiving there are more safety hazards to worry about than just cooking the turkey (although that is important, too). Here are a few tips to stay safe this year. 1. Stay in the Kitchen If you're cooking food,...

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Show YOUR Thanks by Giving & we will DOUBLE your gift!

Show your Thanks by Giving to a great Charity, and helping Local "at risk" youth and your community! We will DOUBLE your dollars by matching all contributions up to $2,500 Help us help the kids at Toberman have a Great...

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Tips to Protect Your Car from Theft

If you want to make it easy for someone to steal your car, or the valuables inside your car, then you should NOT adhere to the following tips and advice: Lock It - Keep your car locked every time you step away. Park by...

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Car Seat Safety Tips

Whether you are on your way to the grocery store, the bank, or school, be sure you and your children get there safely. Use the following tips to make sure you are using the right car seat, the right way. Do Not - 1....

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To Rent or To Buy, That Is The Question…

Whether 'tis nobler in the mind to suffer the maintenance and upkeep costs of homeownership, or pay a landlord a monthly rent that builds no equity-there's no clear cut answer, and it depends on your individual...

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Winter Driving Tips

The coldest season of the year is on its way, and even if you live in an area where it never becomes too cold, it is important to have a firm grasp on winter driving. Because the winter season is so full of...

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How Does a DUI Affect Insurance Rates?

When insurers calculate your monthly premiums, they take into account your driving record. If you've been convicted of driving under the influence (DUI), your insurance company will view you as a "high risk" driver....

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Why You’re Not Washing Your Hands Enough

Flu and cold season is well on its way, and although many of us are ready to face the season head on, the basics are often the first things we forget. Washing your hands is one of the best things you can do to stay...

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What is Commercial Liability Insurance?

No matter how safe your business is, there will always be liabilities that your employees and customers may come in contact with. Liabilities lead to lawsuits, which lead to expensive charges and fines that your...

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7 Halloween Safety Tips

It's almost the end of October, and porches across the country are adorned with jack-o-lanterns, spider webs, and other spooky decorations, all in anticipation of a procession of trick-or-treaters. Halloween is fun and...

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How to Run a Business from Home

With the invention of the Internet, the possibility of running your own business has become more and more available to people all across the country. And one of the best steps forward for these businesses is that now...

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Tips for Staying Healthy This Autumn

Autumn is a beautiful season. Things start cooling down from the hot muggy days of summer, and the changing colors can be simply stunning. With the changing season, many of us also have a shift in routine. The shorter...

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Why Secondhand Smoke Is So Dangerous

We've known about the dangers of secondhand smoke for several decades now. Because of the ubiquitous anti-smoking ads you see on TV and billboards, secondhand smoke can sometimes be overlooked. It's probably a good idea...

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Parents: Keep In Mind These Back to School Health Tips

School is already back in session, but it's not too late to talk about helping your child stay healthy and prepared to learn each day. To ensure your child makes the most of her day, consider these back to school health...

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Skydiving, Driving, and the Importance of Seat Belts

Imagine jumping from a plane. The air is rushing past your face. You start to notice the ground and the details become more and more clear the closer you get. After losing your stomach, you may actually start to enjoy...

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The Best Cars for Young Drivers

Safety is your number one priority for your children, and when the time comes for them to learn how to drive, you want to find them a car that will keep them safe and won't break the bank. Here are a few cars the...

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Do I Need Commercial Auto Insurance?

If you are a business owner with company vehicles, you may be wondering if you should invest in commercial auto insurance, and, simply put, commercial auto insurance is important for any small business owner with any...

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7 Water Facts That Will Make You Want a Water Break

No matter what you're doing right now, you need to get up and pour yourself a drink of water. Why? Because water is necessary for life, but also because of these 7 amazing facts that are sure to make you thirst for some...

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Do I Really Need Business Insurance?

Every business is different, but every small business needs to consider its insurance options. There are several different kinds of insurance you may want to invest in for your start-up. Here are a few of the most...

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2 Home Safety Devices to keep you and Your Family Safe

Sleeping comes pretty easy when you're a kid because you really don't have near as much to worry about, but when it comes to getting some shut-eye now, there can be a hundred things on your mind: What will work throw...

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How to be Safe and Still Have Fun this 4th of July

How do you celebrate your Independence Day? My family prefers to gather around the television for our annual viewing of the film "Independence Day," starring Will Smith, Jeff Goldblum, and our favorite fictional...

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72 Hour Kits – Why you need them and what they should include

Emergencies almost always happen without warning. That is why you need to be prepared beforehand with the things you'll need to survive during an emergency. 72 hour kits are the best way to protect yourself and your...

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A Fire Escape Plan for Every Family

Most disasters can be avoided, or at least minimized, by planning ahead. In the panic-ridden moments of a house fire, you don't have time to gather your family together and work out an escape plan. By then, it's too...

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Protect Your Most Cherished Possessions

If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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4 Ways to make Flying with Kids Enjoyable

Many families will be flying this summer, and if you don't have a game plan, you most likely won't enjoy it. No parent wants to have to deal with a screaming baby or a kid that is bored and keeps asking you if you are...

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7 Must-Dos in LA before the Summer Ends

LA is a great place to visit at any time of the year - but summer time brings out the best of the best in this great city. Not only are the days sunny and warm, but the evenings are ablaze with life. Be sure to add...

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Tips to Stay Cool this California Summer

Summer is just around the corner, and things are just starting to heat up. Although the summer heat makes for perfect times to hit the beach or the hottest party, the heat isn't all fun and games. In order to make sure...

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Understanding Identity Theft

Your identity belongs to you. Here are some suggestions from Insurance Center to help you protect it. One smart and effective way to protect yourself against identity theft is to prevent it. If your identity is stolen,...

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Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Home Security Tips

Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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A Little Extra Caution Can Go a Long Way While Driving at Night

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur...

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Five Sure-Fire Ways to Get Your Car Stolen

Most people would say their car is one of the most valuable assets they own - if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At...

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Natures Reminder

Recently we all got a little reminder about where we live. Earthquake country! ..and also one darn beautiful summer like, let's spend the day at the pool, backyard or amazing beach week, while much of the rest of the...

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The Most Important Thing to Take When You Go Boating

A good sailor is always prepared for anything, so what is the single most important thing to bring with you when you go out on the high seas? Is it a life jacket? A good set of ropes? Those things are...

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What to Do After a Water Loss or Indoor Flood

Stop the water! Shut off the main water valve immediately. It's not a bad idea to make sure everyone in your home knows where the shutoff valve is located. Remove area rugs from the floor. The dyes in...

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Buckle Your Baby

You wouldn't send your kid rocketing off on a rollercoaster without safety restraints, right? Well, perhaps even more irresponsible than that is letting them cruise in your car without the proper safety equipment....

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Commercial Liability Insurance: A Must-Have for Your Business

Whether you operate a small business with a handful of employees, or you're a conglomerate with an army of workers, you need commercial liability insurance. What is Commercial Liability Insurance? - Basically,...

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Flood Insurance: Do I Need It?

Only about 20 percent of homeowners carry flood insurance, and the majority of those who do are required to because they live in a federally designated flood zone. So why do so many people decide to...

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5 Tips to Extend the Life of Your Car

To some people, cars are mindless slave machines that exist to serve. To others, their cars are their babies--they have names and personalities and are the center of their owner's life. Regardless of your own personal...

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Common Life Insurance Myths

Like with seemingly everything else in this world, there are a number of myths that have been erroneously attached to life insurance policies, and their spreading has caused many to miss out on the distinct advantages...

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Why Business Insurance?

It makes sense that a large corporation would want to have business insurance to protect its ample assets. But does a small company, perhaps with only a handful of employees, really need to be covered? The...

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3 Tips to Get Over That Cold

It's probably safe to assume that nobody enjoys having a cold. It can leave you stuffy and coughing for days, and feeling like there's no relief in sight. But have no fear! These 3 tips will help you recover faster than...

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How to Avoid Insurance Fraud

In the United States insurance fraud is a growing problem that can sometimes seem overwhelming, but if you understand how it occurs, you can make a significant effort to avoid the stress and hassle. There...

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Fireplace Safety

Winter comes and it comes fast. If you are looking at saving money and making sure that you are still warm, a fireplace can be a great choice. While it can bring warmth and savings to your home it can actually bring...

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Holiday Safety for Your Kids

As the Holiday season rolls around, you may find yourself preparing for the excitement of the days to come in a variety of different ways. But as you prepare for a fun and full holiday season, don't forget to keep your...

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Make Sure Your Pets Travel Well for the Holidays

The holiday season is here - time to eat good food and join together with loved ones. For many who have families far away, this is also is the time to pack up and get out of California. If you are gearing up to travel...

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Safe Winter Travel

Driving through the snow can be dangerous for anyone, especially people coming from warm climates to cold ones for the holidays. If this is your first winter traveling in the snow, keep these tips in mind as you brave...

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Health Care Whiplash

Confused as to whether or not your current Health plan will be cancelled or not ? The pendulum has swung back and forth so much over the last two weeks that most of us have been left with whiplash! Here's the short...

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HealthCare Changes Again!

Late last week, President Obama announced a "fix" to the Affordable Care Act (ACA) that would allow individual policyholders to retain their current health care coverage. A number of current products are already...

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Creating an Emergency Preparedness Kit

There's nothing scarier than being caught in an emergency unprepared - especially when you are all alone and in the middle of nowhere. Knowing how fickle cars can be sometimes, it could happen to you at any time, no...

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Save Energy = Save Money

As the title might suggest, an easy way to help save you money simply involves using less energy. While you can still enjoy the benefits of modern conveniences, doing so in an energy-conscious fashion will make that...

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Make Football Season Fun and Safe

Finally, we're welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves and, of course, football season in California. Football brings with it a whole host of seasonal...

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Are you Getting Enough Exercise Each Day?

When it comes to exercising, we often times don't feel that we have the time each day to fit it in. We don't necessarily need to go to the gym for hours each day to get a good work out, but finding a few minutes each...

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Emergency Evacuation Planning

Hurricane season is winding down and Mother Nature is preparing to cool things off as fall fades into winter. Weather patterns are constantly shifting, as are the tectonic plates moving imperceptibly beneath our feet....

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Understanding Health Care Reform

Since the health care reform bill was passed in March 2010, it has continued to remain a mystery to many how it will affect them personally. Even the name of the bill has remained ambiguous. That is because it has two...

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Fitness Tips for the Unfit

Are you just not built to be fit? When you've tried to do the exercise and diet things in the past, did you find them impossible to do? When you thought about sprinting, you started sweating. Whenever you opened your...

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Don't Make the Wrong Choice!

PLEASE CALL US BEFORE YOU DO ANYTHING WITH YOUR CURRENT COVERAGE AND WE CAN HELP ADVISE YOU ON YOUR BEST COURSE OF ACTION. WHEN DOES IT ALL START ? Some of the provisions of the Patient Protection and Affordable...

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The Importance of Protecting Your Vehicle

Everyday someone in America becomes a victim of car theft, vehicle burglary, or damage to a car from thieves striping parts from the car for sale to chop shops. And in fact, the numbers from a recent study indicate that...

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Tips on How to Get More From Your Day

Nearly everyone desires to be more productive throughout their day, simply because most people live such busy lives. With all of the responsibilities and tasks that mature and responsible adults must tackle every day,...

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Healthcare Reform Is Here

Healthcare Reform has arrived, yet there are still a lot of questions and Insurance Center Associates is here to help! When does it all start? October 1st, 2013, is the start of enrollment for Individual Guaranteed...

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Tips for Your First Year at College

College can be a scary place. Make sure you are prepared for the adventure that lies ahead! College life is a much bigger adjustment than a lot of people take it for. Not only are classes a lot harder than they were in...

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Tips on Finding Your Dream Car

If you are in the position to be shopping for your dream car, it may be a little more overwhelming than you imagined. With so many different options and features, it can be hard to make a decision. To ensure you are...

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Quality Time With Loved Ones

Spending quality time with the people that are most important to you can be easy to push to the backburner. With a to-do list a mile long and running from one activity to the next, it can be hard to make time for the...

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Firework Safety Tips

As the middle of summer is upon us and as the nation's birthday recently passes us, it is important to remember firework safety tips. Fireworks are a beloved part of summer and an integral aspect in how we as Americans...

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Saving on Business Insurance

For many individuals, one of the key components of the fabled American Dream is building a successful business. Creating, developing, and maintaining a successful business has been the life work of many individuals and...

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Keep Business Flowing in Summer

Keep Business Flowing in Summer Summer time is perhaps the hardest time of year to motivate your employees to do anything. Increased waking hours combined with the opportunities warmer temperatures bring and memories...

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Keeping the Electric Bills Down

Keeping the Electric Bills Down As the summer heats up across the nation, there are more and more homeowners who are realizing that the rising heat is directly adding to their electricity bills. While some may think of...

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How to Spot a Bad Mechanic

How to Spot a Bad Mechanic When you know that you have to have your car fixed by a mechanic, it can be nerve wracking to try and find someone that will be honest with the repairs that need to be done. If you do not...

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Blueberries are the Best

Blueberries are the Best June is National Blueberries Month! We know what you're thinking, "Blueberries? Really? They're good and all, but are they really that important that there should be a month honoring them?" Yes,...

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Making This Father’s Day Special

Making This Father's Day Special Father's Day is this weekend! Sunday, to be exact. If you haven't figured out what you are going to do for your old man yet, don't worry! You still have some time to create or purchase...

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Build an Emergency Car Kit

Build an Emergency Car Kit You never know when you'll get stranded when driving your car. As such, it is a very good idea for you to create an emergency car kit. You can make your own kit fairly quickly, and store it...

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Fruits and Veggies Perfect for Spring

Fruits and Veggies Perfect for Spring June is declared the National Fresh Fruit and Vegetables Month! Proper consumption of each of these means living a better, longer life. Each type of fruit or vegetable is packed...

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The Do’s and Don’ts of BBQ Safety

The Do's and Don'ts of BBQ Safety Many may not know it, but May is National BBQ month. As the transitional month from spring to summer, it is fitting that May be the nation's month to remember, and even celebrate, the...

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Wedding Insurance Guide

Wedding Insurance Guide As the summer time approaches, so too do many happy couples' wedding dates. The summer season is the season of love and with that comes many planned wedding ceremonies, receptions, and open...

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Insuring Mom’s Jewels for Mother’s Day

Insuring Mom's Jewels for Mother's Day If you're old enough to be reading this post than you're probably old enough to be beyond making a Mother's Day card with crayons and construction paper. She would probably still...

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Springtime Migration to the Lakes and Campgrounds

Springtime Migration to the Lakes and Campgrounds Springtime is a reawakening for mankind. It's the time of year when people can be seen poking their noses out of their front doors, taking a big whiff of warm air,...

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5 Steps to De-stress Your Life

5 Steps to De-stress Your Life April is National Stress Awareness Month. Stress is one of the fundamental emotions we feel. Stress is created when performance does not match expectations. For instance, stress is...

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Spring Freedom: Motorcycle Safety Reminders

Spring Freedom: Motorcycle Safety Reminders Winter has been renounced and spring welcomed in. To some, this means flowers, bright colors, and cleaning schedules will soon be filling their days. To others that know...

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It's Time for Spring Cleaning!

Spring is a time of new beginnings in California - and now is a great time to take on some cleaning and organization tasks around your home. If you're anything like many of us here at Insurance Center, some of these...

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Driving Safely This Easter

Driving Safely This Easter Holidays mean people are heading home to spend time with their family. It doesn't matter if it's Christmas, New Year's, or Easter. People want to be with family when they can and make the...

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Favorite Foods of National Nutrition Month

Favorite Foods of National Nutrition Month March is national nutrition month, who would have guessed!? What are you doing to celebrate? Your eating habits will have a huge effect on your health levels and choosing to...

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Life Insurance: A Few Things to Consider

Life Insurance: A Few Things to Consider Buying life insurance can be a confusing ordeal. You don't know what's good and what's not. Figuring out what you need and what you don't is a difficult task when all you have...

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Meet Stacey - Our Last iPAD Winner

We just wanted to let you know how you can win some great prizes from us, your favorite insurance agent. To see a video of our last winner, check out the YouTube video below! This year we have some great prizes and...

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Got Some Bling from a Loved One?

Did you buy or were the recipient of something special or some bling from your sweetheart or even for yourself? Most polices provide a very limited amount of Jewelry coverage anywhere ranging between $1,500 to $3,000...

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Why Do Car Accidents Happen?

Feb. 5, 2013 Why Do Car Accidents Happen? Every time that you start up your car and head out on the road, you should be well prepared for your drive. You are trusting drivers around you to obey traffic laws and drive...

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Benefits of Being Physically Active

Benefits of Being Physically Active We all know that it is important to exercise on a consistent basis and exercising consistently is often on people's lists of New Year's resolutions. If you are not exercising...

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Top Distractions for Drivers

Top Distractions for Drivers We all know how to be good drivers. If you think about your Drivers' Ed classes, you can probably remember how to properly place your hands and focus on the road in front of you. It is...

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Road Rage

Road Rage It is told that two wealthy business men in the same town bought the first two automobiles to be brought to the town. In the days still dominated by horse and buggy, somehow these two proud owners of the...

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New Year’s Eve Safety Tips

New Year's Eve Safety Tips It is so incredibly important to be safe throughout the New Year. There are a lot of opportunities for accident and injury on December 31st. You want to avoid every single one to make sure...

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December is Drunk and Drugged Driving Prevention Month

December is Drunk and Drugged Driving Prevention Month The holiday season should not be the only thing on the minds of people this December. December is the federally recognized Drunk and Drugged Driving Prevention...

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How to Prepare for a Flood

How to Prepare for a Flood Anyone that has lived along the path of a hurricane has learned what it's like to have a flood. They are often quick, and unstoppable. Locks and doors can't keep the rushing water from...

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Workers’ Comp

Workers' Comp If you employee people, you want Workers' Comp. People on your property-or under your employee-are your responsibility. That means if they are injured in any manner while working on site, they have the...

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Defensive Driving

Defensive Driving Defensive driving is one of the most important parts of getting to your destination safely. There are many different factors which you have to process all at once when you are driving, and the state...

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What are the Qualifications for Disability Insurance?

What are the Qualifications for Disability Insurance? Disability insurance is a type of insurance which will pay people an income in order to keep them financially viable after they have become disabled. For many...

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Are You Ready to Buy a House?

Are You Ready to Buy a House? Buying a home is one of the big steps in life that most people will experience. This is an exciting prospect to look forward to, but it also brings with it a fair share of stress and...

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Top Credit Score Myths

Top Credit Score Myths A person's credit score is, at its most basic level, a three digit number score used to reflect that person's reliability when it comes to paying back their creditors. This information is then...

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What are the Most Common Causes of House Fires?

What are the Most Common Causes of House Fires? A house fire can ruin your house and even cause injury to loved ones within your home. When you want to prevent a house fire from occurring, it is important that you...

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A Quick Look at MADD

A Quick Look at MADD MADD (Mothers Against Drunk Driving) is a major force for change when it comes to traffic laws and societal acceptance of drunken driving. Drunk driving kills over 10,000 people per year in the...

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Boat Safety Tips

Boat Safety Tips Summers are hot and sweaty. The only solace you can often find during the hot week is that you are just a few minutes away from an air-conditioned room, or you are only a few days away from that boat...

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Saying “I Do”- The Effect on Your Premiums

Saying "I Do"- The Effect on Your Premiums Believe it or not, marrying someone with a bad driving record can actually affect the premiums that you pay. When we get married, a lot about coverage needs is going to...

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What are the Most Absurd Things to Insure?

What are the Most Absurd Things to Insure? When we think of "insurance", we typically think of protecting the important or valuable things in life, in order to make sure that they can be taken care of. In the vast...

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Tips to Help Make Buying Insurance Easy

Tips to help make buying insurance easy Buying the right insurance can seem like an intimidating ordeal that translates into hours of stressful research and contemplation. The stress can become too much for one...

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The Benefits of Middle Age Fitness

You're never too old to start exercising. An increase in your physical activity level can have a major impact on the rest of your life, even if you are well into your personal "Middle Ages." People starting an...

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Your coverage in the dark

So you've heard of home insurance, car insurance, life insurance and you may have just heard that worker's compensation was an insurance option for businesses, but the real question is, did you know that you could...

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Benefits of Employee Volunteer Programs

Don't you love that warm, fuzzy feeling you get all over when you sacrifice your time volunteering to help someone else? Often times you can reflect on that time without any regrets. Whatever sacrifices you made to...

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Are you prepared for a blackout?

You and your friends sit down in front of the TV with hot microwave dinners, bags of chips, and a twelve pack of soda each. You're just settling in watch the big game, when suddenly, the TV shuts off and the lights...

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Tips to balance your work and family life

No one has ever said that they wished they had spent more time at work on their death bed. Scrooge almost did. He was lucky that someone saved from that fate by stepping in and helping. If you find yourself spending...

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Be Happy and Stay Healthy!

Americans stress. It's in our blood. There's no escaping the buildup of stress. Go to any major city in the country and you'll see it evidenced in the way people weave dangerously in traffic late to work. Stress...

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Benefits of Term Life Insurance

Term life insurance offers the same great benefits of permanent life insurance for a cheaper cost. Term life insurance is the original life insurance. Purchasers agree to pay a set amount of money to a company per...

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Healthy Summer Snacks and Desserts

During the summer, it can be tempting to load up with sweets and snacks, since you typically have a little more leisure time on your hands. That being said, it is best to stick with healthy options in order to keep...

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Who Needs Travel Insurance?

Travelling the world can be an exciting and romantic experience. There are places to see, people to meet, and things to do! Going on a trip can change your life and make for amazing memories you can look back on...

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How to Exercise Safely in the Summer Heat

Summer is a great time to get out and enjoy the outdoor setting when you are exercising. You get to be out in the fresh air and see the pretty sights and enjoy the company of others! It is important to take precautions...

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Welcome to Our New Additions: Madeline & The USS Iowa!

The Battleship USS Iowa is the biggest and strongest addition to our local area, but check out Madeline. She is hands down the sweetet and most adorable! Madelyn is the recent additon to one of our great agents Sandra'...

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Motorcycle Insurance 101

A motorcycle represents a lot of things to the person who owns it. It is at once an investment, a hobby, a toy, and a means of transportation. Motorcycles represent freedom on the open road, and they also have a lot of...

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Protect Your Online Identity

Identity theft is something that is all too common. It is important that you know how you are going to be wise about protecting your identity online. When you are trying to keep your identity protected, you want to...

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3 Reasons you Should Get Dental Insurance

Taking care of your mouth takes a lot more than brushing your teeth before you go to bed at night. To be properly caring for your teeth, you should be flossing once a day and brushing at least twice a day. As you learn...

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Workers Compensation Insurance 101

Whether you are an employer or an employee, it is important to have a solid understanding of Workers Compensation. Workers Compensation Insurance is required in almost every state in the United States. There are very...

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Top 5 Business Insurance Risks

Top 5 Business Insurance Risks If you run a business, then you know about the sheer amount of insurance risks that you have to deal with on an ongoing basis. There are a lot of various things which can happen, which can...

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What do you Need to do to Plan for Your Retirement?

When you think about the years that you are going to spend in retirement, what do you imagine? Are you spending time playing golf? Travelling to see family? Travelling to see foreign lands? No matter what you are...

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Insurance: 16 Things to do Before You Die

One of the most important things that you can do in life is prepare for your death. While this may not be an entirely cheery proposition to consider, there is a lot to life which people need to take care of, in order...

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Safety Tips for Your Boat Trailer

When purchasing a trailer in California or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the...

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Service How and When you Want

We strive to provide service how and when you want it. We love servicing your needs, so we're open extended hours, Saturdays till noon, and evenings by appointment. But there's more Website - Check out our updated...

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Common Misconceptions About Business Insurance

There are a lot of people out there who do not believe that business insurance is mandatory or important enough to warrant getting. In a lot of cases, these people are influenced by what they believe to be the truth...

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Save 10-15% on Your Insurance and Get a Free Dodger Jersey at the Same Time!

In celebration of the 50th anniversary of the Dodger Stadium, and the beginning of a new magic era full of excitement and hope, we're giving away an official MLB Dodger Jersey ($100 value!) if you purchase a new policy...

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Why Your Business Might Need Special Events Insurance

When your business is going to host an event, special events insurance may be a great option. Event insurance is a great way to have the liability coverage that is needed for legal defense in case any claims of...

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Be Safe on Your Motorcycle

To stay safe on San Pedro streets, you need the right skills to control your ride, and the best safety equipment for just-in-case. Insurance Center cares about your safety - so keep these helpful tips in mind...

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Which Cars Get Stolen the Most?

One of the factors which everyone who has a car occasionally worries about is how likely their car is to get stolen. Every year, there are thousands upon thousands of thefts reported around the US. Car thieves have...

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Are you getting married? Why wedding insurance is a must!

When you get engaged and you start planning a wedding, you want to be sure that you think about purchasing wedding insurance. Wedding insurance can be a great investment and you want to make sure that you understand...

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Top 5 Reasons Why You Need Business Insurance

Business insurance is one of the most important things that your organization can secure. With this coverage, you will be more protected and better able to deal with anything that might come your way. There are...

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Why Buy Life Insurance?

When you are looking to buy life insurance, you should be sure that you know the reason behind the investment. Spending money on life insurance can get frustrating when your budget is tight, so you want to know exactly...

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Top 5 Causes of Car Accidents

Accidents on the road are a common occurrence every day. Since there are so many factors involved with driving, being aware of every part can be tricky. However, there are some primary causes that cause accidents,...

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5 Tips to a Healthier Happier Longer Life!

Incorporating these five habits into your daily life is a great way to live a healthy and happy life. Exercise your mind on a daily basis. Make sure that you are doing something every day that will force you to think....

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Simple Road Rules to Keep Your New Teen Driver Safe

Letting your teenagers venture out into the world of driving can be scary. When you have a teenager that is a new driver, you may want to sit down with him or her and discuss how to stay safe on the road. These...

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Valentine Bling

Americans Spend 15.7 billion dollars on Valentine's Day gifts. Since getting / giving Jewelry is one most popular things, you may want to check your policy to see if you have coverage If you buy or were the recipient...

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The Most Dangerous Cities to Drive In

If you are worried about renting a car and driving on vacation or even driving in a new city, you should be sure that you understand what you are getting yourself into. This is a list of the most dangerous cities to...

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How Umbrella Coverage Can Prevent Your Ruin!

There are many people that have a hard time understanding how important umbrella coverage can be. When you are purchasing a new insurance policy you want to make sure that you get some type of umbrella coverage to...

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Flooring it on Car Fines

If you are planning on driving in California, you should also be planning on obeying the law. There has been a 30% increase in the price of fines since 2009. When you are driving on the highway or even through town,...

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Is Your Home Energy Efficient?

Drafty windows. Leaky faucets. Dirty air filters. All are common issues here in California, and they're not only annoying - they also cost you money in decreased energy efficiency and higher utility bills. Would you...

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Fire safety tips for Christmas Trees

Over 250 trees will catch fire this season. Here are tips to help avoid it being yours. When purchasing a natural tree, the most Important thing is to make sure the Christmas tree is fresh. Make sure the needles on the...

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ICA Voted Best Agency to Work For

We're very pleased to announce that Insurance Center Associates has been awarded Best Agency to Work For - West, and we were featured in a recent Insurance Journal article on the topic. As you can imagine, we're very...

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Quick tips to avoid theft around the holidays!

Thieves are more actively "shopping" as well around the holiday season. Here are some tips to avoid / reduce potential losses: DELIVERY: Industrious thieves follow the UPS / FedEx trucks this time of year, and watch...

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Are You Prepared to Fix Your Own Sidewalks?

From the DailyBreeze.com, "L.A. considers shifting sidewalk repair responsibility to property owners." Written by Rick Orlov this Tuesday October 19th 2011, the article presents an interesting situation. The city of Los...

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Looking for More Insurance Policy References?

If you'd like more information about the topics addressed in our recent blog posts, then check out the following for more details on homeowners, health, and automobile insurance. If you still have questions, know that...

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DUI=OMG

As the holiday season arrives, the smell of fresh baked goods and newly trimmed pine trees fill the air just as California's roadways fill with packed cars going to and from holiday gatherings. The California Department...

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Am I Required to Have Homeowners Insurance?

Are you currently in search of your first home? If so, then it's important that you familiarize yourself with the ins and outs of homeowners insurance and whether or not you will be required to obtain it. Learn more...

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How Would You React to a Kitchen Oil Fire?

Would you throw water on an oil fire? How about sugar? Or flour? Did you know that a wet dishcloth can be a one size fits all lid to cover a fire in a pan? Watch this video to learn a little bit about kitchen fires, and...

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Award Winning Customer Service!

Insurance Center Associates is one of two agencies who were awarded the Gold Level Customer Champion Award by Mercury Insurance Company, for achieving and providing the highest level of customer service excellence....

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Download this iPhone App: MyInsurance

Do you wish you had access to a one-stop monitoring tool for all of your insurance policies? With the MyInsurance app, you'll be able to keep track of your homeowners, car, rental, and healthcare insurance...

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Skip the lines at the DMV: Save Time and Go Online

The California Department of Motor Vehicles website has a new look! The revamped site, www.dmv.ca.gov, makes it easier for users to navigate and take advantage of the convenient online services offered by the DMV. When...

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Analyzing Different Levels of Auto Insurance

As is true of any policy type, car insurance coverage can be difficult to interpret-especially if you are unfamiliar with your state's rules and regulations regarding minimum coverage levels. Find out more about the...

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Tips for Saving Money on Your Homeowners Insurance

For most individuals, purchasing a home is one of the most significant investments made during their lifetime. Those who acknowledge this frequently decide to protect their investment by insuring their home and the...

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Insurance Information: About Different Types of Insurance

There are a number of insurance policy and package types-all of which are incredibly complex when looked at individually and in comparison to one another. But how can these be described in the simplest of terms? In this...

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Keep Your Business and Your Employees Covered with Quality Business Insurance

As a business owner, you may be faced with employee and client lawsuits, workplace accidents, property damage, and various liability issues. It is because of these potential issues that all business owners should...

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The Risk of Driving Uninsured

If you happen to be caught driving while uninsured, then it's likely you'll end up suffering from more than just embarrassment. Read on to learn more about the consequences attached to driving without automobile...

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How to Buy Homeowners Insurance

Are you psychologically and economically prepared for damage to your home or property? You'll find that homeowners insurance will provide you with a necessary buffer in both respects. Insurance Center Associates has...

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Keeping Your Auto Insurance Rates Low

Have you noticed your car insurance rates steadily increase as the years go by? Whether this is a result of your age, your car type, or your driving record, you are one of many. Luckily, there are several things...

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More Than a Tarp to Keep Your Boat Covered

Whether you own a Jet Ski, a small ski boat, fishing boat, or a 26 foot cruiser, knowing that you're covered by the right insurance should give you the peace of mind to relax and enjoy every minute on the water. What We...

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New DMV Rules on Traffic School may cost you

Sacramento -Chronic traffic offenders face a tougher road ahead, now that the California Department of Motor Vehicles (DMV) will track safety convictions in a whole new way. Beginning July 1, 2011, the courts will no...

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Summer Means More Teens in the Workplace

Business news often reports that it's difficult for teenagers to find work here in California but nonetheless, as summer approaches thousands of teenagers will enter the workforce, many for the first time. Driving - a...

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Living on Shaky Ground in California

Believe it or not, every state in the U.S. has some degree of risk from earthquakes, including California. If you live in an area susceptible to earthquakes, make sure you speak with us in order to determine whether you...

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RV & Motorhome Safety Tips

Avoid any delays and unexpected problems when you take your RV or motorhome out for what should be a relaxing trip. Follow some of our suggestions below, and consider investing in some maintenance and safety classes to...

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Revlon Run/Walk for Cancer

Please join our support our team with a donation for this great cause! We all know someone dear touched or taken away too soon from Cancer. Help us join the fight to end this disease! http://do.eifoundation.org/site/TR/...

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Cell Phone Junk Calls

Getting unwanted calls on your cell phone? Being charged for minutes? The FCC does allow you to put your cell # on the National Do Not Call Registry. Yes the same one you can use to register your home or business phone....

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Suggestions For Dealing With a Water Emergency

It's happened. There's water everywhere - in your walls, under your carpets and soaking into your belongings. Whether caused by a burst pipe, a broken water heater or flooding, there are things you can do immediately to...

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Open Enrollment for Kid's Health Insurance ends March 1st

Time is running out – March 1st is the end of the open enrollment period designed to allow parents to (apply) for coverage for children without any medical underwriting or pre-existing conditions rate ups. Don’t miss...

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Valentine Bling Insurance

Did you buy or were the recipient of something special or some bling from your sweetheart or even for yourself? Most polices provide a very limited amount of Jewelry coverage anywhere ranging between $1,500 to $3,000...

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Figure Out Your Car Insurance Needs

When choosing car insurance, you want complete coverage for the best price. There's a lot to think about when choosing your car insurance. In some states, to license your car you must: Carry liability coverage for...

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Do you need an extra car repair policy?

From a recent Yahoo! Finance Article by Jay MacDonald, On Wednesday January 12, 2011, 6:00 am EST Want to keep costly auto repairs from breaking your budget after your manufacturer's warranty expires? One option may...

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Holiday Driving

The last two weeks of December are the most dangerous driving time of the year and include the most dangerous day of the year in California. According to Allstate, more insured’s crash their cars on December 15th than...

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Insurance Center Associates Receives Customer Astonishment Award

Insurance Center Associates was awarded the first Customer Astonishment Gold Level Award given nationwide by Mercury Insurance Group. The award was given to two agents nationwide for providing world class customer...

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Small Business Insurance Basics

Insurers often combine a number of insurance coverages into a package that is sold as a single contract. The most common policy for small businesses is the Businessowners Policy (BOP). The BOP combines coverage for all...

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