By: rangerdanger
Big Valley Insurance Agency Inc
I have been working with Big Valley Insurance for well over 6 years. They have the lowest prices and on top of that, outstanding service! I like being able to pick up the phone and know they're a phone call away. They do a yearly check that ultimately saves me money.
By: amandawine
Big Valley Insurance Agency Inc
We would say that Big Valley Insurance Agency has a group of dependable people who always make themselves available. They always handle any problems in a prompt manner as well.
By: sportsfanatic
Big Valley Insurance Agency Inc
What I like best about working with Bill is that he's captive! We have established a close relationship over the years and I am happy with how he handles my insurance needs!
By: Candi A.
Big Valley Insurance Agency Inc
I have been a client for 25 + years. All of the agents provide clear and helpful information to my questions.
By: jaywildyman7
Big Valley Insurance Agency Inc
Everything is very personable and easy. We have not had any problems deal with the people here.
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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