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By: Sean B.
Zach Bay - State Farm Insurance Agent
Zach has managed my sons' college savings, my homeowner's and auto insurance, and my retirement planning for years now. I trust him with everything. He makes recommendations based off what is good for my family, not what is good for his own bottom line. He has demonstrated this professionalism and care on more than one occasion over many, many years. If you value integrity and professionalism, Zach Bay is the best you can find.
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By: Justin G.
Zach Bay - State Farm Insurance Agent
Zack and his team have supported me through a totaled vehicle, stolen items out of my car, and various documents necessary for "LIFE" that happens. I come from years and years of no accidents or even having to call my car insurance agent but the past 2 years have been crazy with issues. Zach and his team handled all of them with integrity and speed. Which is my love language. Best insurance agent in NorCal. No contest.
By: Jc C.
Robert Bishop Insurance Services Inc
Robert Bishop Insurance Services has been handling my health care coverage for several years. I just can't say enough about their customer service. They work in the best interest of this clients and even though I am on the Obama Care they still take care of me and always follow up if there a change or info I need regarding my policy.Excellent!! Excellent! Excellent!
By: On.course@yahoo.com O.
Farmers Insurance - Mike Littau
Mike has surrounded himself with an amazing team. His honesty and passion to provide you with great insurance really shines through! I highly recommend you see Mike and his team for your insurance needs!
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By: Tyler F.
Zach Bay - State Farm Insurance Agent
I have loved working with Zach. He has always been available for my questions and ideas. I would refer Zach to anyone interested in planning for future investments and retirement plans.
By: sarrah.harris2
Allstate has been good to me for over 5 years. my parents have Allstate as well. I couldn't ask for a better insurance company :-)
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By: Tiffany B.
Michelle Marks - State Farm Insurance Agent
Michelle is an exceptional agent, she treats all of her clients as if they were her family or friends. :-)
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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