Global Guard Insurance


3 Tips Your Insurance Agent Wants You to Hold On To

Before you settle on a plan and sign the premium, it’s important that you understand certain things about the way insurance works. As a business or individual purchaser, there are some tips and advice that you should hold onto before you commit to a plan.

Keep the following advice in mind when looking for cheap home insurance and motorcycle insurance quotes Lynwood, CA:

1.     Ask questions and clear your doubts

Insurance isn’t just a meaningless commitment you have to make; it’s a form of safety and guarantees for your business or personal assets, and one that you shouldn’t
embrace without question. It’s vital that you understand completely what you’re signing up and paying for. Are you unsure about the length of this contract? Do you need more clarity about the underwriter’s terms? What does the policy include? What will not be covered and included in your contract? How do you make a claim? There could be dozens of questions that are weighing down on you,
and you should ask your agent freely. It helps us to know where you stand and where you’re coming from too.

 You can also discuss other rates, and details, asking us for a breakdown and relevant information pertaining to your purchase. Speak to us about bundling multiple services too, and whether we can offer any sort of concession as a result of this.


2.      Don’t expect to find the perfect premium

While we do our best to cater to your needs, it can be difficult to find a perfectly suited, tailor-made package. This is because, despite your needs and circumstances, the underwriter sets the terms for the policy. There is an element of restriction, despite the immense flexibility, which is why the terms come down to their evaluation of the risks. 

Another important factor to consider is that your assets might be high-risk, or there are other variables that affect your case, and understanding them can help put your mind at ease.  

3.     Learn to trust your insurance provider

You’re building a long-term professional relationship, and a part of that is to develop trust. Your agent’s job is to help you get the best premium and policy, and hiding or withholding information, doubting their intentions, and rushing through the process can do you more harm than good. Your agent needs to know what you’re paying currently, or what you did previously, in order to build your case to the underwriter, and you have to make a leap of faith to trust them.

For these very reasons, it’s important that you only choose a reliable agency. We offer some of the most cohesive, budget-friendly insurance policies in all of Lynwood, CA. Contact us to know more about our services, and to speak to one of our agents.


How Much Car Insurance Do You Really Need?

With the excitement of buying your first car comes a bunch of additional paperwork and costs you didn’t want to think about—car insurance is one of them.

As you browse through the options different insurers are offering, you’ll find
yourself asking:

“How much car insurance do I really need?”

The quick answer to this is that you NEED the minimum amount your state
requires you to have. That being said, minimum car insurance may not cover all
your needs in an accident.

Are you really willing to risk your life to save money, or would you rather find a
policy that provides adequate coverage with affordable premiums?

You need to find a policy that provides the following:

·        Up to $100,000 to cover the cost of medical bills of those you may injure in an accident

·        A $300,000 cap per accident to cover all costs you may incur

·       $100,000 to cover any property damage and repairs for other

Why Minimum Levels of Liability Are Not Recommended


Although it’s tempting to go for the most affordable auto insurance policy, it’s not useful. When you’re paying for car insurance, you should be able to rely on it in your time of need.

You’ll be happy paying low monthly premiums, but in case of an accident, you’ll regret not having a better auto insurance policy.

Minimum liability insurance only makes sense when you can’t afford to pay any more money, and you don’t have any assets that can be taken from you if you’re in an accident.

If you don’t have savings or any valuable assets, you become “judgment proof”,
meaning if you lose after a plaintiff decides to take you to court, they can’t take anything from you because you don’t have assets.

Experts Advice on Auto Insurance Coverage Recommendations

Experts have developed three liability insurance levels that car owners can use as a reference when buying auto insurance.

The levels are split into three numbers.

The first and second are for bodily injury liability. This pays for the hospitalization bills of anyone who is injured due to your mistake. The first
number is the limit per person. The second number is on a per accident basis.

The third number refers to property damage; it includes the cost of repairs and
replacement of the plaintiff’s property.

Three levels of minimum liability insurance:

·        50/100/50: This level is most appropriate for anyone who has a very tight budget and owns an older car, and only drives when needed. It’s best for elderly people and college students.

·       100/300/100: This level is most suitable for middle-level income earners with adequate savings.

·        250/500/100: This level of insurance is best for car owners with a lot of money saved up. If the policy buyers can afford to invest in an umbrella that costs a million dollars or more, they should go for it to protect them from losing assets in an accident.

If you’re having a hard time finding the best auto insurance policy for you, get
in touch with Global Guard Insurance Services.
We’re a client-centric insurance services provider that is fully committed to helping our clients find insurance policies that meet their needs.

We offer reliable insurance services in Long Beach, CA. Contact us today to get an auto insurance quotes Long Beach.


What Every First-time Apartment Owner Needs to Invest in for their Needs

If you’ve saved up enough to buy an apartment
to settle in because, let’s face it, not everyone can or even wants to own a home, you should start by patting yourself on the back for this achievement.

Next, if you’ve found the right apartment to move into, you should look into the safety and general features of your home, in addition to food, kitchenware, bedroom and bathroom essentials and more. As a first-time homeowner, there are some things you should invest in, including:

1.     Security for your space

First thing’s first, your home needs to be secured. This means you should have locks for your doors and windows, peepholes and other necessary safety measures to keep away burglars and other intruders. Most buildings will have a security system, so you shouldn’t worry, but it’s still important to whatever you can to make your home safer. You can also look into buying additional locks, cameras, and other essentials.


2.      Maintenance and repairs

Now that your home is secured and safe to live in look into maintenance and repairs that it needs.
Although apartment buildings tend to have regular maintenance, it’s vital that you look into specifics. You could hire a professional contractor for this purpose, too, having them evaluate and check for water damage, electrical

issues, drywall and other such problems, so you have a ballpark estimate of all the repairs that you need.
This is especially important for the next thing that you do because your home insurance will not cover maintenance anyway. This is why getting the necessary maintenance work done before buying a premium can make a difference.

3.     Home and apartment insurance

We offer residents of Paramount, CA homeowner and apartment Insurance Paramount. Our premium helps you protect your rights as a homeowner while ensuring that your move is safe and successful. You shouldn’t have to worry about theft, damage and other issues that come with owning a home because we’ve got you covered.
Get a free quote for our homeowner insurance Paramount here, or contact us to know more about our services.

Other things to look out for include appliances and electronics, paint, lighting, and bathrooms, fixtures, and more aesthetic concerns such as décor. Buying your first home is exciting, but the checklist is lengthy—but so worth it!