Paul's Blog

Cheap car insurance in California

Paul Nadler (Nadler Insurance) — Tue, 11 Aug 2009 13:32:20 -0500

Owning a car can be expensive in California. The basic costs of maintaining a vehicle and the ever-increasing price of fuel can make running your car a costly issue, even without factoring in car insurance coverage. If like most people, you are keeping a tight rein on your budget at the moment and cutting costs where possible. It makes sense to shop around for a cheap auto insurance policy that suits your needs yet still protects your investment.

Looking online at different carriers is a practical and time saving method of comparing different policy costs. Most reputable car insurance carriers offer estimates in the form of online quotes, allowing you to shop around and compare the different products offered without leaving home.

Nadler Insurance offers you competitive rates for all your auto insurance requirements. You can obtain a free quote online for auto policies that provide property, liability and medical coverage. There are a range of options available, from minimum liability to more comprehensive coverage's. If you prefer old fashioned customer service, give us a call and our friendly consultants will supply a cost-free estimate for the policy that best suits your needs.

A new route for California auto coverage?

Paul Nadler (Nadler Insurance) — Tue, 07 Jul 2009 15:35:39 -0500

Auto insurance in the great state of California may be taking a turn in the near future. This change may be good news to some folks who are looking to save a buck or two while our country suffers its economic woes.

Let’s call it pay-as-you-go auto insurance. The idea is somewhat similar to the prepay cell phone deal. Your insurance costs are primarily determined on how much driving you do. You drive a lot, you pay a lot. You drive a little, you pay much less. This new idea for auto insurance will excite many drivers who choose not to drive so much. Many people have short commutes, enjoy walking, biking, or even taking the bus, so this could work well with many lifestyles. Pay-as-you-go car insurance gives the consumer more control in how much they are spending. And in a time when budgets are tight, the opportunity to save money will be appreciated by many.

Another positive aspect to the pay-as-you-go auto insurance initiative is that it aims to lessen the congestion on our roadways. Less traffic means fewer accidents, fewer injuries, fewer insurance claims, fewer pollutants, etc.

If you need more information on auto insurance Nadler Insurance will provide you with everything you need to know. Contact us today!

Is Collision Coverage Needed?

Paul Nadler (Nadler Insurance) — Thu, 28 May 2009 15:57:04 -0500

Collision coverage is an important part of most auto insurance policies. Collision coverage covers the cost to repair damages to your own vehicle in an accident that you cause. If you are involved in an accident that another person or vehicle causes, it will be their responsibility to fix your vehicle and your collision coverage is not needed.

But when is collision coverage unnecessary?

While many people have collision coverage added to their auto policy, which can significantly raise your auto premiums, many are unaware that it is not really a necessity. For example, as the appraised value of a car decreases, the owner will decide whether it is worth the extra costs in premiums. If you cause an accident that has damages exceeding the value of the vehicle, collision coverage is probably not worth it.

Contact Nadler Insurance Agency for a free quote on auto insurance today!

New Cell Phone Laws Help Lessen California Car Accidents

Paul Nadler (Nadler Insurance) — Tue, 12 May 2009 11:00:42 -0500

Cell phones have become a necessity for most of us in our everyday lives. Whether it is making important business calls, texting your girlfriend, checking your email, or snapping a picture, cell phones have become a prevalent part of our on-the-go lifestyle. The problem is, cell phone use behind the driver’s seat is really dangerous and is a major cause for concern across the nation. Approximately 25% of accidents are caused by drivers who are disturbed behind the wheel and some states have decided to do something about it.

California has stepped up to the plate in mitigating phone related accidents. In 2008, CA banned the use of all hand held cell phones while operating an automobile. Drivers over the age of 18 are permitted to use hands free devices. All drivers under the age of 18 are not allowed to use either a hands free or hand held cell phone. As of 2009, all drivers are banned from text messaging or emailing while driving a vehicle.

Hopefully, other states will follow suit in CA’s attempt to make our roads a safer place.

Nadler Insurance is a local, California insurance agency that specializes in personal insurance products. We will provide you with an auto insurance policy that will protect your finances and assets if needed. Fill out our quick and simple form to receive a quote on California auto insurance today!

Driving Safe this Memorial Day

Paul Nadler (Nadler Insurance) — Tue, 28 Apr 2009 07:52:19 -0500

The holidays are a dangerous time to be on the road. Statistically, accidents jump considerably around major holidays, including Christmas, Thanksgiving, July 4th, due to the amount of partying and drinking going on around the country. As Memorial Day approaches later in May, be aware of the dangers present on the roads and how to prevent unforeseen accidents and auto insurance claims.

The first step to take towards safer driving is to SLOW DOWN. Ask yourself if fast driving is actually worth it. Almost 100% of the time, speeding is pointless, hazardous, and dangerous. It will only create a problem that is unnecessary and quite possibly fatal. A third of fatal car crashes are due to speeding according to the Insurance Institute for Highway Safety. Not only will you be greatly decreasing your chances of being involved in an accident but you will not be fined for speeding by the police.

Another important aspect to safe driver, that many people ignore, is driving sober. If you have any question of whether or not you are safe to drive, you’re probably not. There are options you can take to getting a safe ride to where you need to go. If you want to have a few beers over memorial day, or any day, get a friend to drive, a cab, a limo, a bus, walk, anything. DO NOT get behind the wheel. Driving while intoxicated will impair your ability to effectively drive a vehicle and will cause you to crash. It will result in a death or injury and you in jail. There is no benefit to drinking and driving.

Nadler Insurance encourages everybody to drive safely over the holidays and at all times. Be aware of the hazards present around the holidays and dangers that other drivers cause as well. Nadler Insurance will help you acquire an auto insurance policy that is both affordable and protective. Visit our virtual insurance office for a free California auto insurance rate quote.

What you need to know about homeowners insurance

Paul Nadler (Nadler Insurance) — Wed, 15 Apr 2009 09:02:41 -0500

Your home is your biggest investment and protects your family from the elements. Treating it kindly will keep your most precious assets safe. When shopping for your first homeowners policy or your next home insurance policy, you should research the types of coverage’s available to you.

A standard California homeowners policy generally has four main components.

Coverage for the structure. Possibly the most important aspect to your homeowners policy. This component will protect your home from fire, storms, and other disasters (some exceptions may apply). Know what your home is worth. Talking with your California insurance company and a local builder will help you determine this number.

Coverage for the contents. Most policies will cover the valuables and assets housed in your dwelling. It’s smart to take pictures and an inventory of your possessions in case they are destroyed in a disaster.

Liability protection. If someone is injured on your property, liability coverage will help cover the costs involved. This type of coverage is vital if you are given a lawsuit from someone’s injury.

Reimbursement for additional living expenses. If your home is destroyed and other arrangement are needed. This component will cover expenses such as hotel bills, restaurants and transportation costs.

Nadler Insurance will shop the top carriers in the country to find you homeowners insurance that you can rely on. Visit our virtual insurance office or contact one of our dedicated agents today to receive a free quote on home insurance.

Boat/Watercraft Safety and Insurance

Paul Nadler (Nadler Insurance) — Mon, 30 Mar 2009 16:09:00 -0500

There are thousands of boating accidents each year. Accidents on the water can be devastating and cause life-threatening injuries. Many times, boating accidents are must more dangerous than auto accidents because of the lack of protection; seat belts, openness.

Follow these boating safety tips to avoid potential boating incidents:

Check weather forecast before heading out
Check all systems; fuel, engine, steering, lighting, warning sounds
Make sure there are enough life jackets for all people aboard and insist they wear them
Know and obey marine traffic laws
Never operate a boat under the influence of alcohol or drugs

Paul Nadler Insurance provides top coverage on your boating insurance needs to give you peace of mind while you’re out on the water. We encourage you to practice safe boating practices but also to purchase a good boating policy in case of an accident. Visit our virtual insurance office to receive a free quote on boating insurance or call us today!

Money-Saving Tips for Homeowners in the San Francisco Bay Area

Paul Nadler (Nadler Insurance) — Wed, 11 Mar 2009 10:27:08 -0500

With the current economic climate of our country, money is tight. Everything costs more these days – whether it be high food costs, soaring gas prices, or astronomical property expenses – people are looking for ways to save. You may be surprised to learn that living in a coastal state or an area prone to natural disasters, such as the San Francisco Bay Area, can raise your homeowners insurance costs. But there are steps you can take to keep them at bay and under control.

Upgrade your home and keep up with maintenance procedures – this is possibly the most important and effective step in keeping homeowners insurance costs down in coastal areas. Adding a new roof or storm resistant windows to the house will help your house in the event of a hurricane or other natural disaster
Keep current on home security and alarm systems – installing a burglar alarm and dead bolt locks can lower insurance costs, as well as having a sophisticated fire alarm and sprinkler system.
Raise your deductible to lower your premium – depending on how high you raise your deductible, you can dramatically lower your premium
Combine your homeowners policy with another insurance product through Nadler Insurance and save up to 30%. Nadler will analyze your insurance needs and develop a plan that will help you save!

If you're in the San Francisco Bay Area, contact Nadler Insurance for more money-saving tips for your homeowners insurance plan, or visit our website for a free online quote from our virtual insurance office!

Safety Tips for Group Motorcycle Riders

Paul Nadler (Nadler Insurance) — Wed, 21 Jan 2009 21:44:51 -0600

Are you the kind of biker who likes to ride in groups? You don’t have to be the Hell’s Angels to love it – in fact, most bikers seek out other riders so they can enjoy their bikes together.

Here are a few things to keep in mind when riding in groups:

• Ride to the level of the least experienced rider in the group. If someone inexperienced is trying to keep up or show off, it could result in an accident.

• Use disciple, hand signals, and pit stops every 80 miles or so.

• The only person allowed to ride last should be the person designated to do so. The person designated can keep a head count and ensure that no one is left behind at rest stops.

• No one should go off riding alone.

• Review the route with everyone in the group periodically.

• Decide beforehand and discuss how to handle lane changing and how to handle a situation where the group breaks apart.

• Make sure everyone is familiar with the hand signals.

• Have everyone make sure their bike is working perfectly before the trip/ride.

With everyone in the group’s participation and responsibility, you’re sure to have many amazing bike trips. Remember: you can’t enjoy tomorrow's ride, unless you make it through today's!

For more information on motorcycle insurance and safety, contact us today! We’re Nadler Insurance, an independent insurance agency based in San Carlos, California.

Renters Insurance: Just as Important as Homeowners Insurance!

Paul Nadler (Nadler Insurance) — Mon, 08 Dec 2008 22:39:29 -0600

Any smart homeowner will immediately purchase homeowners insurance to have peace of mind that their home and everything inside of it is protected in an unfortunate situation. But you’d be surprised to know how little renters insure their apartment or condo.

It’s strange because it’s the same basic idea: protect what you have. However, for some reason, renters seem to think that since they don’t own the apartment, it will be fine. While the building owner may have the place insured, that never covers what’s inside the walls of your apartment or condo.

And when it comes to apartment life, there’s no telling what your neighbors will do. What if the old lady who lives alone a few doors down falls asleep while smoking in bed and a fire breaks out? Would your possessions be covered? Just because your landlord has insured the building does not mean that includes your flat-screen TV, your Wii, or your laptop. Not to mention everything else inside your apartment.

You should treat your apartment as a home. It’s silly to think up excuses like “it’s too expensive” or “I don’t have anything I’d care about losing.” Trust us: when your upstairs neighbor has a leak that drips down and destroys your closet and everything in it – you’ll be upset.

For more information on renters insurance, contact us today. We’re Nadler Insurance, an independent agency based in San Carlos, California.

Reduce Risk of Workers Comp Claims by Enforcing Safety Precautions

Paul Nadler (Nadler Insurance) — Fri, 05 Dec 2008 18:44:19 -0600

Workers compensation is one of the very oldest types of coverage. Benefits include covering expenses as well as compensation for loss of income if an employee is injured while working. Workers comp is required by law in all fifty states and also protects businesses from lawsuits.

A great way to prevent employees from injuring themselves at work is to understand basic safety tips. Here are a few universal office and workplace safety precautions:

• Provide a step-stool in areas where there are high cabinets or shelves. This will prevent employees from trying to boost themselves up with boxes, chairs, or other unstable objects.

• Properly train your staff on how to lift heavy items. This will reduce the chance of employee back injury.

• Provide chairs for staff that are comfortable enough so that employees don’t suffer back pains.

• Provide ergonomic keyboards to prevent carpal tunnel syndrome.

• Train employees to be extremely careful when using a razor blade or other type of box opener. Make sure they know to retract the blade when they’re finished as well.

• Hold bi-yearly safety meetings.

• Don’t allow employees to leave desk drawers open. Many accidents are caused when these desk drawers trip others.

• If you have a hot-water tank, make sure everyone understands that the water is boiling.

If you keep your staff well-informed on these safety rules, along with other common office safety rules, the chance of workers comp claims will be greatly reduced.

Want to know more about workers compensation insurance? Contact us today! We’re Nadler Insurance, an independent agency in San Carlos, California.

Safety Against Wildfires: What Kind of Homes Insurance Carriers Like in San Carlos, CA

Paul Nadler (Nadler Insurance) — Thu, 28 Aug 2008 19:51:36 -0500

California and wildfires are synonymous by now – at least 1,500 homes were destroyed by fires in 2007 alone. It’s nothing new, but it does happen, and it creates a bit more consideration to give when buying a home in the Golden State.

Before you attach yourself too strongly to a house in Cali, you need to find out what your insurance company is going to require, as lots of insurance companies won’t even insure you if you’re in a high-risk area or if your home isn’t well-protected. Below are a few things that insurance companies love. Maybe you can fall in love with a house that:

• has a tile roof

• has an alarm system that includes fire

• is near a fire station

• has indoor overhead sprinklers

• is made of stucco

• has tile, concrete, or other non-flammable surfaces around and inside

• has good clearance around the the perimeter from brush, trees, and flammable structures

• has landscaping that is fire-retardant

There are other ways to protect your home against the angry wildfires. Many homes that were saved during fire season are those that had fire-retardant succulent plants or fire repellant ground covering around the home’s proximity.

Having trouble finding a home insurance company to insure you? Paul Nadler Insurance (NadlerInsurance.com) is an independent insurance agency in the San Carlos area that can seek out the best carrier for you. A representative will work with you to decide on a policy that makes you comfortable.

Paul Nadler Insurance is an independent insurance agency in the San Carlos, California area. To learn more about San Carlos, San Mateo, and Redwood City home insurance, contact them today.

Don’t Let Your Car be Caught With Its Pants Down: Auto Insurance in San Carlos, CA

Paul Nadler (Nadler Insurance) — Wed, 20 Aug 2008 15:33:31 -0500

So many car owners attempt to get by with only getting the state-required amount of auto insurance, but not having the appropriate amount is equal to committing fiscal suicide. If you’re involved in an accident – and it happens to everyone – the repair and damage costs can sprout into a massive number, making it difficult for you to get by financially. In some cases, you may even have to do without a vehicle for awhile.

That’s why it’s so important to cover your car’s “needs.” You’ll need to find an insurance agent, such as NadlerInsurance.com, that can offer you the best price for your own tailored policy. Finding the right agent means that they will determine what risk factors you have and help you reach a place where you’re comfortable with your coverage.

Factors that go into determining your risks are based on your gender, age, occupation, driving record, type of vehicle, and where you live. These are obviously things that you can’t always control; however, choosing which coverage to purchase will be up to you:

Your agent will make recommendations (see below), but it’s up to you to decide what makes you feel safe when it comes to your auto. The types of coverage that are normally strongly recommended by agents are Liability Coverage, Comprehensive Coverage, and Collision Coverage. Liability will cover any damages you cause when you’re involved in an accident. Collision covers damage to your own vehicle in an accident, and Comprehensive covers damage to your vehicle that is not accident-related, such as damage caused by a natural disaster, vandalism, or theft.

Your agent may also tell you that it’s not a good idea to settle only for the minimum coverage required by law. This isn’t just an attempt to up-sell you; it’s true. Again, not having the appropriate amount is equal to committing fiscal suicide! Besides, the more auto insurance you buy, the cheaper your policy will turn out to be, meaning you’ll get more coverage with just a slight increase in your cost.

Don’t let your car be caught with its pants down – make sure it’s well-protected.

Paul Nadler Insurance is an independent insurance agency in the San Carlos, California area. To learn more about San Carlos, San Mateo, and Redwood City auto insurance, contact them today.