Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

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Homeowners Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

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Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

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Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

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Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

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Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

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Cliff Cottam Insurance Services Blog: auto

View the latest blog posts from Cliff Cottam Insurance Services.

When you get to the rental car counter, the agent will undoubtedly start asking you if you want to buy rental car coverage. You might be confused and overwhelmed when they start rattling off all of these terms and the ramifications that could happen if you don't purchase it, but have no fear, CCIS is here! READ MORE >>

Usually when major life events, such as getting married (or divorced), having a baby, or moving come around, the last thing on your mind is how it will impact your insurance. However, once the dust (or confetti) settles, you should let your insurance agent know about these changes. READ MORE >>

Who doesn't love a good road trip? Whether it is driving by famous sites or jamming to your favorite tunes, they make for some of the best memories. But while they may seem so relaxed and problem-free, sometimes complications come up. To avoid those, it is always good to plan ahead for your trip, so you can be prepared for anything that comes your way! READ MORE >>

Homeowners are always looking for a way to better manage their finances. For most homeowners, finding a way to save any amount of money off their monthly bills is always welcomed. Fortunately, we have four ways you can reduce the cost of your auto insurance below. READ MORE >>

The rideshare industry has expanded at a fast pace since its debut in 2012. Last year, Uber executives estimated their drivers were providing 2 million rides a day worldwide. In the U.S., the growth has been so rapid that, when it comes to insurance, the nation’s regulators, insurers and drivers are all struggling to catch up. READ MORE >>

Imagine this: Your 19-year-old daughter is away at college, driving the car you bought her a few years ago. The car is titled in your name. She causes a five-car pileup. She is OK, and no one else is seriously injured. However, three separate lawsuits are filed against you as the car owner. READ MORE >>

Are you considering driving for Uber or Lyft or have you already started driving for them? Uber and Lyft offer a unique way to make some extra money with the flexibility of controlling the hours you work. There seems to be many benefits to taking a job like this; however there are a few things you should know before embarking on this adventure. READ MORE >>

For most people, saving money is exciting; it feels good! Whether you are saving money on your grocery bill or your car insurance, most people want to save money wherever possible. When it comes to cars, owning a car that is paid in full saves quite a bit of money each month. READ MORE >>

About Cliff Cottam Insurance Services Located in Sacramento, Cliff Cottam Insurance Services (CCIS) has provided insurance services for individuals and business clients throughout California since 2004. As a family-owned insurance agency, we value developing personal relationships with our customers. READ MORE >>

Do you know what coverages you have on your auto insurance policy? What are your current liability limits? Are you carrying “California State Minimum” Coverage?  If you have answered “I don’t know” to any of these questions, you need to take a closer look at your policy to see if changes should be made. READ MORE >>

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