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                          ENewsletter                                            

October 26, 2010                                        Call us today at (800) 807-6871

In this Issue                                        

  • Halloween Safe Driver Campaign
  • Get Social with Us
  • Home Renovations means Review of Homeowners Policy
  • Renters Insurance is affordable
  • Website Updates (Partner with Business Webpage) 
  • Insurance Commissioner Nominee
  • Employment Opportunities

Halloween Safe Driver Campaign                        
We are proud to sponsor a public service announcement to help "keep our trick and treaters safe" on Halloween.  We want to do our part to remind drivers to be extra careful with driver safety tips.  This will be aired on AM Sports Talk Radio 1140 October 25th through October 29th. You can hear our last message Friday night at 10:25 pm.      

Get Social with Us
Make sure you check out our blog, follow us on twitter, or join us on facebook.  We know that insurance is not the most interesting topic.  But, it is important for you to stay informed to protect your family and business.  This is why we will shuffle through the realms of auto, home, and business information that is pertinent to you.  Take a moment to check it out on our blog!

Did You Know

That if you have made extensive home renovations, you should review your Homeowners Insurance Policy.  Let’s say you just remodeled your kitchen and bathroom.  That is great!  However, you could be underinsured if an accident or disaster occurs.  Contact us for a free consultation to make sure you are fully protected.

Many people don’t realize that renters insurance is very affordable.  The average cost of renters insurance is about $12 per month for $30,000 of property coverage and $100,000 of liability coverage according to the Independent Insurance Agents & Brokers of America.  The liability coverage will pay for medical bills and legal defense fees if a guest falls or is injured in your home. And, if someone breaks in and steals your computer or television, you will not be covered unless you are insured.  Your landlord will only insure the building. 

Website Updates

Online Calculator
Visit our website to see just how much your auto payments will be when purchasing a car.  Or, compare the cost of leasing a car versus buying a car. Find out if you should rent or buy a home as well as many other auto and home calculations. 

It’s easy and quick.  Just click Calculators located on our navigation bar.  This a great tool to help you make financial decisions for your auto or home.

Coming soon is our "Partner with Business" webpage 
This page will feature community businesses and may provide discounts to consumers.  We will highlight community businesses to help them grow as well as help people save money.

Contact us if you are interested in placing your business information on our website or have a community project you need help with.  Click Contact Us or call (800) 807-6871.  

Get Instant real time quotes
You can get an online Auto quote in real time from Mercury, Progressive, or American Collectors Insurance.  We anticipate adding real time quotes for your Home and Renters Insurance in the near future. 

Insurance Commissioner Nominee

Assemblyman Mike Villines is the Republican nominee for Insurance Commissioner.  Diana and Cliff Cottam recently met him at the Agents Alliance 2010 Convention.  This was a great opportunity for us to discuss our views and issues facing the industry. 

Key points from an interview aired on Insurance Journal Radio. 
Consumer groups have criticized Villines for being too closely aligned with insurance companies, but he notes he has taken no money from insurance companies and touts his record as an independent, pragmatic businessman who will put the protection of consumers first.

I'm a former business owner … That's one of the reasons why I want to run for this seat," Villines said. "The insurance commissioner in California's job is a nonpartisan job. It really isn't a Republican/Democrat job. He'd also like to see rates and new products approved more quickly, which he'd do with an improved customer service approach at the department. He said California is notorious for taking a year or more to approve new products, when some states do it in 60 to 90 days.” 

We know from personal experience that rate approvals need to improve.  This has adversely affected California consumers in the past year (especially when the rates are lowered).  We believe Mike Villines is the best candidate for Insurance Commissioner and support him in seeking this office.

Employment Opportunities

We are partnering with Mira Loma High School and Los Rios Community Colleges to hire two students. This collaborate effort will help develop students for their future careers as well as ensure that we continue to give you the best customer service.

The internships will be for a General Office Assistant and a Social Networking Engineer.  The Social Networking Engineer job will be posted on the Los Rios Community website  We anticipate bringing someone onboard in January 2011.

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