Auto Insurance AUTO

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

Read More
Homeowners Insurance HOMEOWNERS

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

Read More
Flood Insurance FLOOD

Typical homeowners policies exclude flood damage. Get coverage now.

Read More
Earthquake Insurance EARTHQUAKE

Earthquake claims are best covered with a standalone policy.

Read More
Business Insurance BUSINESS

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

Read More
Life & Health Insurance LIFE & HEALTH

Learn about different health coverage options that fit your needs.

Read More

Summer 2010 Newsletter

July 21, 2010 Brought to you by Cliff Cottam Insurance Services

Sweepstakes winner of the Apple Ipad!

Joe Fritz receiving his new Ipad from Anne Siebum Agent/Partner of Cliff Cottam Insurance Services

Joe Fritz is our Spring Sweepstakes winner!  Anne Siebum, Agent/Partner is shown presenting Joe with his prize.

Thank you Joe for your referrals!  We also want to extend a thank you to all of you who have referred customers to our agency.  We sincerely appreciate your efforts and will work hard to provide excellent customer service.

How are we doing?  
In a continuing effort to improve our customer service, we would like to know what you think?  Let us know your ideas good or bad.  We will evaluate your suggestions and make changes if possible.  Here are three easy ways to let us know:     
1.  From our website fill out the Comment section on our "Contact Us" page
2.  Email us at or,
3.  Give us a call at (916) 488-4426

People and service are important to us!

Website Updates
Since the release of our April Spring Newsletter, we have added many online features to our website.  Our clients can now make payments, request policy changes, or ask any question 24/7. 

We have added a "Frequently Asked Questions" page so you can get answers at any time.  Check out the links we have added to our "Important Links" page:

  • The Kelly Blue Book/Edmund's - - to find out what your auto is currently worth
  • DMV's 2010 Driver Handbook - - to brush up for your driving test
  • Sac Bee Classified - - to find a home online
  • AM Best - - to check out a company's rating  or,
  • Insurance Institute for Safey - - to keep you informed on highway safety 

And lastly, we have added a blog to keep you up-to-date on hot topics.  This is only the beginning.  We will continue to expand our online features and believe these new additions will better serve our customers!
Did You Know
Sometimes the value of a car is less than the balance on your car loan. There can be several reasons for this. Interest rate changes may have increased the amount of your loan. Rebates may not have been applied to the purchase price, or poor maintenance of the auto may have reduced its value.

The insurance company bases its payments on the actual cash value (acv) of the car, not the amount of your loan. You may be able to purchase a special type of insurance, known as guaranteed auto protection (gap), when you buy a car. Gap insurance covers the difference between the acv and your loan amount.  Let us know if you are interested in this protection.

Take Pictures or a Video of Your Belongings
Homeowners who maintain an accurate home inventory tend to collect more reimbursement when filing an insurance claim. Yet less than 20% of homeowners have a current home inventory record.   It's a good idea to take pictures or make a video of the items in your home. If you take pictures, write the details of the items on the back of the picture. If you make a video, narrate as you walk from room to room (what items are in the room, when and where you bought them and for how much). Photographing or videotaping your home’s inventory can be especially helpful if items are hard to describe on paper, or for items for which you no longer have a receipt.

Homeowners Insurance may not pay to replace everything
Most homeowner policies have "dollar limits" on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs, and computers. The limits usually cover losses of the average person. Give Cliff Cottam Insurance Services a call today to make sure your limits meet your individual needs. 

Auto Legislation - - Prop 17
Proposition 17 was the measure known as the “Continuous Coverage Discount Initiative”.  It was proposed to allow insurance companies to offer new customers a discount on their auto insurance premiums.  It would have benefited more than 80% of drivers who maintain their auto insurance coverage by making them eligible to take their continuous coverage discount with them if they changed insurers.  Unfortunately, this proposition did not get voter approval.  

Expanding our business
To better serve you, we will be hiring staff in the next year.  We currently are looking for an Independent Insurance Agent.  If you know anyone who may be interested in joining our firm, refer them to our website or give us a call for more details.

To receive a free e-newsletter subscription click join our newsletter.

© Copyright. All rights reserved.
Powered by Insurance Website Builder