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Sep30

What Will A DUI Mean For Your Auto Insurance?

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DUI Insurance

Getting a DUI is not only dangerous, but it is also very expensive. Between bail and getting your car out of impound to your attorney fees and insurance premium hikes, just one DUI can cost up to $15,000. Before you are able to get back on the road after a DUI, you will need to ensure that you have the right DUI insurance policy.

After a DUI, the courts need to make sure that you have the right coverage on the road. While there are no specific DUI insurance policies, you will be required to get an SR-22 certificate before you can get coverage. An SR-22 is often mistaken as an insurance policy, but it is simply a form that proves that you are financially responsible after a DUI.

An SR-22 shows the courts that you have the minimum amount of liability coverage that is required to be a licensed driver. Typically, your auto insurance provider will file it for you with the court. While an SR-22 will only cost a few dollars, you will most likely see a huge increase in your auto insurance costs because you are considered a risky driver. Not all insurance companies will offer car insurance to people with an SR-22, so make sure to check with your insurance agent.

Luckily, you will not have to suffer with high auto insurance rates for the rest of your life after a DUI. Typically, your car insurance rates will drop 3 to 7 years after you got the ticket. Make sure to let your insurance agent know when the infraction is off your record so that you can benefit from lower rates.

For all of your auto insurance needs, no matter if you have a spotless driving record or a couple issues that you have to deal with, contact Bisson Insurance Services in Yorba Linda, California.

Oct05

The Whole Family Will Love This Tasty Recipe

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Pork Chops With Garlic And Wine

As the weather starts to cool down for fall, you may find yourself craving a delicious, warm dinner. Keep this simple pork chops with wine and garlic recipe in mind that is sure to be one of your new favorite comfort foods.

Ingredients:

  • 1 tablespoon butter
  • 2 tablespoons olive oil
  • Salt and pepper
  • 4 whole pork chops, medium to thin
  • 18 whole peeled garlic cloves
  • 1 ½ cups red wine
  • ½ cup beef broth
  • 1 whole bay leaf
  • 1 tablespoon balsamic vinegar
  • 1 tablespoon butter, additional

Instructions:

  1. Heat the butter and oil in a heavy skillet over high heat. Season both sides of the pork chops with salt and pepper and sear them on both sides until they are golden, about 2 minutes. Remove the chops from the skillet and set aside.
  2. Reduce the heat to medium-high and throw in the whole garlic cloves. Stir them around and cook for several minutes, until they are golden brown.
  3. Pour in the red wine and add the bay leaf. Stir around and let reduce, raising the heat if necessary. Cook the sauce for several minutes until it is reduced and thick.
  4. Stir in the broth and add the pork chops back into the liquid so that they are swimming in the sauce. Allow the pork chops to cook for a few minutes and pour in the balsamic. Shake the pan to distribute it evenly and cook for a couple more minutes until the chops are done.
  5. Take the chops out of the pan and let the sauce reduce until it is very thick and the garlic is soft. Swirl in 1 tablespoon of butter and sprinkle with salt and pepper.
  6. Arrange the pork chops on a platter, and pour all the sauce, including the garlic on top, and enjoy!

All of us at Bisson Insurance Services in Yorba Linda, California would like to encourage you to try this tasty recipe this fall!

Sep25

Don’t Make These Common Mistakes With Your Homeowners Insurance

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Home Insurance Mistakes

Choosing the right homeowners insurance policy is the best way to protect your house. However, finding the right policy can be much easier said than done, especially if you are looking for your first policy. Don’t make these common, and expensive, homeowners insurance mistakes when looking for your next policy to ensure that you are able to invest in the perfect policy for your specific needs.

  • Underinsuring your house – many homeowners make the mistake of insuring their home for the market value and not for what it would cost to rebuild. Many times, the market value of your house is much lower than what it would cost to completely rebuild your home after a covered peril, which can leave you uncovered.
  • Thinking you have flood insurance – even though your home insurance policy will provide protection for many unfortunate situations, it will not provide any coverage for a flood. You will need to invest in a specific flood insurance policy in order to keep your home and personal belongings protected.
  • Assuming you have a single, flat deductible – for most perils that hit your house, you will most likely only have to pay one deductible. However, after severe storms or other natural disasters, you may have to pay a percentage-based deductible. Talk with your insurance agent so that you know exactly what your deductible is.
  • Not considering mold damage – typical home insurance policies will not provide any coverage for mold or will have very strict and low limits. Mold insurance can come with a high price tag, so consider where your home is located and its risk level before choosing a policy.

Contact Bisson Insurance Services to ensure that you have the right home insurance in Yorba Linda, California. We will work closely with you to ensure that you have the coverage that you deserve, all at the right price.

Sep21

Closing On A House? Make Sure You Do These Two Things

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Home Inspection And Home Insurance

The closing process when buying a house can be one of the most exciting parts of the real estate process. As your lender gets ready to close the loan, there are a couple of steps that you need to take to get your house ready, including getting a home inspection and starting to shop for a homeowners insurance policy.

A home inspection is meant to ensure that you do not buy a house that has serious issues that were previously known. Your purchase offer for the house should be contingent on the home inspection report so that if there are any major, expensive issues, you are able to walk away from the sale without facing any penalty. There are several main areas of the house that will be inspected, including the plumbing, windows, doors, heating, roof, pests, cooling, siding, and electrical systems. Home inspections can cost up to $500, but will help to give you the peace of mind that you deserve when making a huge financial investment.

After your home inspection comes back and you continue to move forward with the purchase of the house, you will need a homeowners insurance policy to protect your new investment. There are two main types of home insurance policies to look into – a cash value policy and a replacement cost policy. With a cash value policy, your house and all of your belongings will be covered for their market value, which means you will only receive a payout for the depreciated cost. Replacement cost policies will provide coverage for the current cost to replace any destroyed items. While replacement costs are more expensive, it will provide complete coverage in case you have to rebuild your house after a disaster.

When looking for the right home insurance in Yorba Linda, California to protect your new house, contact Bisson Insurance Services.

Sep16

4 Apps All Homeowners Should Have

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Apps For Homeowners

Smartphones have changed the way that people use their cell phones. No longer are cell phones just for making calls when you are on the go. Smartphones are mini-computers that allow you unlimited access to any information that you want. They are also helping to make your life as a homeowner much easier. Consider downloading these apps that can help to benefit all homeowners.

  1. HomeSavy – if you have trouble keeping up with all of your home maintenance tasks, you will love this app. It will allow you to create a plan for all of your home maintenance needs and will send you alerts to make sure that you do not forget about any chores that you have to do.
  2. Billminder – paying your bills on time is one of the best ways to keep your credit score where it should be, which is vital as a homeowner. Enter your bills into this app and it will sort them by the due date and alert you before each bill is due to make sure that it gets paid on time.
  3. BrightNest – keep your house looking its best with the free app. Keep your house neat and clean with the easy to follow instructions on the app. It will also let you set a regimen and send you alerts to ensure that your house is spotless.
  4. Aroundme – if you just moved to a new area, you may have no idea where your local grocery store is or where you should grab a drink on the weekend. This app will let you know what is around you so that you can get comfortable in your new neighborhood.

Along with these apps, having the right home insurance can help to ensure that your house is running its best. For the most comprehensive, cheap insurance that will meet all of your needs, contact Bisson Insurance Services in Yorba Linda, California.