We’ve Got You Covered
At Salazar Insurance & Financial Services, LLC., we are committed to providing quality insurance services for all your needs. We help our clients manage a wide range of risks and exposures. Contact us today to schedule an appointment with one of our experts.
PERSONAL AUTO INSURANCE
ersonal auto insurance provides coverage for private passenger vehicles. If you're in an accident and found to be at fault, your car insurance will pay for the other driver's car repairs and medical care under your liability coverage. To cover damage done to your car, you need comprehensive and collision coverage.
The price of an insurance policy varies by driver and depends on factors like age, gender, and driving history. While a handful of states don't require drivers to carry insurance, most states do have minimum requirements that drivers have to meet. The minimum differs in every state, and many drivers prefer to purchase more coverage than their state's minimum. If you're financing or leasing a car, your lending company will usually require you to carry auto insurance even if your state doesn't.
You can expect to pay more for your insurance if you have a poor driving record or you want extra coverage. However, if you purchase comprehensive and collision insurance, you can reduce your premiums by agreeing to pay a higher deductible.
If you are driving your car to Mexico then buying a Mexican car insurance policy is a must. However, navigating the Mexican auto insurance landscape is difficult, and traditional Mexican car insurance policies are not well suited for the needs of foreigners driving their cars in Mexico.
Traditional Mexican car insurance policies don’t have the same structure as American policies, and many contain funny exclusions that foreigners aren’t used to or don’t expect. Moreover, they may not offer policy terms in English. As a result, foreigners in Mexico have difficulty finding insurance they are comfortable with and that provides the standards of coverage they expect.
This is where MexiPass comes in. We are Mexican Insurance… the American Way!® MexiPass offers Mexican car insurance policies that adhere to American standards. We focus specifically on satisfying the needs of foreigners driving their foreign-registered autos in Mexico. The best part? Our Mexican car insurance policies have similar coverage parts to American policies and terms are available in both English and Spanish. As such, our policies are easy to understand and there is no question about what coverage you are purchasing.
COMMERCIAL AUTO INSURANCE
Driven to Meet Your Unique Business Needs
Commercial Auto offers solutions customized to your business, whether you're looking to protect a one-person operation or a small fleet. As your business grows, our cariers offer flexible and affordable protection scales to meet your needs.
Our carriers offer a variety of customizable coverage and service options, including:
Roadside Assistance - 24/7 towing, jump-start, fuel delivery, lockout, and tire change services to assist customers when their vehicle is disabled get to a repair shop or back on the road.
General Liability Endorsement - Our General Liability (GL) Endorsement provides coverage for Commercial Auto customers when they are working on the job outside of their vehicle, and an accident or claim occurs.
Flexible Payment Plans - Options for low down payments, and cash or third-party payment channels allowed by product and state. Plans can include monthly, quarterly, or paid in full options with potential discounts associated.
Homeowners insurance protects against damage to your home and belongings from covered perils, and safeguards your assets if you're liable for someone else's injuries or property damage.
Additionally, your homeowners policy may pay for an increase in living expenses if your home is uninhabitable due to a covered loss. Get a homeowners insurance quote today and see how easily you can obtain customized coverage.
Typically, renters insurance provides three types of coverage: personal property coverage, renters liability insurance, and additional living expenses. Different insurance companies sometimes give different names to these coverage types, but in general, they all function the same way.
Personal property or personal belongings coverage is what most people think of when it comes to renters insurance. Personal belongings include things like furniture, clothing and shoes, electronics and devices, appliances and kitchen equipment, home goods such as bedding and towels, and most sports and hobby equipment such as bicycles and musical instruments. Certain personal belongings may be excluded from a standard policy if they're above a certain value, such as jewelry, artwork, collectibles, and specialized computer or hobby equipment. A policyholder will have the option to add coverage for items that exceed standard coverage limits. These policy add-ons are usually known as riders, floaters, or additional personal property coverage, and they are an affordable way to ensure you’ll be compensated if your valuables are stolen, damaged, or destroyed.
Whether you’re a road warrior seeking adventure or you’re just looking for a way to get around town, there’s nothing quite like driving a motorcycle.
As you would with a car, you’ll need insurance if you want to protect yourself, your passengers and your investment. And just as we look for the best coverage and price for you auto we will find the best insurance for your bike.
Regardless of where you are in life, there is probably a lot going on.
Taking care of your financial needs may not be top of mind. Whether you are planning just for you or your family, we have a variety of financial solutions to help you meet whatever your goals may be.
California Health Care Mandate
Beginning January 1, 2020, California residents must either:
Have qualifying health insurance coverage
Obtain an exemption from the requirement to have coverage
Pay a penalty when they file their state tax return
Make sure you have health care coverage
To avoid a penalty, you need minimum essential coverage (MEC) for each month of the year for:
Your spouse or domestic partner
Many people already have qualifying health insurance coverage through:
Coverage purchased through Covered California or directly from insurers
Medicare (Part A and C)
Most Medicaid plans