CHC & M Insurance Svc
4820 Harwood Rd
San Jose, CA 95124-5200
Phone: (408) 978-2278
San Jose residents can count on CHC & M Insurance Svc to provide guidance when purchasing insurance. Visit their office at 4820 Harwood Rd or call (408) 978-2278 to talk to an agent. Serving the greater San Jose area and beyond.
If you're trying to find insurance agents in San Jose, CA or just looking to lower your rates we can help. Here are some tips to keep in mind.
- CHC & M Insurance Svc is an insurance services provider in your neighborhood and by talking with a licensed agent, you can help find adequate insurance coverages for your personal situation.
- Your San Jose car insurance rates could be decreased considerably by increasing your collision and comprehensive or 'other than collision' insurance deductibles. Should you have an automobile accident or your vehicle receives damage in a hail storm you'll be forced to pay more to have the hail damage repaired, but larger insurance deductibles mean less premium every year plus your cost savings may possibly more than replace the increased expense at claim time.
- San Jose home owners can reduce their insurance premiums simply by raising their insurance deductible. A deductible is the amount of money you pay out-of-pocket when you have a homeowners insurance claim. By agreeing to pay a higher amount, your insurance company will reduce your homeowners insurance premium. As long as you don't have frequent claims, the savings on your lower premium could add up to more than the additional deductible you have to pay at claim time.
- Safe drivers pay less for car insurance. If you tend to drive too fast, have minor fender benders, or repeatedly run red lights, you will pay higher car insurance rates. Conversely, if you are a good driver and do not file frequent claims with your California insurance company, then you will be rewarded with lower rates.