James Morrison Insurance Svc
5973 Avenida Encinas
Carlsbad, CA 92008-4476
Phone: (760) 438-9311 | Fax: (760) 438-9355
James Morrison Insurance Svc provides residents of Carlsbad with advice and guidance to help them meet their insurance needs. Call (760) 438-9311 for a no obligation quote or stop by at 5973 Avenida Encinas. Servicing Carlsbad and the entire San Diego county region.
Looking for insurance agents in Carlsbad, CA or just trying to lower your premiums? These tips may help.
- James Morrison Insurance Svc may be able to help you find the best insurance rates in California. By using a local Carlsbad insurance agent, you have someone to contact to ask questions, review coverages and help you at claim time.
- Your Carlsbad auto insurance rates can be reduced significantly by raising your collision and comprehensive or 'other than collision' deductibles. If you have an auto accident or your car gets damaged in a hail storm you'll have to pay more to have the damage fixed, but higher deductibles mean less premium each year and your savings may more than make up for the increased cost at claim time.
- Carlsbad property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Consider taking a driver training course. Many car insurance companies will give you a discount if you've completed a defensive driver course in California. Check with your Carlsbad agent to find out if that discount exists with your current company.