Mike Kelly
3463 State St # 224
Santa Barbara, CA 93105-2603
Phone: (805) 563-2554 | Fax: (805) 569-8864
Mike Kelly provides residents of Santa Barbara with advice and guidance to help protect assets. Visit their office at 3463 State St # 224 or call (805) 563-2554 for a no obligation quote. Serving the greater Santa Barbara area and beyond.
Looking for insurance agents in Santa Barbara, CA or just trying to lower your premiums? Here are some tips to keep in mind.
- A neighborhood insurance services provider like Mike Kelly can make it easier to determine the correct insurance coverages for your financial situation. Licensed California insurance agents are educated to uncover possible protection gaps within your insurance coverage.
- Santa Barbara auto insurance can be very expensive if you're driving newer vehicles, have a poor driving record or have files many claims in the past. Some issues like poor credit cannot be immediately corrected, but you can take some steps that will immediately reduce your insurance rates such as raising your deductibles.
- Santa Barbara 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.
- You might save some money by buying a longer term policy. If you're paying monthly on your auto policy or your policy term is 6-months, you might save some money by paying the policy in full or buying an annual policy term.