Ruiz Insurance
1026 Wake Ave
El Centro, CA 92243-9691
Phone: (760) 353-9458
Ruiz Insurance provides residents of El Centro with advice and guidance when making important insurance decisions. Their office is located at 1026 Wake Ave or call (760) 353-9458 to speak with an agent. Serving El Centro and the greater Imperial county area.
Looking for insurance agents in El Centro, CA or just trying to lower your premiums? Here are some insurance buying best practices.
- A local insurance services provider like Ruiz Insurance can help you determine the proper coverages for your personal situation. Licensed California insurance agents are trained to find possible coverage gaps in your insurance plan.
- Your El Centro 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.
- El Centro 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.
- 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.