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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

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Posts tagged with discount - discount

Avoid Sticker Shock For Your Teenage Driver

Author TonyScurich , 10/3/2016
Adding a teenager to your auto policy can raise your rate by more than 40%. The good news: you and your teen can reduce these hikes significantly in a variety of ways:
  1. Get good grades. Most insurance companies offer high school or college students with a B average or better a discount of up to 10%.
  2. Live away from home. Students at college or living at least 100 miles from their parents without a car can usually get a 5%-10% discount.
  3. Take an additional driving class. Although most insurance companies don’t give a discount for mandatory drivers’ed instruction, some companies will reduce premiums by 5% for teens who go to follow-up classes.
  4. Sign a parent-teen driving contract. Your insurer might offer up to a 5% discount if your teen agrees to follow such rules as not driving at night or with friends in the car.
  5. Raise your deductible. However, bear in mind that you’ll have to pay this deductible if your teen driver damages the car. If you repair every ding, you could spend a lot more than you'll save on premiums with a higher deductible.
  6. Reduce or drop some coverage. If you have an older car, you might not need Comprehensive or Collision insurance. Be wary of lowering Liability limits. In most cases, it makes sense to keep Personal Injury Protection (PIP) coverage, which pays medical expenses of anyone injured in an auto accident.
  7. Choose a safe vehicle. The higher the safety rating of your car, the lower your premiums – and the safer your teenager will be behind the wheel.
We’d be happy to help you minimize the sticker shock of adding a teen driver. Just give us a call.

Auto Insurance: Saving $$ In Your Golden Years

Author TonyScurich , 5/2/2016
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Your Auto insurance rates are based on a variety of factors such as your driving record, mileage, the car you drive and your age.

Rates are highest for drivers in their teens and early 20, tend to fall for those aged 30 to 60-something, and then start climbing again around age 70. Although drivers in this age range tend to drive less and are more mature, their vision and reflexes are declining. They're also more likely to be injured in an accident than their younger counterparts, and to suffer more severely because they're physically weaker. Also. They often drive smaller cars, which are more vulnerable to damage. Here are five ways that senior drivers can keep their Auto insurance rates affordable. :
  1. Update your mileage. You can get a discount of 5% to 10% if you no longer commute or drive long distances.
  2. Use a telematics device. A usage-based or pay-as-you-go Auto insurance program can reduce premiums by 5% to as much as 40%.
  3. Take a class. Most states require Auto insurers to offer "mature drivers" (who can be as young as 55) a discount of 5% to 15% for completing an accident-prevention course.
  4. Exclude a driver. In some states, you might be able to drop coverage on a driver who no longer gets behind the wheel.
  5. Make your car safer. Some insurance companies offer discounts for anti-theft devices, airbags and anti-lock brakes.
Bear in mind that drivers can use some of these methods at any age and save on Auto insurance by raising their deductible or reducing coverage. To make sure you get the protection you need at a cost you can afford, just give us a call.

Your Job Can Save You Money On Auto Insurance!

Author TonyScurich , 3/4/2016
4Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.

A number of insurance companies offer discounts to those in a variety of professions - everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.

Here's why: although practicing architecture or flying a plane doesn't necessarily make a driver more responsible, insurance underwriters don't have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.

A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don't commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 - which means that they're at lower risk for accidents.

Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.

Rules for discounts also vary by field. To qualify for one company's discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.

Your occupation or profession might well entitle you to a substantial discount on your Auto insurance - even if you're retired. For more information, please get in touch with us.


Possible discounts for your California teen driver

Author TonyScurich , 4/8/2015
Kid drivingAs parents, sometimes we never want our kids to grow up. It is no secret that adding a teen driver to your California auto insurance is a costly choice. In some cases, you might see your insurance premium double almost overnight when you add your teen. There is good reason for this jump in price as the Centers for Disease Controls (CDC) notes that car crashes are the top cause of death for people ages 15 to 19. There are ways you can save money though.

Take a Safe Driving Course

With accident rates disproportionately higher for teen drivers than for other segment of the population, more education can help tip the balance. Taking a safe driving course can give your teen valuable skills while teaching them to be a more defensive driver. Many insurance companies provide discounts for the successful completion of such a course.

Purchase an Older Car

While every teen wants a brand new sports car as their first set of wheels, the insurance on such a vehicle will be quite high -- especially when combined with the hit your premium will take for having your teen on your insurance plan in the first place. Consider getting your freshly-minted teen driver an older set of wheels. While new cars tend to have safety features that many older cars lack, buying a used car that is a few years old can provide you with a good compromise.

Be a Good Student

Many insurance companies want to reward teens that are also good students. While the criteria can vary depending on the insurance company, if your student is on the honor roll or dean's list, is in the top 20 percent of standardized tests or maintains a B average or above, they could be eligible for a significant discount on their insurance.

Workers' Compensation Audits: why it pays to manage overtime and independent contractors

Author TonyScurich , 3/20/2015

Workers' compensation requires an end of the policy year audit to assure proper premium is charged. This process protects both the insured and insurers. Think through this process to make it easier, and cost saving. First, choose a policy year that creates an easy audit. The calendar year works for many companies. You already must report payrolls to the US government, the paperwork is essentially done. Calendar quarters work for the same reason. If you prefer to use your corporate tax year, go ahead. If you complete quarterly profit and loss, you can use a financial quarter. But choose an annual period which already has an audit trail. Keep payroll records separate for each workers' compensation classification. Normally, this record keeping is straightforward. The same people specialize in certain tasks: clerical, sales, labor, or drivers. Some operations can be more complex. If labor crosses from one specialty to another, perhaps a carpenter helps pour a concrete slab, that payroll should be split on an hourly rate. The higher rate applies otherwise. Demand any subcontractor, for example a hood cleaning crew for a restaurant, provide a Certificate of Insurance (COI). Technically, insurance companies can charge for the payroll portion of any contracted work in the absence of a COI. If you use to a non-covered contractor, keep those records to properly assign a discount for premium. Lastly, keep records to isolate overtime pay. Overtime payroll receives a discount for premium purposes. Make audits easier. Choose a convenient policy period. Keep records for independent contractors with COIs, and payments to those without. Isolate overtime pay. Segregate individual payroll by classification if that individual works in multiple job descriptions. Your premium will be more accurate with a minimal additional management effort. And, the default position is always to increase payroll, and therefore, premium.

Lower Your ATV Insurance Premium With Seven Tips

Author TonyScurich , 3/16/2015
atvRiding ATVs with your buddies or family combines the thrill of the great outdoors with the power of a four wheeling machine. Insurance protects your investment if it's damaged or stolen, and some riding clubs require insurance before they'll allow you to join. Lower your ATV insurance premiums with seven tips. 

1. Buy a utility model. Sporty models or ATVS with bells and whistles look and ride nice, but they may cost more to insure. Utility models are often economical to insure. Likewise, keep in mind that the ATV's mileage, condition and age also affect your premium. 

2. Take a safety course. Most ATV dealers offer safety courses that include a book test and riding instruction. Your insurance company may reward you and anyone who shares your machine for knowing how to navigate your ATV safely in all terrains. 

3. Maintain a clean driving record. Your insurance premium stays low when you operate the ATV safely and only on grounds where you have permission to ride legally.

4. Store your ATV safely. Locking your toy in the garage and installing an anti-theft device on it can reduce your insurance costs.

5. Compare policies. Different insurance companies offer different deductibles, coverage options and rates, so take your time and comparison shop.

6. Use one company for all your insurance needs. Most companies give you a discount when you combine, home, auto and ATV insurance.

7. File claims only when you have to. You pay for insurance so that you can file a claim if you have to, but don't file for every little damage or your premium will rise. 

If you love riding your ATV, make sure it's properly insured. Then, use these seven tips to obtain a lower premium. Call us today for additional information on how we can help you find the affordable ATV insurance coverage you need.