Part 2 of this series focuses on what happens when you break the law or are involved in accidents and how they affect your auto insurance in California.

Posted by & filed under Auto Insurance.

California, and southern California in particular, is as well known for car culture as it is for swimming pools and movie stars. This is no surprise considering California is the third largest state and most major cities sprawl into miles upon miles of suburbs. In other words, it’s difficult to get by without personal transportation.

Unfortunately, our love of the open road has led to an overabundance of personal vehicles, resulting in epic daily congestion on major roadways, as well as frequent automobile accidents. As a result, auto insurance is an important topic for many Californians.

If you already read Part 1 of this series, you are aware of minimum standards for auto insurance coverage, as well as rules regarding teen drivers.

Part 2 of this series will focus on what happens when you break the law or you are involved in accidents and how these scenarios affect your auto insurance in the state of California. We’ll also discuss the penalties for those that are improperly insured or those that abuse their driving privileges.

Lack of Insurance Coverage

If you have a full-coverage insurance policy (as most drivers paying off an auto loan do as a condition of the loan contract), you have nothing to worry about. This type of policy provides the greatest level of coverage and is almost certain to meet and exceed minimum standards.

If your car loan is paid off, however, you can step your insurance coverage down to a liability policy, just for example. This is where you have to be careful. The onus is on you to make sure that you meet the minimum standards for coverage under California law.

Penalties for driving uninsured (or without meeting minimum requirements) include fines that increase the more times you are cited and potential fees for towing and impoundment. Such penalties could add up to hundreds of dollars that might be better spent on proper auto insurance.

Fault in an Accident

Unlike Florida, California is not a no-fault accident state. This means that if you are deemed to have caused an auto accident, you will be responsible for covering damages to property and medical bills for those injured during the accident. More to the point, your insurance company will have to pay.

When this happens, you’ll likely find yourself facing penalties. While some insurance providers offer accident forgiveness, levying no penalties for the first accident for which you are at fault, not all insurance companies or policies have this feature, and some do not offer it in California specifically.

As for the types of penalties you’ll face following an accident that is your fault, you’ll likely see an increase in premiums and your provider could even drop you. Don’t forget, tickets for moving violations (speeding, running red lights or stop signs, etc.) could also result in higher rates.

However, California has the option for drivers to attend traffic school as a way to dismiss a single citation for a traffic violation (in an 18-month period). So long as you don’t get another ticket in the following 18 months, your insurance provider will have no reason to increase your risk factor and your insurance premiums.


Driving under the influence of alcohol or drugs is illegal, and you will likely face penalties from both the state and your insurance provider when you receive a DUI. On the insurance side, you will be required to obtain an SR 22 form should the DMV suspend or revoke your license following a DUI arrest.

This certificate of insurance shows that you meet insurance liability coverage minimums for the state of California and it can only be obtained from your insurance provider, so there’s a good chance they’ll become aware of your DUI. This, in turn, could result in higher rates for coverage or the cancellation of your auto insurance policy. In other words, drinking and driving simply isn’t worth it.

In this two-part series we'll discuss some of the potential pitfalls associated with auto insurance in California. Part 1 deals with state driving laws.

Posted by & filed under Auto Insurance.

In the state of California, all drivers are required to carry automobile insurance. This measure is intended to make drivers responsible for any accidents they may cause so that the burden for damages and medical liability doesn’t fall to the state or to others involved in accidents for which they were not at fault.

Auto insurance coverage is something that is regulated on a state-to-state basis. Some states have no-fault laws while others don’t even require drivers to carry auto insurance. If you plan to drive in California, it’s important to understand how insurance laws work. Otherwise you could end up in hot water (and in debt).

In this two-part series we’ll discuss some of the potential pitfalls associated with California auto insurance should you fail to understand your obligations. Part 1 deals with California state driving laws and how they affect your insurance, as well as the detriments of failing to do your homework when it comes to purchasing auto insurance.

Minimum Insurance Requirements

California state laws have mandatory minimum requirements for liability coverage, and a failure to meet these standards is tantamount to breaking the law. You should therefore be aware of requirements as a matter of personal responsibility.

In terms of minimum coverage for bodily injury liability, the California Department of Insurance lists minimum coverage at $15,000 for injury or death for any one person involved in a single accident or $30,000 for injury or death for all people involved in a single accident. You can add to that property damage liability, which amounts to $5,000 for any one accident. This is why California liability insurance is referred to as 15/30/5.

As an alternative, you may present cash deposit or surety bond in the amount of $35,000 to the California Department of Motor Vehicles in lieu of insurance coverage, but obtaining appropriate auto insurance is likely the more economical and convenient option for the majority of drivers.

Teen Drivers

There’s no getting around the fact that teens have the highest risk for automobile accidents, due to several factors including their inexperience, their susceptibility to peer pressure, and the fact that they can be easily distracted by loud music or friends in the car. As a result, California passed a graduated driver’s license law.

Teen drivers can obtain an instructional permit at age 15½ that allows them to practice driving with a licensed parent, guardian, or driver over the age of 25. After six months, teen drivers with an instructional permit can apply for a provisional license. With this license, teens face restrictions pertaining to passengers in the car and hours of operation for the first 12 months.

Teen drivers must have auto insurance to comply with state driving laws, so make sure to speak to your insurance agent about adding teens to your policy before they get behind the wheel. You should also shop around to find the best possible rates.


There are no laws in the state of California to help you if you overpay for insurance. As a consumer it’s not only your duty to make sure you have appropriate coverage, but also to shop around and ask about possible discounts that net you rewards for safe driving, bundling, and other behavior. You should be especially diligent about finding discounts for teen drivers, whose rates are likely to be the highest.

If you've never used an auto insurance broker before, now might be a good time to look into the possibility. Here are a few advantages in the process.

Posted by & filed under Auto Insurance.

The average driver might not even know that auto insurance brokers exist. Many labor under the misconception that the only way to obtain car insurance is to go directly to insurance companies (or the agents that work for them).

This is far from true, however, and the mistake is only to the detriment of consumers. Purchasing car insurance from a qualified and experienced broker will almost undoubtedly result in the best insurance coverage at the lowest rate.

If you’ve never used an auto insurance broker before, now might be a good time to look into the possibility. Here are a few advantages you’ll enjoy in the process.

1. No Comparison Shopping

As a consumer, it is your duty to comparison shop if you want to find the best bargains. When it comes to purchasing car insurance, this could mean extensive research on a variety of providers and policies.

Who has time for all that? When you hire an insurance broker, on the other hand, this professional will do all the comparison shopping for you.

After an initial consultation to discuss your needs and your budget, the broker will get offers from the many insurance providers he/she represents. You’ll be presented with the best offers so that you can pick a suitable policy.

2. No Negotiations

This is not to say that you can’t negotiate when it comes to your auto insurance policy – it just means that you won’t have to. Your broker will do all the negotiating on your behalf.

With knowledge and experience that most consumers lack, insurance brokers are uniquely qualified to negotiate, using their knowledge of other policies as leverage to get you the best coverage at the lowest price. This will save you a lot of time, money, and hassle.

3. Access to Exclusive Deals

Because insurance brokers have relationships with a variety of insurance providers, they can often work out deals that agents who represent only one provider don’t have access to. In fact, some auto insurance providers only work with brokers rather than hiring their own agents.

In other words, you may have more options when you work with a broker than you could possibly find on your own through normal comparison shopping.

4. Transparency

Most people are aware of the fact that insurance agents work on commission. An agent is pretty unlikely to tell you how the pay structure works, however.

As a consumer, this can leave you understandably skeptical. Is an agent pushing a certain policy because it’s really the best deal or because he/she gets the most commission from the sale? You’ll never know.

A broker’s payment, on the other hand, is worked into your insurance premium, so you know exactly how much you’re paying for the service.

5. Brokers Work for You

This is the biggest difference between agents and brokers, and also the biggest benefit to consumers. Whereas an agent is working on behalf of an insurance provider (and on his/her own behalf, as well), a broker is only concerned with ensuring your satisfaction.

A broker’s goal is to negotiate the best possible deal on auto insurance coverage for you, the client. If you’re not satisfied, the broker doesn’t make a sale or encourage ongoing patronage. So brokers will do all they can to ensure you get the coverage you need at a price you can afford.

What should you consider when looking to purchase homeowners insurance? Arrowstar Insurance has five factors you should consider.

Posted by & filed under Homeowners Insurance.

Well, if you’re anything like me, you thought this day would never come; today is the day where you officially take the step into adulthood and start looking at homeowners insurance. As exciting as homeowners insurance sounds, it is actually useful and the truth is, you definitely need it. So what should you consider when looking to purchase homeowners insurance, anyways? Not too sure? No big deal, you came to the right place. Read on to learn five factors to consider when purchasing homeowner insurance.

1. Make Sure You Are Insured for 100% Replacement Costs

Life happens, that’s just the way life works! One day you could be at home with your family having the time of your life, the next day you may find your home completely destroyed due to some unforeseen circumstance. Again, life happens. In an effort to make sure that you are protected from the unexpected, make sure that you are insured for 100% replacement costs! Please keep in mind that replacement cost is NOT the current market value of the home, it is simply the cost to replace the home.

2. Meet With Your Agent In Person to Talk About Insurance

Listen, I get it. Nobody really likes dealing with salesmen, and yes, it can be uncomfortable for the moments where you actually do have to meet with one. That being said, I want you to go against your will and actually sit down and meet with an agent. Heck, even invite the agent over to your home! Meeting with an agent allows you to have a much more personal plan opposed to speaking with an agent over the phone. If you do feel brave enough to invite an agent to your home, chances are they will be able to point out ways you can help make your home more secure. Not a bad trade for a little inconvenience.

3. Choose a Higher Deductible

Higher deductible? Why on earth would any advise me to get a higher deductible? Well, here’s why: when you elect to pay with a higher deductible on your home owner’s insurance, you are effectively lowering your premium payments. What does that mean? You pay less money per month on your insurance bill and pay a larger bill if disaster strikes. This cool little trick could end up saving you thousands of dollars per year.

4. Increase Your Liability Coverage

In the overly litigious world that we live in (people suing McDonalds for making coffee that is too hot) it’s never a bad idea to protect your behind from the unknown. Liability coverage protects you from the sue-happy individuals that have accidents while on your property. Here’s what’s cool: having the most liability coverage (typically around 500,000.00) isn’t even all that expensive. Typically the cost is less than 100 dollars more compared to the typical liability coverage. (100,000.00)

5. Consider Having Extra Protection for Your Valuable Items

Do you know that priceless piece of art that your dear Aunt Ruth gave you, or the valuable watch that’s been in your family for generations? You should definitely consider getting extra protection (insurance) on these items. Yes, basic home owners insurance will cover these items, but only up to a point and not necessarily to the fullest extent available. So for those special items in your life, go the extra mile to insure them.

If you need help in knowing what an auto insurance broker is, here is a basic breakdown of what to expect when you hire one.

Posted by & filed under Auto Insurance.

Nearly every state in the nation legally requires drivers to carry automobile insurance if they want to drive a vehicle. Only New Hampshire and Vermont lack such laws, and the former requires uninsured drivers to satisfy a personal responsibility requirement (proof of ability to pay out-of-pocket in the event of an auto accident) while the latter makes uninsured motorists pay a fee.

In other words, you need to properly insure your vehicle if you intend to operate it on public roadways. However, you’ll find that there is a huge variety of options to choose from. Not only are there a slew of insurance companies offering auto policies, but you’ll have to sift through all kinds of policy options and pricing.

How can the average consumer select the insurance provider and policy that meets legal requirements, provides suitable coverage, and fits in a set budget? You may want to start by hiring an auto insurance broker.

Unfortunately, many drivers have never even heard of an auto insurance broker and they have no idea how this professional can help with their insurance needs. Here is a basic breakdown of what you can expect when you hire an auto insurance broker.

Brokers versus Agents

There is often confusion about the difference between insurance agents and insurance brokers since they both sell auto insurance, but the distinction is simple.

An agent works solely for a single insurance provider. This means that an auto insurance agent is only qualified to inform you about his/her company and provide you with a policy offered by that company.

An insurance broker, on the other hand, represents several different insurance providers and can give you information on a variety of providers and policy, thereby offering more options that may suit your wants and needs. Brokers operate independently as contractors rather than representatives of a single insurance provider.

The major difference, in laymen’s terms, is that an agent represents an insurance company, whereas a broker represents you, the consumer.

Services Provided

An insurance broker will start by speaking with you to find out what you’re interested in, what your budget is, and ultimately, what you need in an auto insurance policy. Since the broker represents your interests, he/she needs to understand what your interests are.

Auto insurance brokers are responsible for collecting a wealth of knowledge. They not only need to understand the legal side of providing insurance coverage in your state, but they must also be able to adequately compare and contrast providers and policies and advise clients as to which options are likely to provide the best coverage at the lowest cost.

Once you have purchased a policy, brokers will also keep you apprised of add-ons and new products that may interest you, as well as review your policy regularly (say, annually) to make sure the coverage still suits your needs.

Finally, a broker is responsible for responding to your queries concerning your insurance policy and helping you to file claims should you be involved in a car accident of some sort.

Brokers perform many of the same duties as agents, but they’re able to offer you more options for insurance and their goal is to represent your interests and ensure that you are satisfied with the products you purchase and the services you receive.


Shopping for auto insurance can be a time consuming, frustrating, and expensive task. An auto insurance broker does all the heavy lifting for you, learning about a variety of insurance providers and policies in order to offer you only the options that suit your needs.

In addition, brokers often use their connections and their position as an independent purchasing agent to negotiate better deals than you might be able to leverage on your own. In short, it’s like having a personal shopper that does all the hard work on your behalf.

Choosing a Broker

Now that you understand the benefits of hiring an auto insurance broker, all that remains is to find a reputable and reliable vendor. The easiest way to accomplish this is through referral by a trusted family member, friend, or colleague. In lieu of this there are other options.

The online arena has made it easy to find suitable vendors thanks to consumer review sites; you can start by seeking out area brokers and then reading what other consumers have to say. If a brokers has good reviews and a solid reputation, set up a meeting for a consultation.

From there you should be able to determine if a broker seems knowledgeable, experienced, and reliable. You also need to make sure the broker has a state-issued license or is otherwise legally authorized to operate in your state. These factors should help you to find a suitable auto insurance broker.

AB 60 will allow illegal immigrants to obtain a legally valid drivers license. Learn more about how this new California law may impact you.

Posted by & filed under Auto Insurance.

No matter what side of the immigration debate you are on, the newly passed law, called AB 60, may impact you and your family. This recent legislation now allows illegal immigrants who reside in California to obtain a legally valid drivers license. While this program allows undocumented immigrants to lawfully drive, they are only allowed to do so within the state of California.

The Reasoning Behind AB 60

While the law may be controversial, proponents suggest that this measure has a number of benefits for both legal and illegal residents of California. With approximately 3 million illegal immigrants currently living in California, this policy has been a stepping-stone in providing rights and privileges to the state’s large undocumented population. It is estimated that nearly 4 million illegal California residents will apply for licenses under AB 60 by 2017.

Many immigrants have already taken advantage of this new law; by the middle of January 2015, over 11,000 applicants successfully received licenses. For these individuals, they can now drive to work or school without fear of a minor violation sending them to jail. The only distinguishable factor on these cards is a small stamp stating, “federal limits apply.” Despite the difference, these folks must still pass the same written and driving portion of the state test in order to obtain the license.

While California law enforcement officials cannot discriminate against those holding an AB 60 license, they will not protect illegal immigrants from federal officials or officials from out of state. As such, the AB 60 license only applies within the state of California.

How AB 60 Impacts Your Community

One major perk of the AB 60 license is that it instantly makes the roadways safer for both illegal immigrants and legal residents of California. Undocumented immigrants who have received a license under this new law can now be identified and properly held responsible for any roadway violations. Additionally, there will be less incentive for illegal immigrants to flee the scene of an accident simple because they do not hold a license. As such, the proper party can be held liable for damages, and can seek medical help when necessary.

Many view the AB 60 license as one of the several steps taken by the state of California to legitimize a group of people who have remained in the shadows because of their immigration status. With this measure, and similar measures such as health insurance for children and availability of in-state tuition, California hopes to function smoothly with the millions of individuals who are in the state illegally.

If you have any other questions on AB 60 and how it may impact you, feel free to contact us at Arrowstar Insurance Center today.

Individual companies will try to take advantage of your major traffic violations. Arrowstar Insurance will work to get you the best deal possible.

Posted by & filed under Auto Insurance.

Unless the state lays out specific rules, insurers are free to follow their own guidelines when it comes to traffic violations. Thus, some minor violations may raise your rates a little, or not at all. For a variety of mid-level or major traffic violations, however, some companies will astronomically increase your rates.

What Are Major Traffic Violations?

Definitions and classifications of traffic violations vary depending on your state and your chosen insurance company. Some minor violations, such as speeding tickets (especially if your record is otherwise clean) won’t have much of an impact on your insurance rates. If you have other, more major, violations, however, and you work with an individual insurance company, you are sure to see a dramatic increase in your insurance rates. These violations typically include, but are not limited to:

  • DUI;
  • Reckless driving (including major speeding violations);
  • Failure to stop after an accident;
  • Fleeing from police;
  • Racing;
  • Refusing a breath or blood test; and
  • Driving with a suspended license.

If you have had any of these violations appear on your driving record, chances are that your insurance company has tried to increase your rates. If you are sick of paying more than you should for car insurance because of your traffic violations, contact Arrowstar today.

The Benefits of Working With Arrowstar Insurance

As an insurance brokerage firm, we at Arrowstar Insurance Center have the unique ability to save you money on car insurance. Instead of dealing directly with one insurance provider, we work with a host of companies, to ensure that you are getting the best rates possible. Even if you have worked with other brokerage firms before, our knowledge and expertise will surpass any expectations you may have.

So, if you have experienced any major traffic violations, and have seen an increase in your car insurance rates, Arrowstar Insurance can help you reduce your expenses. By comparing quotes from 50 or more auto insurance companies, you are sure to get the best deal possible. An individual insurance company simply cannot offer this option, and will often take advantage of the fact that you work directly with them. As such, to make sure you aren’t overpaying on your car insurance, contact Arrowstar today.

The concepts and policies of homeowners insurance have changed a lot throughout the years. Homeowners insurance is more comprehensive and affordable than ever.

Posted by & filed under Homeowners Insurance.

For centuries, people have wanted to protect their assets from disaster, damage, and theft. While homeowners insurance is now easier to obtain (and even mandatory in many cases), it hasn’t always been that way.

The History of Homeowner’s Insurance

Homeowners insurance, also known as hazard insurance, has only been in existence since the 1950’s. Prior to this time, homeowners were forced to buy separate insurance policies for any manner of disaster that could effect their dwelling and its contents. As such, if a person wanted to fully protect their home, they had to buy individual policies to cover instances such as theft, fire, and personal property.

While there were some comprehensive policies popping up throughout the 1940’s in the United States and Great Britain, it wasn’t until the 1950’s that homeowners insurance policies saw the beginnings of a sea change. At this time, the Insurance Company of North America (INA) created new forms, so that homeowners could buy all the necessary coverage at one time.

This innovative multiline coverage also provided homeowners with a major cost savings over the previous method of buying separate policies. At the time, a policy would cost anywhere from $88.00 to $100.00, whereas the combination of individual policies would cost about $125.00. While this was a step in the right direction, these forms were often complex and hard to comprehend.

This new process stayed in place until 1971, when the Insurance Services Office was formed in New Jersey. The Insurance Services Office (or ISO) devised and implemented new, more streamlined insurance policy forms, and began selling them to insurance companies nationwide. These simplified documents helped homeowners get a better understanding of their rights and coverage.

Homeowners Insurance Today

Since 1971, the streamlined policies have undergone many amendments to fit the changing needs of homeowners and policy providers. Some items, such as coverage and pricing have undergone the most drastic changes. Often, what once was covered in 1971, may no longer be covered today, depending on your policy. An experienced homeowners insurance broker can full explain your coverage details and options when shopping for a new policy or reviewing your current one.

Today, insurance brokerage companies offer homeowners a comprehensive view of their available options. By comparing quotes from a plethora of companies, brokers are able to get homeowners the best rates and coverage. Additionally, brokers have the knowledge and expertise to answer any and all questions you may have. This is a benefit that homeowners simply do not get when they work directly with an insurance company, who only wants to sell you their one specific package.

For the best insurance broker and coverage options, contact Arrowstar Insurance Center today. Our friendly and knowledgeable brokers are here to help ensure that you, your family, belongings, and home, are all properly covered by your homeowners insurance.

Your home just got hit by a disaster. Does your insurance cover it? Here is some information you should now about your homeowners insurance.

Posted by & filed under Homeowners Insurance.

We have over 100 years combined experience getting people the right amount of coverage for their homes and vehicles here at Arrowstar Insurance Center. We have seen how homeowners insurance has changed over time, and we know that every homeowners insurance needs are unique. In this post we are going to go over some of the catastrophes that your insurance company may or may not cover.

Disasters Generally Covered by Homeowners Insurance

Standard homeowner policies usually cover a wide range of potential disasters. Not all policies are created equal, and some only cover a few of the following catastrophes. The following are a few disasters which are normally able to be covered by homeowners insurance:

  1. Fire – According to S. Fire Statistics unintentional residential fires can be caused by cooking, smoking, electrical malfunctions, and more. The estimated damage caused by fire in 2011 was 11.7 billion dollars.
  2. Lightning – Lightning strikes cause millions of dollars in property damage annually.
  3. Windstorms and hail – State Farm paid out over 3.9 billion dollars in hail and windstorm damage claims in 2012 according to an analysis done by the insurer.
  4. Theft – Many homeowners file claims every year for theft of property.
  5. Volcanic eruptions – It may seem unlikely to happen to you, but many insurance policies offer protection against these cataclysmic events.
  6. Vandalism and malicious mischief – Vandalism is treated as a very serious crime in most states, but that doesn’t prevent it from occurring unfortunately.
  7. Freezing of plumbing – While most of the southern states don’t have to worry about this problem, it becomes more and more prevalent as you move north.
  8. Explosions – Gas leaks are often a cause of accidental home explosions.

Take a look at your policy and see what you are currently covered for. Some cut-rate policies may not cover the things you truly want protection from.

Disasters Not Usually Covered by Homeowners Insurance

According to the Insurance Information Institute (III)the following disasters are not covered by standard insurance policies:

  1. Floods – Flood insurance is not provided in your homeowner insurance policy, but it can be purchased as a separate policy from the National Flood Insurance Program (NFIP).
  2. Earthquakes – Many insurance companies offer earthquake insurance as a separate policy, but it is likely not included in your homeowners insurance.
  3. Maintenance damage – Damage which occurs due to poor home maintenance is the responsibility of the home’s owner. This includes mold, termites, and other pest infestations.
  4. Sewer Back-up – III has an article which states: Sewer backups or the inability of sump pumps to handle runoff water from major downpours are not covered under a typical homeowners insurance policy, nor are they covered by flood insurance.”

Sewer back-up insurance is made available by most insurance providers at a very low premium however.

Learn more about Arrowstar Insurance Center

Here at Arrowstar Insurance Center we can help you find the policy you need at a price you’ll love. Go to our website to find out more about our services. Contact us today to get a free quote on homeowners insurance.

Have you had the same insurance plan for multiple years? Find out how you can save money by shopping for a new insurance plan.

Posted by & filed under Auto Insurance.

We have been helping people save money on their insurance for many years here at Arrowstar Insurance Center. Our office has seen just about every possible home and auto insurance scenario that you can run into. Today we are going to go over the benefits of regularly re-shopping for insurance instead of renewing the same policy every year.

Same Insurance Different Day

We have all been there. You receive a letter from your insurance company in the mail a month before your insurance expires. It informs you that your insurance will be expiring in a month, and tells you too renew now in order to get a discount on your first month. You may also just get a letter that tells you that your policy’s auto-renewal is being processed. In the future when you receive this letter I want you to ask yourself one question, “Is this policy still the best deal for me?”

Sometimes keeping the same insurance plan year after year can be beneficial, but in most cases it is only costing you extra money. The reasons for this are simple enough. As your living arrangement, age, and other factors change so will the quotes you get from various companies. That means the company offering the best quote when you were 25, single, and driving a ’95 Honda Civic may not continue to hold the title when you are 32, Married, and driving a new Audi. Even a change of zip code can have an impact on what certain companies will charge for insurance.

Even if you aren’t going through a multitude of changes as your years progress you will most likely still find a better rate if you shop regularly. This is because insurance companies are constantly restructuring their rate plans and the discounts they offer to their customers.

The Right Way VS. The Wrong Way to Shop for Insurance

There is a right way to shop for insurance, and there is also a wrong way to shop for insurance. The wrong way to shop for insurance is to get a quote from one insurance company at a time. Not only can this take forever, but the chances of you finding the best possible deal are not very good.

Try to find an insurance center that can access quotes from a large number of companies simultaneously instead of manually sifting through quotes online and over the phone. This will not only save a ton of time, but it will also allow you to find the best rate for you.

Arrowstar Insurance Center

Here at Arrowstar Insurance Center we can help you get the coverage you need at a price you’ll love. Go to our website to find out more about our services and our promise to our customers. Contact us today to get a free home quote or auto quote.