California Insurance Agent

Hello, my name is Murphy and I like in California. San Jose to be precise. I’m and insurance agent specializing mostly in auto insurance in California, but also health insurance. If you’re looking for auto insurance in california I’m your guy!

I created this blog to share insurance tips with people. Like how to save on auto insurance, and make sure your agent is giving you the best deal. I worked with lot’s of other agents and I’m sorry to say many are not giving their clients the best deal they could get.

Since unfortunately this job is commission based, agents do not always have your best interests in mind.

That’s why I decided to create this blog to share advice!

I hope you find my content useful; if you do please share it!

Very Cheap Car Insurance No Deposit Is the Way to Go

Why I Say Very Cheap Car Insurance No Deposit Is The Best

I saved up for two summers to buy myself a car before I left for college. Now, that sounds like a long time and you’re probably thinking that I had, like, a ton of money. But working minimum wage doesn’t really give you a whole lot of money and it isn’t like I saved every single penny.

But that doesn’t matter, I actually did it. I worked hard, I saved money, and I bought myself a car. I had to make payments on it while I was in school and knew that was going to be tough so I put down the biggest down payment I could afford. I just wanted my monthly payments to be as cheap as possible. I worked out a deal at a used car dealership, signed the papers, and then all that was left of do was show proof of insurance.

So, here’s the thing. If I’m being honest, I have to say that I really didn’t consider that. I mean, I knew I had to get insurance. But I was so excited about the car that I kind of let it slip my mind. I didn’t save any money for an insurance payment and really wasn’t sure how I was going to pay it while I was in school. Plus, had no credit history at all and didn’t even know if I’d pass a credit check.

What I needed was very cheap car insurance no deposit. I didn’t think that was a thing. I asked my buddies who had cars and they gave me some leads; they recommend I check out this website: I almost can’t believe it, but I found a great policy that I thought I would be able to afford. 

Finding no deposit car insurance quotes

It took some time and a lot of scouring the internet to find the right company and then a little longer to find an agent that seemed like I could get along with. I read all the reviews of everyone local and made a list of five to call.

I didn’t even need that many, the first woman I spoke with was amazing. She was really helpful and we worked out a basic policy. My monthly payments were manageable and, here’s the best part, no deposit required.

Long story short, I got some awesome insurance with an affordable monthly payment that I had no problem making. Of course, that’s only because I found such cheap insurance in the first place.

Used Car Dealerships Mississauga Needs to Get to Know Better

Looking for a used car dealerships in mississauga?

Everyone knows that used car dealerships have somewhat of a reputation, right? I mean, I believed it.  But I have to tell you, there are some used cars mississauga is missing out on because people just can’t get over the used car salesman stereotype.

I admit, I was guilty of it, too. I thought there was no way I’d ever get a good deal on a used car unless there was something wrong with it. Imagine my surprise when I found a car that was in good shape and selling for a good price!

Here’s something I didn’t really know was something you can do when you’re buying a used car until I got serious about looking. You can have your mechanic look at it. Like, not the dealer’s mechanic. Your mechanic. One of my buddies told me to go ahead and ask when I was shopping.

The first dealer I went to flat out refused, so I left pretty much right away. The second dealer told me I could if that was what I really wanted but that their mechanic said everything was fine and flat out told me it would be a waste of time. So, I left. But the third is one of the used car dealerships Mississauga should give its business to. They actually suggested it before I even asked and let me take it on a test drive, alone, to my mechanic’s garage to have it checked out.

Having my mechanic check it definitely made me feel better about the car. That said, because the dealer was so willing to let my guy check it and nearly insisted on it, I knew I was dealing with the right place. I didn’t have any concerns anymore. There was just no reason to be worried!

Don’t get me wrong. I know there are some dealers that deserve the bad reputation. But let’s be honest, there are bad seeds in every profession. People who take short cuts. People who are only out to get as much as they can. I was so happy to find someone to work with who really just seemed like they wanted me to get a good car at a fair price. I’m sorry, I know I’m gushing. But I was really impressed. And not only did I get a really good price – I love my car! If you’re looking for a good dealership and an honest person to work with near you I highly recommend . I used them to find a car dealership near me that had good reviews. They have an entire list of used car dealerships in canada here

Leaving Electrical Work To The Professionals

I’ve never done any kind of DIY, I’ve never worked any kind of labouring or tradesmen job and I have no idea what to do if literally anything broke in my home. I have no clue how anything in my home works or how it’s put together or how I’d go about putting it back together if it were to break. I’ve always relied on the skills of other when it comes to that kind of thing. Why not? They’re experts at the stuff and I’m not. Why not let them deal with it?

After moving in to my new home, I started encountering problems. Problems with the plumbing and problems with the electronics. The toilet kept clogging and my showers kept going freezing cold so I called in a plumber to sort it out for me. As I already stated, I literally wouldn’t even know where to start.

The plumber fixed all my plumbing problems but informed me that due to a water leak, I would also have to have an electrician come in and remedy that too. He even asked me if I knew how to do it myself, in which I replied with a hearty bout of laughter.

Now, I’m sure that if I put in the hours to learn all that kind of stuff, I would be able to pick it up. I’m not mentally inept or incapable, I just don’t want to do it when I can pay someone else.

I hired a Tulsa electrician, and he came over and took care of everything in one single afternoon. They have the skills and expertise and countless hours of experience. They can probably do the job without even thinking about it.

It’s a good thing to know your way around a toolbox and to have the knowledge to deal with these things yourself when they come up. People that can do household work must save themselves thousands over the course of their last time. But I just don’t care. I’ll leave all the stuff to the experts, for a small fee, and enjoy my relaxation time whilst they do so.

Cutting Back to Get Ahead – Finding cheaper auto insurance

How I saved money by finding cheap auto insurance

This is a story of when I was a student, long before I decided to become an insurance agent. I wish I knew then what I know now!

I really wanted to go back to school but wasn’t sure how I was going to afford it. Taking out loans was inevitable, really, but I wasn’t sure how I was going to have any money to live on. I knew I wouldn’t be able to work full time anymore and cutting back my hours was really going to hurt my bank account.

When I started looking at my expenses, I was really discouraged because I didn’t immediately see where I could cut back. I’d have to keep my apartment. The rent was reasonable and the cost of moving would be too much to handle right when I was starting school. My car was paid off so there was nothing I could do there.

I stopped using the air conditioner at night and made sure I turned off all the lights that didn’t need to be on. I figured that, in the winter, I could cut down on the heating bill by lowering the thermostat and wearing extra clothes. I actually don’t mind being cold and snuggled up in blankets so that was no big deal.

Still, it wasn’t enough. I dug a little deeper. One place where I could cut back was on my cell phone data plan. I had to have wireless internet at home because I knew I’d need it for school work so I just made sure to always use my smartphone when it was attached to my wifi. I tried not to use any data unless it was completely necessary.

Another thing I asked myself was, who has the cheapest auto insurance? My car was old and I’d paid it off already. Did I really need full coverage auto insurance? Should I be staying with the same insurance company I’ve had for years? Or was it worth shopping around?

I ended up canceling my cable and signed up for a streaming service. It was definitely worth what I saved. I also started using coupons and never went out to eat or ordered take out. Well, that’s not exactly true, I treated myself to take out after every exam as a way to celebrate and relax after a week of non-stop studying. Usually binge watching a new show I’d gotten myself addicted to. I also changed from full coverage auto insurance to some very cheap car insurance with no deposit. Switching to some cheap no deposit car insurance instantly saved me $400 dollars a year, no bad!

In the end, I did it. I’ve managed to survive without using my credit cards once. I’m pretty proud of myself.