Kirkpatrick & Assoc
731 E Micheltorena St
Santa Barbara, CA 93103-2218
Phone: (805) 966-7322
Kirkpatrick & Assoc provides residents of Santa Barbara with advice and guidance when making important insurance decisions. Their office is located at 731 E Micheltorena St or call (805) 966-7322 to speak with an agent. Serving Santa Barbara and the greater Santa Barbara county area.
Looking for insurance agents in Santa Barbara, CA or just trying to lower your premiums? Here are some insurance buying best practices.
- A neighborhood insurance services provider like Kirkpatrick & Assoc 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.
- When shopping for car insurance in Santa Barbara, consider raising your comprehensive and collision deductibles to a higher level to save money. Auto insurance costs less when you're willing to pay slightly more out-of-pocket when you have a claim.
- 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.
- 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.