Cheap Auto Insurance

Quality Cheap Auto Insurance

While we offer inexpensive auto insurance, it’s anything but “cheap.” The word “cheap” occasionally has a slightly negative connotation. There’s a line of thinking that anything which is “cheap” isn’t of high quality. We may tend to associate the word “cheap” with having “cut corners,” or isn’t acceptable. At VIP 360 Insurance, we offer high-quality insurance that also happens to be inexpensive as well. In this blog, we’ll go over what our cheap auto insurance provides for our clients.

VIP Cheap Auto Insurance

Inexpensive auto insurance is important. It means that you can get into your car and out on the road without having spent too much money to do so. However, if the insurance is of low quality or doesn’t cover much, then that can end up costing you so much more money in the long run. For example, if your insurance is very inexpensive but then you’re in an accident, if the insurance can’t cover what you need then you will probably be out far more money. Here at VIP 360 Insurance, we work to make sure that doesn’t happen. We customize our plans so that they can fit exactly what you’re looking for.

Our Auto Insurance

California roads are incredible. You can see some of the most gorgeous sights in America just while driving around a typical day in southern California. With all that beauty out there to say, danger can be a part of the open road, too. You never know what’s going to happen, moment to moment. That’s where we come in. We can keep you covered in case something goes wrong. Vandalism, theft and natural disasters – those are just a few of the hazards of California driving. If they come for you, we’ve got your back.

Coverage for Your Needs

In the case of an auto accident, you may need medical attention. That’s why we provide coverage that can pay exactly for that, so as to help when you need it most. We also know that most people don’t want to have to wait around to get their auto insurance. So, when you call us up and talk to one of our agents, we can get you started on the auto insurance process quickly. In fact, you can obtain proof of insurance within minutes of talking to an agent. To get the insurance you need right away, just give us a call at (800) 254-9164.

Cheap Auto Insurance in San Diego2

Cheap Auto Insurance in San Diego

Unicorns. Bigfoot. Cheap auto insurance in San Diego. Each of those three may sound like something fantastical; that’s made up and impossible, but the last one is real. It may not seem that way, particularly if you’ve been looking for auto insurance in San Diego for any length of time. However, we know it’s real because we offer it. Here at VIP 360 Insurance, we offer inexpensive auto insurance in San Diego that anyone can afford. Better still, this is good, quality insurance. This insurance can be there for you if you need it. In this blog, we’ll go over how our auto insurance works as well as who we cover and more.

Our Cheap Auto Insurance in San Diego

The first and really most important thing to keep in mind about California auto insurance is that everyone needs it. You can’t drive without insurance. It’s against the law. Any vehicle that’s operating or even parked on California roads must have liability insurance. That being said, if you’ve tried to look for auto insurance in the past, you know how frustrating it can be. You’ll either find insurance that covers absolutely nothing, or insurance that’s so absurdly expensive you can’t afford anything else. We understand that. That’s why we offer auto insurance for regular people.

Pay Auto Insurance on Your Schedule

Living in southern California is expensive. Sure, this is the best place to live – there’s so much to see and do every day, to say nothing of the weather. However, it’s not always easy to pay for everything. We get that. That’s why we’ve made a kind of auto insurance that people can pay for. We work with you so that you can always afford the payment. For many of our clients, that means that they make low monthly payments. For others, that means that they made a low down payment. No matter what kind of plan you need, we can figure out a “pay as you go” plan with you so that you have the insurance when you need it.

Cheap Auto Insurance in San Diego

How Our Auto Insurance Works

Before we started VIP 360 Insurance, we looked at all the other kinds of auto insurance groups out there. That gave us a pretty clear idea of what to do and what not to do. Too often, we found that auto insurance companies were focused on what was best for them and not what was best for the customer. So, when we put our company together, we made sure to ask “does this put the customer first” at every step of the process. That’s why when you contact us; you get proof of insurance within minutes of speaking to an agent. You don’t have to wait around for hours. You don’t have to send in all kinds of documents you may not have readily available. You call in, you get insurance fast.

Customer Focused

The entire point of auto insurance is so that it can be there for you in case something bad happens. Too many other auto insurance companies may have lost sight of that, but not us. Should the worst happen, and you’re injured in an auto accident, we can provide coverage to pay for your medical expenses. On top of that, we do everything in our power to financially protect you from lawsuits and losses. Your vehicle and your assets are an investment, they’re important to you today as well as the underpinning of your financial future. We respect that, which is why we do everything we can in our power to help safeguard them.

Southern California is a truly wonderful place to live, but sometimes bad things happen here. Natural disasters can occur. Vandalism, theft – that can happen any day of the year. When that happens to you, our insurance can be there to pay for it. It’s important to point out that we do everything we can to insure people that may have trouble getting insurance. We make it a point of pride to specialize in high-risk drivers. Clients with DUIs, more tickets than they can count/remember, people who have been in multiple car accidents – they shouldn’t be precluded from getting out on the road. We can help.

When you contact us, we’ll give you a free quote. Based on the information you provide, we’ll seek out various companies that provide auto insurance in the area of southern California you’re in. From there, you’ll have the power. We can work with you to make sure that you’re getting the cheapest rate from them. Southern California is a magical place to live, but to really take part in the magic; you need to be out on the road. Take the first steps towards doing so by giving us a call at (800) 254-9164 or heading to our site.

SR-22 Insurance in California

SR-22 Insurance in California

Things happen. Not everything goes exactly how you want it to go. Here at VIP 360 Insurance, we understand that. We know that sometimes, things don’t go your way, but you still have to get on with your life. You still need to be behind the wheel of a vehicle to do what you have to do. That’s why we do everything we can to offer insurance to as many people as possible no matter what they’ve been through. In this blog, we’ll cover SR-22 insurance in California. We’ll go over who’s eligible, how it works, and how we can help.

Who Needs SR-22 Insurance in California?

The simple, pat answer for that is “anyone who  needs to file an SR-22.” Of course, that opens up the question of “who needs to file an SR-22?” Often, the folks who have to file an SR-22 have a DUI or DWI on their driving records. However, contrary to what many think, those aren’t the only reasons that you may have to file one of these. In fact, you may have to file a SR-22 should you have been caught driving without insurance or even driving with a suspended license. We’ve had customers who got one from simple having too many tickets on their record. Should you need to file an SR-22, we can help get you insurance.

Still More Reason to File an SR-22

To be honest, there are many more reasons to file a SR-22 in California than most people may know. You may also need to file one, for example, should you want to drive after you failed to appear in court. Or even if you were intoxicated while riding a bicycle. Reasons for filing one of these are as diverse as having unpaid child support or even if you were intoxicated with a car key in your pocket. Some clients were even caught walking to a car with keys in their hand while intoxicated. Many reasons for this filing involve intoxication, such as driving a lawn tractor with a beer in hand or driving with alcohol in your system as well as over the country or even prescription drugs. No matter how you need to file one of these, we can help.

SR-22 Insurance in California1

We Can Get Your License Back

When your license has been revoked, when it’s been taken away, it’s natural to feel powerless. So many of our customers have felt like there’s nothing you can do. That’s where we come in. We can help you to get your license back. To us, there’s just no point in punishing someone for everything that they’ve had to go through. So, if you need a SR-22, we’ve got one for you. Accidents are, unfortunately, a part of life. We wish they weren’t, but they are. Accidents are going to happen. When they happen to people who didn’t intend for them to happen, they shouldn’t have to suffer. That’s just one of the reasons that we can help you to get the license and insurance that you need.

SR-22 Insurance

If you’ve filed an SR-22 and tried to get insurance, you know how difficult it can be. Many places may just refuse you outright. The ones that don’t may try to give you some kind of astronomical rate that you couldn’t possibly pay. We refuse to do any of that here. Here at VIP 360 Insurance, we understand that you’re a human being. That’s why we offer SR-22s at $9 a month. You read that right. It is not a typo. We did not forget another number, or several other numbers, or zeroes or anything like that – it’s just $9 a month. For roughly the same amount of money you pay for Netflix, Hulu, or something like that, you could have insurance for your SR-22.

It’s important to point out that we don’t just get you a SR-22 for $9 months. We make sure to do it quickly. There’s no waiting around here; there’s no “having to take an entire day off from work to go to the DMV.” We file instantly with the DMV. Moreover, you don’t have to pay any ridiculous third-party broker fees, either. You give us the money and we file the SR-22. It’s as simple and direct as that.

In southern California, you can’t make life happen without a car. Sure, maybe you can get by for a brief period of time, but in the long run, you’re going to have to be able to drive to reach your dreams. A mistake or two shouldn’t preclude you from living the life that you want. Here at VIP 360 Insurance, we believe in second chances. We take pride in being a part of them every day. To get a free quote, give us a call at (800) 254-9164 or go to our site.

Quality Cheap Motorcycle Insurance1

Quality Cheap Motorcycle Insurance

Whenever people hear the word “cheap,” they think it means that something lacks worth. That’s not always the case, however. For example, when people mention “cheap gas,” that doesn’t mean that the gas is poor or that it lacks quality. All it means is that you didn’t have to pay much for something you needed. Our cheap motorcycle insurance starts at just $6 a month. In California, that’s basically the price of a cup of coffee. However, that insurance covers quite a bit. In this article, we’ll tell you what our insurance can do and we’ll point out its value.

Cheap Motorcycle Insurance

When people say the word “motorcycle,” they tend to have a pretty clear idea of what a motorcycle is. Some people think of a Harley, some think of a Yamaha, but everyone has a fairly agreed upon idea of what constitutes a motorcycle. However, our insurance covers many more kinds of motorcycles and bikes than most people realize. For example, we offer insurance for classic bikes and sport bikes. So, whether you have a tremendous motorcycle from the 70s or the latest and greatest model, we have the insurance for that. Of course, no matter what kind of motorcycle you have, we have the kind of insurance that can give you peace of mind when you ride.

More than Motorcycle Insurance

Beyond motorcycle insurance, we also have insurance for plenty of other bikes. That means that mopeds and scooters are covered. These two kinds of bikes are really making a comeback. Getting around town isn’t always easy. Taking a moped or a scooter is a great way to save gas while still getting where you need to go quickly. Riding a bicycle can be very healthy, but it can also leave you quite sweaty and tired. That’s the last thing you need if you’re headed to work or for a night on the town. Of course, if you do take advantage of our moped and scooter insurance, you’ll pay the same rate that our motorcycle insurance clients do.

Quality Cheap Motorcycle Insurance

What the Insurance Covers

We don’t just offer inexpensive motorcycle insurance; we offer insurance that covers a lot. For example, if your motorcycle is damaged in an accident, we cover that. We also cover your bodily injuries if you’re in an accident with an uninsured motorist. Instead of you worrying how you’re going to get compensation for your injuries because the person who hit you lacked insurance, we’ve got you covered. If you’re legally responsible for an accident that causes bodily injury to someone or their property while you’re riding your motorcycle, our insurance covers that as well. Those are just a few of the amazing services that our insurance covers.

Insurance for More than Accidents

Our insurance has your back in an accident, but that’s not the only way that our insurance can help. For example, we cover you if your motorcycle is damaged while in winter storage. If it’s stolen or catches on fire, our insurance handles that as well. Vandalism is too common a problem with motorcycles, so we make sure to cover that as well. One of the lesser known things about our insurance is that it covers custom motorcycle work. That means that paint, upgraded components and more come under the heading of our motorcycle insurance.

We know that for many motorcycle riders, you want to carry the minimum amount of necessary insurance and that’s it. We offer that, while also providing you with some top quality insurance. So, our customers can avail themselves of our five thousand dollar for damage to property, thirty thousand dollars for injury or death to more than one person and fifteen thousand for injury and death to one person. You always want to make sure that when you take your motorcycle out, you’re on the right side of the law. That’s where we come in.

Motorcycle insurance is more than a job to us, because many of our agents ride. We’ve been there, out on the road, seeing the world race by. So, we’re able to craft insurance packages that fit for motorcycle rides. We’ve talked to many clients over the years who were so relieved to sit down with an insurance agent who had actually ridden motorcycles before. We know what riders want, because we’re riders too. In fact, we even have agents who used to ride. That can make all the difference in the world. Instead of getting an insurance package put together by someone who read a book, you’ll get it from someone who’s been out on the road.

Our agents can put their motorcycle experience to use for you. We look at your ride, we look at your lifestyle, and then we make it all come together. For a free quote, give us a call at (800) 254-9164 or head to our site.

car insurance in Los Angeles

Car Insurance in Los Angeles for All Drivers

When it comes to car insurance in Los Angeles, the needs and wants of United States residents has shifted greatly over time. When it pertains to insurance, almost everyone needs it, but not everyone can have it. Rising prices and other standards make drivers and other residents hold off from buying either car or health insurance. In addition, many companies require that their clients are documented US citizens, and seeing as the states can be a mixture of many, that may not always be the case for residents. Larger companies have a tendency to keep their rates steep without considering the fact they are overcharging their residents.

Ask Us About Cheap Insurance

Oftentimes people who have experienced minor, or major, car accidents are left with stress, damages, and complicated cases. Luckily, with an insurance company that aims to keep situations as clear and helpful as possible, you can avoided feeling like you won’t be taken care of during this time. Keeping our rates low is the main goal for anyone and everyone with VIP 360 Insurance because we understand everyone should have the ability to be covered. Los Angeles is a major driving city and we need transportation. However, being held liable when you do not have the ability to afford insurance isn’t a preferable situation. Being able to provide insurance for individuals and families is a way to keep safe drivers on the road. Auto, motorcycle and life insurances all have their separate requirements and during the process of buying insurance those can become convoluted. Through unfamiliar language and long contracts, there can be hidden charges or areas in which you’re not covered in the event of an accident.

car insurance in Los Angeles

VIP 360 Insurance in Los Angeles

It may be more difficult for many to find car insurance in Los Angeles, the options are becoming more expensive and are becoming more exclusive. Which is unfortunate as it is illegal to drive without insurance, and yet many struggle to afford the insurance. VIP 360 Insurance is here to make sure you are covered at lower prices so you can drive without worry.

Contact VIP 360 Insurance for a Quote Today

VIP 360 Insurance provides car insurance in Los Angeles, San Diego, and San Francisco along with all other cities throughout California. If you’re looking for cheap, affordable insurance, call us today and we can evaluate your needs. Contact by dialing (800) 254-9164 and we can have one of our professional representatives on the phone with you in no time.

Uber Driver Insurance in Los Angeles

Uber Driver Insurance in Los Angeles

Ever since the app’s initial release, riders have been choosing Uber and Lyft at higher rates every year. These ride sharing apps have saved people in many ways; avoiding DUI’s, airport transportation, general location-to-location transportation. Not only are we lucky to have such an option but we are also thankful. However, as riders we don’t have too much to worry about. As for the drivers, there can be a lot at stake when picking up a stranger, especially if they’re under the influence. In addition, as a driver, it’s important to always be aware of the drivers around you. Driving can be rather unpredictable, day or night. If a rider has deemed themselves unsafe and rendered injured while in your back seat, there can be a troublesome mess on your hands. Reasons for this should inspire you to have Uber driver insurance in Los Angeles, or anywhere in the states. In the event something unfortunate happens, you can be covered.

VIP 360 Insurance Can Have You Covered for Less

The only issue with trying to find insurance in pertinence to Uber driving specifically is companies have a tendency to overcharge. With VIP 360 Insurance there is the possibility to be covered for less. Our main focus is to provide Uber driver insurance at cheaper rates so drivers do not have to stress about being on the road. If there is a case in which your car is damaged by a rider or other vehicle, you can have the extra support to make sure all can be fixed.

Uber Driver Insurance in Los Angeles

Video and Audio Surveillance for Extra Proof

Many drivers resort to installing video and audio surveillance in their vehicles while working for Uber. In many cases this tactic has proven helpful if there is a violent situation in the car. There is no way to predict how a rider is going to act while impaired. In turn, a rider may be a rash individual by nature, which is why many drivers tend to avoid engaging in conversation while working. However, having the extra surveillance can help you and us if you need to open a case following a ride with Uber.  

Contact VIP 360 Insurance if You are Looking for Uber Driver Insurance in Los Angeles

Driving for Uber is a lucrative occupation, but it’s important to be insured while doing so. Uber driver insurance can be provided by VIP 360 Insurance, one of the cheapest insurance in California. With lower costs and great customer service, you don’t have to worry while working, we have you covered. For more information or to speak with a professional representative give us a call by dialing (800) 254-9164. We can provide coverage at cheaper rates as soon as possible.

Uninsured Drivers

California Car Insurance Laws and Requirements

To ensure that all drivers can provide for financial and medical expenses resulting from an accident, most states require drivers to purchase auto insurance to operate a vehicle. If you are new to California, you might not know what coverage is necessary to purchase. The last thing you want to happen to you is getting caught with the wrong coverage.

VIP 360 has compiled a short and easy guide to lead you in the right direction when it comes time to purchase auto insurance. Let’s review what you need to know about insurance laws and requirements in California.

Mandatory Coverage

The state of California requires that all motor vehicles registered in the state are covered by a minimum level of liability auto insurance. Every driver who operates a vehicle statewide, including those with out-of-state licenses or unlicensed drivers, are required to follow the minimum insurance requirements.

You are required to have the following types of liability coverage in California:

  • Bodily Injury Liability (BI)– When you are found legally responsible for a car accident, bodily injury liability coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense if you are sued for damages. You are required to possess bodily injury coverage of at least $15,000 per person, and up to $30,000 per accident in California.
  • Property Damage Liability (PD)- Property damage liability coverage is required by law in most states. It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front. Property damage liability coverage usually does not cover damage to your own vehicle. In California, drivers are required to have a minimum of $5,000 in Property Damage Liability coverage.

Proof of Insurance

It is also important to carry proof of your insurance policy with you whenever you are behind the wheel in California. Make sure to carry an insurance ID card that lists the name of the policyholder, insured vehicle, policy number, and the start and end dates of your policy.

When you are pulled over without enough evidence of insurance, you could get your vehicle impounded and your driver’s license or vehicle registration could be suspended. Fines in California can range from $100 – $200 for the first offense, and $200 – $500 for each subsequent offense within three years of the first.

These are the main insurance laws and requirements in California. Contact a professional from VIP 360 to get up-to-date information on everything that you will need to know about car insurance requirements in California. In search of better coverage with lower rates? Call VIP 360 Insurance today to see how we can help you!

Auto Insurance Form

Auto Insurance Form

Uninsured Drivers

Protecting Yourself Against Uninsured Drivers

The basic idea behind liability car insurance is simple. When you are the cause of an accident, your insurance will pay for the damages. If the opposite party is liable for the accident, that person’s insurance will pay for the damages. Everyone is supposed to have car insurance but sadly because of certain holes in the law, not every driver is insured.

If you get hit by an uninsured driver, you might not be able to collect the money you need to fix your vehicle – unless you have uninsured motorist coverage.

Statistics of Uninsured Motorists

Unfortunately, many people drive without the required insurance. To make matters worse, the number of uninsured motorists is rising.

A study from the Insurance Research Council published in the Insurance Journal found that 13 percent of all drivers were uninsured in 2015. That percentage is up from 12.3 percent in 2010.

It is estimated that 15.2 percent of drivers lack insurance in California. Basically, if a driver hits you, there is over a 15 percent chance that they are not insured and will not have the coverage necessary to pay for the resulting damage and medical bills that result from the accident.

How to Protect Yourself from Uninsured Motorists

Drivers who allow their car insurance to expire do so because they don’t have the money to pay their premiums. If they hit you, they don’t have the insurance coverage that is crucial to cover the damage. Even if you try to sue them, they will not have the money to dish out. Therefore, it’s important to maintain uninsured motorist coverage.

It’s so important, in fact, that many states make uninsured motorist coverage mandatory. According to the Insurance Information Institute, around 20 jurisdictions require drivers to carry uninsured motorist coverage. Other states require insurance companies to offer the coverage and customers are required to accept it.

Most responsible drivers believe they’re accountable for having auto insurance; unfortunately, not everyone is a responsible driver. That’s why this coverage is required in many states. Even if it’s not required, consider protecting yourself and your family with this policy so you can make sure you get back on the road and back to your life quickly.

Contact VIP 360 Insurance today to find a plan that protects you from uninsured motorists. We have the best rates in California and always give everyone the VIP treatment!

Auto Insurance Form

Auto Insurance Form



Alan Rakin’s Favorite Hiking Trails in Los Angeles

And The Best Hiking Trails in Los Angeles are…

We love the beaches in Los Angeles. We love the ocean, food, waterfalls, and the mountains! There are so many things to do here.

If you love nature, there is no doubt in our mind that Los Angeles is the place you want to be. If you just moved here, you will find out soon about how active and healthy people are in L.A.

Did you know that Los Angeles is known for having great hiking trails? Yes! If you haven’t been asked to go on a hike by a friend, you need to check them out for yourself.

Alan Rakin, CEO of VIP 360 Insurance has lived here for a long time and wanted to make recommendations for some hiking trails in Los Angeles that he believes are the best. There are so many trails out there, if you aren’t a native, you would have a hard time distinguishing what each trail is known for.

We’re pretty sure you’re going to like this list. While you’re out there, remember it’s good to have auto insurance in Los Angeles before you hit the trails. You’ll have to drive to get to some of them.

Are you ready? Let’s get to it.

Alan Rakin Hiking Trails in Los Angeles

Eaton Canyon Hiking Trail

If you like waterfalls, Eaton Canyon is where you want to hike. This hike is in Pasadena. It’s a pretty easy hike, but a good one.

Murphy Ranch Hiking Trail

If you want to see history, this trail is located on Capri and Castle Road in Santa Monica. On the trail, there is the old Nazi compound that Hitler built. Interesting, right?

Runyon Canyon Hiking Trail

If you’ve seen aerial photos of downtown Los Angeles with people standing on a mountain in their sweatpants, you’re probably looking at photos from Runyon Canyon. It’s right in the middle of Hollywood. Alan Rakin says go early, you’ll see celebs.

Mount Baldy

This is a real hike. It’s the highest peak in Los Angeles. If you make it to the top, you’re will see beautiful mountain tops. Alan Rakin says this is one trail that you must hike.

Of course, there are more hiking trails in Los Angeles, but we can’t list them all in one post. When you’re driving out to the trails, be safe.  If you need cheap auto insurance in Los Angeles, give us a call.

VIP 360 Insurance provides auto insurances in Los Angeles and the entire state of California.

Alan Rakin Cheap Auto Insurance in Los Angeles Tips

Alan Rakin gives his best Cheap Auto Insurance in Los Angeles Tips

There are a lot of companies that sell auto insurance and if you are a first time driver or new driver looking for auto insurance, you want to make sure that you get the best bang for your buck.

Alan Rakin, CEO of VIP 360 Insurance wants to give you a few tips about auto insurance. This will help you make the right decision or at least give you an idea of what you should look for when making a decision about who to shop with.

Cheap Auto Insurance in Los Angeles Checklist

If you have a car in California,  you must have liability insurance.  Yes. This is the state law in California. All vehicles operated or parked on California roadways require liability insurance. It’s not a choice. You have to have liability auto insurance at the minimum and your car must be registered. If it’s not, you will get towed and that will make things worse. VIP 360 Insurance offers low down payments and monthly payment plans, so finding cheap auto insurance in California isn’t too difficult. Just pay as you go!

If you have a DUI, you can still get insurance.  Let us help you get your drivers license back within a few months.  All you need is an SR-22 document. Your insurance rates most likely will be higher. That is a consequence of getting a DUI. That’s something we can’t do too much about, but we can make sure your insurance rates are reasonable. Getting a SR-22 shows that you are a responsible driver. After a few years, the SR-22 will fall off of your record and you will have cheap auto insurance again in Los Angeles.

Protect yourself against the uninsured motorist.  This is a big problem today. There is a lot of uninsured motorists out there. The best thing you can do for yourself is to make sure your policy protects you. Alan Rakin highly recommends adding this to your policy. It’s only a few dollars more and you’ll still have cheap auto insurance.

If you need more tips, take a look at the VIP 360 Insurance blog. Alan Rakin will give you tips about cheap auto insurance in Los Angeles, DUI insurance, SR-22 documents, motorcycle insurance, and more!