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Tips For Successfully Purchasing Your First Insurance Policy

Little & Sons Insurance Group / Personal Insurance  / Tips For Successfully Purchasing Your First Insurance Policy

Tips For Successfully Purchasing Your First Insurance Policy


Insurance Shopping Basics

If buying insurance is on your to do list, there are a variety of planning measures you must consider. However, if you do not understand some standard concepts and terms, this can be an extremely daunting task. We want you to be completely in the know so that you can accomplish the task of buying insurance with ease, which is why we have gathered a list of explanations you should be aware of:

  • Premium – When you purchase insurance, you will pay a monthly premium. You can also choose to pay quarterly and annually, which may land you a substantial insurance discount. This premium amount can be decreased if you choose a higher deductible.
  • Deductible – Speaking of deductibles, this number is extremely important, as it will determine how much you will be required to pay before you receive any coverage through your insurance policies. For example, choosing a $1,500 deductible may be dangerous if you do not have a substantial emergency fund, as you will be required to pay that $1,500 before your insurance company covers your damages.
  • Coverages – Each type of insurance policy will come with different coverage options that you will need to choose from. It is important that you go through this step with an independent insurance agent in detail so that you can ensure you are receiving the right amount of coverage. Since many perils are excluded from insurance policies, you will want to ask questions regarding limitations and exclusions.
  • Limitations – Speaking of limitations, each policy will come with a set dollar amount of coverage. This means that you will not receive coverage past your selected amount, unless you opt for excess coverage.

Serving Beaumont, Banning, Calimesa, and Redlands, contact Little & Sons Insurance Group for all of your California auto insurance needs. Your security on the open roads is our top priority, and we will go above and beyond to secure the protection you deserve.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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Good Friday - Closing at 1pm

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Independence Day – Closed

Labor Day – Closed






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Veterans Day – Closed

Day before Thanksgiving – 8:30 – 1pm

Thanksgiving – Closed

Day after Thanksgiving – Closed

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