• Auto and Home Insurance

    Low Cost Auto Insurance

    Homeowners / Renters Insurance

  • Commercial Insurance

    Business / Commercial

    Life Insurance

  • Life and Health Insurance

    Motor Sports / Recreational

    Boat / Personal Watercraft

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What We Insure

Take a look below at some of the insurance services we provide. Click Here to view some of the carriers we represent. Then let one of our agents discuss your needs and help you find the best option for you and your family. You can also request a quote using our online quote forms.
Low Cost Auto Insurance that fit your needs!

At MCIA Insurance Services, LLC, we have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response to you within 1 hour. If you need a quote now and it is during our hours of operation, please feel free to give us a call at 707-644-5216.
Is your old insurance policy up for renew? Are you shopping for a new insurance policy? There are few things you should prepare for prior to beginning the insurance quote process. First you must decide exactly how much coverage you want? If you want the same coverage you can refer to your current policies declarations page. During your online quote you will see several coverage options to choose from. As you select additional coverage options your premium will increase. While some options are useful, others may be unnecessary. It's important to sit down and take a minute to review your specific insurance needs and then go about the insurance quote with a firm mind set as to what you need.

Low Auto Insurance – Questions to ask yourself:

Is my vehicle worth covering with comprehensive and collision?

Collision and Comprehensive coverage is not mandatory unless you are currently financing your vehicle. Adding this coverage can mean jumping your premium several hundred a year. Full coverage may be unnecessary if your car is worth very little. This decision will also depend on how much risk you feel comfortable retaining.

Do you have all the information needed to begin your free insurance quote?

Before you search for the cheapest insurance quotes online make sure you have the following information available for the most accurate insurance quotes. You will need the Vehicle Identification Numbers (VIN) for each vehicle you plan to insure. You will also need to have driving history information. Find the dates of any citations or accidents for you and anyone else that you plan to insure on your insurance policy. Social Security and Drivers License numbers are often requested during the quote process. This information will help the Insurance Company obtain motor vehicle records and reports needed to provide you with the most accurate rate quote but in many cases you can obtain an accurate quote without providing a social security number.

Is there any way I can combine my auto and homeowners insurance?

If you own a home you may be eligible for a multi-line discount if you take the steps needed to insure your home and auto policy with the same company. Depending on who you're insure with, you may save up to 15% on your auto insurance premium by also insuring your home. If you own more than one car it’s best to combine all vehicles on a single policy for the multi-car discount. Multi-line and multi-car discounts are very common amongst the Insurance providers offering personal lines coverage.

Auto Insurance Discounts, Tips and Facts

Posted below is some additional information to better prepare you in your search for lowest auto insurance rates.

Choosing an Insurance Deductible that fits you financially:

With most insurance policies, a higher deductible will indeed lower the premium rate. However, It is a good idea to choose a deductible amount you can easily have available to you in the event a claim must be made.

When Car Shopping Meets Insurance:

To make sure you can get a low cost car insurance rate on the next car you buy, compare insurance rates before making the purchase. Insurance premiums can vary by hundreds depending on the type of car you buy. Some cars are considered dangerous, unsafe while others may be known to have a higher theft risk.

Ask your local Independent Insurance Agent about available discounts.

For a lower rate you may also want to ask the insurance providers about driving courses you can take for additional discounts.

The Cheapest Auto Insurance Is Paid In Full

Last but not least, try to extend your payment intervals by 6 months or even a year. Like most products and services, the more you can pay up front, the more you will be able to save.

Low car insurance by comparison shopping:

We are an Indep

To get a Personal Auto quote now please click here:  Auto insurance quote request

Homeowners Insurance that fit your needs!

We have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response to you the same business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call at 707-644-5216 or just fill out the quote information and submit.

Home Insurance – Protecting Vallejo and Solano County

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. MCIA Insurance Services, LLC, can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Call 707-644-5216 for more information today!

California – What you need to know about homeowners insurance

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

MCIA Insurance Services, LLC,  is here to help you find the right insurance for your home

Whether you’re a home or condo owner, a renter, or a landlord, MCIA Insurance Services, LLC, will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

The Right Coverage. The Right Price. The Right Value.

The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replac

To get a Homeowners quote now please click here:  Homeowners insurance quote request

Business Insurance that fits your needs!

We have access to multiple A Rated, Admitted carriers to find you the best coverage for the best price. Please complete our quote questionnaire and we'll have a response within the same business day. If you need a quote now and it is during our hours of operation, please feel free to give us a call at 707-644-5216.

At, MCIA Insurance Services, LLC, we know protecting your business investment with insurance is a critical part of small business ownership. It minimizes the risks associated with unexpected events, liabilities, and losses.

However, as with all insurance markets, knowing and finding the best insurance for your needs is not an easy task.

Whether you are starting a business, taking on employees for the first time, or evolving your business structure, there are many variables that determine the right insurance for your small business, including your business structure, business activities, location, whether or not you hire employees, and so on.

Let MCIA Insurance Services, LLC, take the hassle of finding the right policy for your investment

There are two fundamental types of insurance - commercial business insurance, which is not necessarily required by law, and employer insurance, which is.

Below is a summary of the types of insurance you may wish to consider to protect your assets and investments, as well as the insurance requirements you must comply with as an employer.

1. Types of Commercial Business Insurance

This section covers the types of insurance policies available to you as a small business owner. Although not necessarily required by law, you would be wise to purchase enough business insurance to protect your assets against events such as the death of a partner, a natural disaster, or lawsuit.

And it’s a misconception to think that structuring your business as a corporation or LLC limits the need for business insurance. While these business structures do protect the personal assets of the owner from business liabilities, relying on business structure alone to protect your assets is not a substitute for liability insurance, which covers your business from losses.

It’s also important to know that, in certain instances, state law may require that your particular business activity is covered by some form of insurance. For example, if you use a car or truck for business purposes, your state may require that you purchase commercial auto insurance for its use. Refer to these insurance resources for more information about what insurance your state requires.

Here is a summary of the kinds of business insurance policies to consider for your small business:

  • General Liability Insurance - This insurance broadly covers and provides protection against the legal hassles associated with accidents, injuries and claims of negligence.
  • Product Liability Insurance - If you manufacture, wholesale, distribute and retail a product, this insurance protects against financial loss as a result of a product defect that can cause injury.
  • Professional Liability Insurance - If you provide a service to a customer, this insurance can protect against malpractice, errors, and negligence in the provision of those services to your customers. Some state governments require certain professions (e.g. physicians) to carry such a policy. 
  • Commercial Property Insurance - This covers everything related to the loss and damage of company property due to a wide variety of events such as fire, smoke, severe weather, vandalism, etc. The definition of 'property' is broad, and includes lost income, business interruption, buildings, computers, company papers and money. This is definitely one you should talk to an insurance expert about to understand your specific needs.
  • Home-Based Business Insurance - Homeowners' insurance policies do not generally cover home-based business losses. While you may be able to add on certain property damage riders to your policy, you may need to purchase additional policies to cover other risks, such as general and professional liability.

Since there are such a wide variety of insurance policies available, always discuss your individual business insurance needs with an insurance agent or broker.

2. Insurance Requirements for Employers

If your small business hires employees, you are required by state law to pay for certain types of insuranc

To get a Commercial quote now please click here:  Commercial insurance quote request

Helping you Help your Family!

At MCIA Insurance Services, LLC, we know that each client is unique, with diffrent needs, diffrent goals and a diffrent financial situation.

Planning for your families' financial security is perhaps the most fundamentally important and emotionally difficult finacial planning task you will undertake in your adult lives. The most common and most cost-efficient way for most people to guarantee the security of their loved ones is through the purchase of a life insurance policy.

What Type of Insurance is Best for You?

The choices in life insurance policies are bewildering. Keep one thing in mind: if you don't need it, don't buy it.

Do I Need Life Insurance?

Life insurance needs vary depending on your personal situation. If you have no dependents, you probably don't need life insurance. If you don't generate a significant percentage of your family's income, you may not need life insurance.

If your salary is important to supporting your family, paying the mortgage or other recurring bills, or sending your kids to college, life insurance is important to ensure that these financial obligations are covered in the event of your death.

How Much Life Insurance Do I Need?

It's difficult to apply a rule-of-thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. The general guideline is between five and ten times your annual salary.

What Type of Policy Should I Buy?

The debate over term versus whole life insurance goes on. Some experts recommend that if you're under 40 years old and don't have a family disposition for a life threatening illness, go for term insurance, which offers a death benefit but no cash value.

Whole life offers both a death benefit and cash value, but is much more expensive. Half of all cash value policies are surrendered within the first seven years, making the coverage very expensive because huge commissions (thousands of dollars the first year) and fees limit the cash value in the early years. Since these fees are built into the complex investment formulas, most people don't realize just how much of their money is going into their insurance agent's pockets.

Whole Life

In this more traditional life insurance policy, the premiums stay the same over the life of the policy, which stays in effect until your death, even after you've paid all the premiums. A cash reserve is built up, but you have no control over how it's invested.

Variable Life

Variable life polices build up a cash reserve that you can invest in any of the choices offered by the insurance company. The value of your cash reserve depends on how well those investments are doing.

Universal Life

You can vary the amount of your premium with Universal life insurance policies by using part of your accumulated earnings to cover part of the premium cost. You can also vary the amount of the death benefit. For this flexibility, you'll pay higher administrative fees.

    How Much Will It Cost?

    The least expensive life insurance is likely to be from your employer's group life insurance plan. These policies are typically term policies, which means you're covered as long as you work for that employer. Some policies can be converted upon termination.

    The cost of other types of life insurance varies greatly, depending on how much you buy, the type of policy you choose, the underwriter's practices, how much commission the company pays your agent, etc. The underlying costs are based on actuarial tables that project your life expectancy. High risk individuals, such as those who smoke, are overweight, or have a dangerous occupation or hobby (for example, flying), pay more.

    There are often hidden costs in life insurance policies, such as fees and large commissions, that you may not find out about until after you purchase the policy. There are so many different kinds of life insurance, and so many companies that offer these policies, that I recommend using a fee-only insurance advisor who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your advisor should not be affiliated with any particular insurance company and should not receive a commission from any policy.

    An healthy 30 year-old man could expect to pay approximately $300 a year for $300,000 of term life insurance. To receive the same amount of coverage under a cash value policy would cost over $3,000.


    When choosing life insurance, use the Internet's resources to educate yourself about life insurance basics, find a broker you trust, then have the policies he or she recommends evaluated by a fee-only insurance advisor.

    Internationally known financial advisor Suze

    To get a Life quote now please click here:  Life insurance quote request



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    Phone: 707-644-5216
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