california auto insurance
auto insurance california
Start Your FREE Quote!

Start a FREE insurance quote and save on your premium, with the nation's preferred carriers.

Insurance Type
Enter your ZIP code

 

Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

WELCOME TO UNIVERSAL LINES INSURANCE SERVICES

Universal Lines Insurance Services is an independent insurance agency located in Burbank, California. We represent all the major providers for Personal and Commercial Lines Insurance Products. We specialize in preferred and non preferred risks, which insure that our client's are matched with the best coverage and prices at each of their individual needs.

Our mission at Universal Lines Insurance is to provide insurance products and services with high quality, protection and value pricing. The key to success is quality business services and products, personal contact, timely and accurate service, development of one-on-one relationships with our cliental, and a reputation of honesty and integrity. We would like to thank you for trusting and choosing Universal Lines Insurance to assist you with all your insurance needs.

Even for those born to shop, insurance seldom tops the list of favorite purchases. For less enthusiastic buyers, the thought of calling an insurance agent or broker and sitting through a session of deductibles, exclusions, riders, or other insurance terminology can seem intimidating.

California Auto Insurance
California Home Insurance
California Business Insurance

Furthermore, insurance protection is an intangible benefit. You usually don't collect on your investment until disaster strikes-whether it's property damage (home or auto), injury, illness, or death. Although many consider insurance necessary, it is not always understood. As a result, consumers often buy insurance without adequately planning or even understanding what the marketplace has to offer.

The purchase of insurance is one of the most important personal business transactions that you make. Your financial future and that of your family may depend upon what policies you choose to purchase. Smart shopping takes time and effort. The rewards of smart shopping are increased understanding of the insurance you have purchased, more control over the insurance you have purchased, and the peace of mind that results from an informed decision making process. Smart shopping starts and ends with Universal Lines Insurance Services where we represent the Industries leading preferred companies and create a package that focuses on each individual's needs.

CALIFORNIA AUTO INSURANCE

Auto insurance is a contract that helps pay for certain types of financial losses or obligations resulting from the use or ownership of an automobile. To obtain this contract (insurance policy), you pay a specified amount of money called a premium. In return for the premium paid, the auto insurance company agrees to pay certain expenses and legal liabilities depending on the terms of the insurance policy. Having the right California Auto Insurance may prevent you from suffering a large financial loss in the event of an automobile accident.

Get California Auto Insurance Quotes Now
California Home Insurance
California Business Insurance

CALIFORNIA HOME INSURANCE

Homeowners insurance often protects your largest financial investment. California Home Insurance is
an elective combination of coverages for the risks of owning a home. This can include losses due to fire, burglary, vandalism, earthquake, and other perils. Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy.

This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


Get California Home Insurance Quotes Now
California Auto Insurance
California Business Insurance

CALIFORNIA MEDICAL INSURANCE

Illness or non-work related injury can be financially devastating, especially when considering the rising cost of health care over the past 20 years. California Medical Insurance can help protect you from large out-of-pocket health care expenses that can accumulate during an acute or chronic illness. Health insurance pays for expenses incurred for diagnosis and treatment of covered medical conditions. There are many different types of health insurance plans available in California. If you have a choice, it is important to choose the plan that best fits your specific needs, budget, and lifestyle. In some cases if you have a job, your employer may provide group comprehensive major medical coverage, but this is not always the case. As an individual you may purchase comprehensive major medical coverage through an authorized insurance agent or broker who is licensed by the State of California to sell health insurance products like Universal Lines Insurance Services.

Get California Medical Insurance Quotes Now
California Auto Insurance
California Home insurance

CALIFORNIA LIFE INSURANCE

The purchase of life insurance is an important decision for both you and your family. There are many reasons why California Life Insurance policies or annuity contracts are purchased, but these reasons should be based upon your financial planning needs. Factors such as your marital status, number of dependents and cost for their support, future education needs, current and anticipated family income, and your current assets and debt obligations all play a role in determining the amount of life insurance that is right for you. Your need for life insurance will vary with your age and responsibilities. The amount of insurance you buy should depend on the standard of living you wish to assure for your dependents. You should consider the amount of assets and sources of continuing income available to your dependents when you pass away.

Get California Life Insurance Quotes Now
California Auto Insurance
California Home Insurance

CALIFORNIA BUSINESS INSURANCE

Whether you are contemplating starting a new business, are a new business owner, or have owned a business for many years, California Business Insurance can be one of the most important ongoing financial investments you make in the life of your company. Operating a business is extremely challenging without having to worry about suffering significant financial loss due to unforeseen circumstances. Business insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury. Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a severe loss or recovering with minimal business interruption and financial impairment to your company's operations.


Get California Business Insurance Quotes Now
California Auto Insurance
California Home Insurance

NATURAL CATASTROPHES
Natural catastrophes can happen in an instant. Families and individuals should prepare in advance for any major disaster by having emergency kits ready and developing plans to follow before, during and after an event. There are specific, effective ways people can mitigate the financially-devastating and life-threatening dangers posed by Wildfires, Earthquakes and Floods. Different types of insurance can help alleviate the financial burdens of rebuilding a home or business, or replacing other material possessions.

CLAIM TIPS

  • Ask for written guidelines from the adjuster on how the claim will be adjusted.
    Welcome the help offered by the adjuster, but stick to business and share only the information you actually know to be fact; don't speculate about what's been damaged or lost.
  • Keep a log of all phone calls to and from the adjuster.
  • Keep copies of all correspondence between you and the adjuster/insurer.
  • Gather all receipts of your living expenses and other documents that pertain to insurance or your property. Keep the receipts in one-easy to find location and in chronological order if possible.
  • Get copies of the Unfair Practices Act and the Fair Claims Settlement Practices Regulations from the California Department of Insurance, either from the Website or by calling the hotline at 1-800-927-4357

GETTING YOU INSURED
Apply today for free insurance quotes. Our carriers will offer the most competitive quotes for the most protective coverages. All you need to do is fill out our quick quote form and one of our professionally licensed agents will contact you and help you walk away with unmatched protection from the comfort and convenience of your own home.

California Auto Insurance
California Home Insurance
California Business Insurance

insurance news & articles

California Auto Insurance – Money Saving Tips for Young Drivers

07-11-2011
If you are under the age of 25, you have to pay more money for your California auto insurance premiums than other drivers because of your age. This is something that you cannot control, and you have t...

California Car Insurance – How Companies Figure Your Rates

06-06-2011
Have you ever wondered how insurance companies figure your rates for California car insurance? While part of it had to do with the car you drive, there are actually many other factors involved that de...

California Auto Insurance – How to Save Money on Your Policy

05-23-2011
California auto insurance can be expensive, and that is why a lot of people do not get it in the first place. Whether you live in Los Angeles or in a much smaller town, you need some kind of car cover...

California Car Insurance – Importance of Proper Insurance

05-13-2011
California car insurance can be a hefty expense, especially in a state that already has the highest standards of living in the country. If you have been debating whether you should get insurance or no...

California Car Insurance – The Best Cars for Low Rates

05-03-2011
If you want to reduce the amount of money you pay for your California car insurance, you need to think about buying the right kind of car for the job. Many people do not realize how much the vehicle w...

California Home Insurance – Options for Every Home

04-23-2011
Owning or renting a home comes with a unique responsibility. When you live with someone else, you do not have to worry about the building or anything inside it because most of it is not yours. When yo...

California Auto Insurance – What Determines Your Rates?

04-15-2011
When you go to buy California auto insurance, you should find that you pay a different amount in premiums than someone else does. In fact, you may have the exact same coverage as someone else and stil...

Should You Hire An Attorney To Fight On Your Behalf With An Auto Insurance Company?

03-07-2011
A car accident could be one of the most stressful experiences in our life. Some are usually more serious than others, but all come with the added anxiety of being concerned about your vehicle and what...

What Exactly is UM/UIM Coverage?

02-17-2011
One component of an insurance policy should be Uninsured or Underinsured motorist coverage (UM/UIM).  Whenever buying or upgrading an insurance policy, you will need to be sure that you have these cov...

What is The Best Company to Obtain Affordable Car Insurance from?

02-16-2011
When searching for inexpensive California car insurance you should shop online, acquire some comparison quotes and find the most affordable price available. Even so, it might be wise to also take into...

Does Your Current Auto Insurance Coverage Transfer to A New Purchased Vehicle?

02-15-2011
It is a beautiful Sunday afternoon and you decide to go to a dealership and test drive a new vehicle. But prior to buying that sweet ride, make sure your vehicle insurance covers any mishaps. Peopl...

Pit Bull Dogs and California Homeowners Insurance

02-13-2011
If you’re a property owner with a pit bull or are thinking about getting a pit bull, you should be aware that your dog can affect your California homeowners insurance. Here are a few points to take in...

Search the Web to Find the Right Auto Insurance Quote

02-12-2011
Why pay more money for California car insurance when you just don't need to? Lots of people pay more money on their auto insurance simply because they feel it's safe. They're used to the name of their...

home insurance
insurance image auto quotes  business quotes


Auto Insurance | Home Insurance | Business Insurance | Health Insurance | Life Insurance | Terms & Conditions

© 2010 Universal Lines Insurance Services. License # 0F82090

Design and Programming by
Gavalian Web Studio