Frequently asked questions
Our Insurance Products
If you've recently bought a brand new or new-to-you vehicle in Salinas, you'll want an all-encompassing auto insurance plan that protects your new investment. Cultivate Insurance Services. Inc. specializes in supplying local drivers with personalized auto coverage that gives you peace of mind. Let us give you the confidence that comes with knowing you and your vehicle are in the very best of care.
Cultivate Insurance Services. Inc. is an agent who gets to know you and your driving habits before recommending a superior protection plan backed by Nationwide. The features of your vehicle, how often you drive, where you park your vehicle at night, and your driving record, among other factors, all influence your premium. We take each of those factors into consideration before recommending a plan that fits your needs. If you do have to file a claim, we'll make sure the process is quick and simple so that you can have your vehicle repaired as quickly as possible and get back to enjoying the open road. For those times when repairs will take several days, we recommend that you opt for rental reimbursement coverage so that you don't spend more than necessary to maintain your regular driving habits.
Even if you haven't yet bought your vehicle, it's never too early to start thinking about auto coverage or the right company to provide you with that coverage. Whenever you're ready, call (831) 970-1976 to speak with an agency representative to discuss your coverage needs. You can also stop by and see us at 16 W Gabilan St.
At Cultivate Insurance Services. Inc. it's our job to increase your sense of financial security and peace of mind through adequate home insurance. There are many components that make up a well-designed insurance policy and Cultivate Insurance Services. Inc. can help you understand and choose the right types and amounts of coverage for your individual situation. Your location in Salinas, the number of detached buildings on your property, and your personal belongings all affect the type of coverage you need to be sufficiently protected.
We want your entire experience with Cultivate Insurance Services. Inc. to be simple and hassle-free and that's why we work with Nationwide. Specialized coverage, easy claims processing, and top-notch service are the standard, and each policy is tailored to fit your specific structure and situation. With focused optional coverage such as Brand New Belongings®, you can receive assistance in replacing or repairing your covered belongings.
Whatever options you choose, we strive to make your entire insurance experience, from choosing a policy to filing a claim, as simple as possible. If you need coverage but don't have time to stop in our office, give us a call at (831) 970-1976. We can design a policy over the phone and answer any questions you may have about protecting your valuables. Call today for service or to schedule an appointment at our office located at 16 W Gabilan St.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Salinas life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at Cultivate Insurance Services. Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call (831) 970-1976 and ask for Cultivate Insurance Services. Inc. or visit us at 16 W Gabilan St,Salinas,CA,93901. We will be happy to work with you to make sure your family’s financial security is always protected.
As a business owner you have a lot of responsibility. One of your priorities should be to make sure that you are properly protected in the event of a loss. At Cultivate Insurance Services. Inc. in Salinas, we understand that every company has its own unique risks and coverage needs. That is why we go over your business in detail including if you own or rent your building, the number and types of employees you have, and the nature of your business. We then recommend a custom plan to make sure you are protected against a variety of different risks.
While some companies may offer a one-size-fits-all policy, we have several options that you can choose from. For example, if your employees will be driving company vehicles or their own for business purposes it is important to have commercial auto coverage. If your business depends on computers and equipment for daily operation, you may want to have protection against equipment breakdown. You also may need extra liability protection, such as umbrella insurance, in order to protect you when accidents happen. To make things easy, many business owners choose our business owners policy (BOP), which packages important coverages together.
When you are ready to protect your company, Cultivate Insurance Services. Inc. is available to walk you through your options. You can call our office at (831) 970-1976 to set up an appointment or speak with an agent over the phone. You can also visit our office at 16 W Gabilan St.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Cultivate Insurance Services. Inc. also offers products in AZ, CA. Please call for information on products in those states.
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