--- title: California Home Insurance Agency providing CA Home, Auto, Apartment Insurance to Los Angeles, Orange County & Ventura County California | Auto Insurance description: Auto Insurance | --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## [Do You Have the Right Insurance for Your Auto Repair Business?](https://www.sutherland-scherff.com/blog/bid/75682/Do-You-Have-the-Right-Insurance-for-Your-Auto-Repair-Business) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on November 7, 2011 at 10:00 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13461994-gif/images/auto_repair_insurance.gif) ](https://www.sutherland-scherff.com/blog/bid/75682/Do-You-Have-the-Right-Insurance-for-Your-Auto-Repair-Business) Garage operations have hybrid coverage needs:  there’s a blur and overlap between the general liability for the operations and the automobile liability exposures. A general liability policy does not provide enough coverage and a commercial auto policy provides too much. Fortunately there is a way to properly handle this need. [Read More](https://www.sutherland-scherff.com/blog/bid/75682/Do-You-Have-the-Right-Insurance-for-Your-Auto-Repair-Business) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/75682/Do-You-Have-the-Right-Insurance-for-Your-Auto-Repair-Business#comments-listing) Topics: [Business Liability Insurance](https://www.sutherland-scherff.com/blog/topic/business-liability-insurance), [Business Owners Insurance](https://www.sutherland-scherff.com/blog/topic/business-owners-insurance), [Business Personal Property](https://www.sutherland-scherff.com/blog/topic/business-personal-property), [Building Ordinance or Law Coverage](https://www.sutherland-scherff.com/blog/topic/building-ordinance-or-law-coverage), [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [Building Insurance](https://www.sutherland-scherff.com/blog/topic/building-insurance), [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [auto service insurance](https://www.sutherland-scherff.com/blog/topic/auto-service-insurance), [Auto Repair](https://www.sutherland-scherff.com/blog/topic/auto-repair), [Auto Shop](https://www.sutherland-scherff.com/blog/topic/auto-shop) ## [New Legislation May Give Benefits To Continuous Car Insurance Holders](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 30, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462443-jpg/images/car_legislation.jpg) ](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) Back in 2010, legislation was proposed that would reward [car insurance](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/) consumers for maintaining continuous coverage with **discounts to their premiums**, no matter who they had their coverage with.  That legislation **failed to pass.**  [Read More](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64929/New-Legislation-May-Give-Benefits-To-Continuous-Car-Insurance-Holders#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [Is Your Child Starting To Drive? Check Out Our Youth Car Insurance Tips](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 24, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13463344-jpg/images/youth_car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) If you are beginning to shop around for your child’s first [car insurance policy](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/), you’re probably already aware that it’s not unusual for student drivers to **pay higher premiums**. Young adults and students **aged 15-24** are statistically considered a **high risk group**, especially young males, who almost always pay even **higher costs**. That said, there are some things you and your child can do to mitigate costs. [Read More](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64579/Is-Your-Child-Starting-To-Drive-Check-Out-Our-Youth-Car-Insurance-Tips#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [New Legislation: Makes California Roads Safer & Slashes Car Insurance Rates](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 23, 2011 at 9:30 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462439-jpg/images/car_insurance.jpg) ](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) In a recent **nationwide survey**, industry experts have revealed some intriguing statistics about what **Americans** think might **increase safety** on our roads.  The majority of us think that the **teen demographic** poses the most danger on the road.  As a result, 60 percent of road users support a national law that would set the **minimum standards** for a graduated driver’s licensing program, which would hopefully also have an impact on [car insurance premiums](https://www.sutherland-scherff.com/personal-insurance/auto-insurance-copy/tips-for-more-affordable-car-insurance/). Here are a few more findings from the survey: [Read More](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/64467/New-Legislation-Makes-California-Roads-Safer-Slashes-Car-Insurance-Rates#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) ## [How Can California Drivers Get Protection From Uninsured Motorists?](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 12, 2011 at 9:14 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462762-jpg/images/how_can_california_drivers_get_protection_from_uninsured_motorists.jpg) ](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) **Uninsured motorist insurance** is a topic that raises a lot of questions. In California, almost one in every three drivers is uninsured or inadequately insured. An uninsured or underinsured motorist causes almost one in every two collisions. In addition to not being properly insured, uninsured motorists tend to drive unsafe cars, neglect maintenance and are found to be the least careful drivers on the road. [Read More](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63276/How-Can-California-Drivers-Get-Protection-From-Uninsured-Motorists#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [Insurance Tip: Avoid Honda & Toyota When Choosing a New Car](https://www.sutherland-scherff.com/blog/bid/63028/Insurance-Tip-Avoid-Honda-Toyota-When-Choosing-a-New-Car) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 10, 2011 at 10:44 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-25532044-jpg/images/avoid_honda__toyota_when_choosing_a_new_car.jpg) ](https://www.sutherland-scherff.com/blog/bid/63028/Insurance-Tip-Avoid-Honda-Toyota-When-Choosing-a-New-Car) Nothing against these popular car manufacturers, but the statistics show that **Californian’s favor these car brands just as much as car thieves do!** The Honda Accord, Honda Civic and Toyota Camry car models have topped the California state lists of the most popular stolen vehicles in 2010 according to data that was published recently by the National Insurance Crime Bureau. [Read More](https://www.sutherland-scherff.com/blog/bid/63028/Insurance-Tip-Avoid-Honda-Toyota-When-Choosing-a-New-Car) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/63028/Insurance-Tip-Avoid-Honda-Toyota-When-Choosing-a-New-Car#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) ## [Good News For California Drivers as Car Insurance Rates Decrease](https://www.sutherland-scherff.com/blog/bid/62102/Good-News-For-California-Drivers-as-Car-Insurance-Rates-Decrease) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on August 2, 2011 at 10:02 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462663-jpg/images/good_news_for_california_drivers_as_car_insurance_rates_decrease.jpg) ](https://www.sutherland-scherff.com/blog/bid/62102/Good-News-For-California-Drivers-as-Car-Insurance-Rates-Decrease) At Sutherland-Scherff, we are all for giving Californians the best premium rate possible on their [car insurance](https://www.sutherland-scherff.com/personal-insurance/auto-insurance/). The **premium for car insurance** is calculated based on a host of factors, including age, gender, occupation, driving history, vehicle type and primary location of the vehicle. Based on individual circumstances the premium can vary, but we always strive to **give our customers the best possible car insurance premium.** [Read More](https://www.sutherland-scherff.com/blog/bid/62102/Good-News-For-California-Drivers-as-Car-Insurance-Rates-Decrease) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/62102/Good-News-For-California-Drivers-as-Car-Insurance-Rates-Decrease#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [General Liability](https://www.sutherland-scherff.com/blog/topic/general-liability) ## [Crash Course in Commercial Auto Insurance for California Businesses](https://www.sutherland-scherff.com/blog/bid/60878/Crash-Course-in-Commercial-Auto-Insurance-for-California-Businesses) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on July 22, 2011 at 10:49 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462474-jpg/images/crash_course_in_commercial_auto_insurance_for_california_businesses.jpg) ](https://www.sutherland-scherff.com/blog/bid/60878/Crash-Course-in-Commercial-Auto-Insurance-for-California-Businesses) When considering taking out a business or **“commercial” auto insurance policy**, there are some basic things that business owners need to know. Being armed with this knowledge will aid business owners in getting the **best California commercial auto insurance deal**, while being fully protected with the right amount of coverage. While many Californians think that **business auto insurance** is just like personal auto coverage, there are differences everyone should understand when evaluating their options. The more you know as a business owner, the more you can compare each policy, and so you can make an informed **commercial auto insurance** choice. [Read More](https://www.sutherland-scherff.com/blog/bid/60878/Crash-Course-in-Commercial-Auto-Insurance-for-California-Businesses) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/60878/Crash-Course-in-Commercial-Auto-Insurance-for-California-Businesses#comments-listing) Topics: [Business Insurance](https://www.sutherland-scherff.com/blog/topic/business-insurance), [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance) ## [Mixing Business and Pleasure, What Kind of Auto Insurance Is Suitable](https://www.sutherland-scherff.com/blog/bid/60766/Mixing-Business-and-Pleasure-What-Kind-of-Auto-Insurance-Is-Suitable) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on July 21, 2011 at 10:13 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462860-jpg/images/mixing_business_with_pleasure_what_kind_of_california_auto_insurance_is_suitable.jpg) ](https://www.sutherland-scherff.com/blog/bid/60766/Mixing-Business-and-Pleasure-What-Kind-of-Auto-Insurance-Is-Suitable) In California, no matter what size the business, there tends to be a crossover between business use of a **vehicle and personal use of a vehicle**. It all depends on the time of day! While at work, a vehicle will be used for business. But what about after work or on the weekend? Californians love a road trip to the beach, and it is no secret that there will be a number of business vehicles at the local beach parking lot each weekend. A high proportion of vehicles are used for both business and pleasure. Ensuring that the vehicle and driver are covered for both types of use **can be of concern**, but with the **right auto insurance company**, staying protected is not a problem. [Read More](https://www.sutherland-scherff.com/blog/bid/60766/Mixing-Business-and-Pleasure-What-Kind-of-Auto-Insurance-Is-Suitable) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/60766/Mixing-Business-and-Pleasure-What-Kind-of-Auto-Insurance-Is-Suitable#comments-listing) Topics: [Building Insurance](https://www.sutherland-scherff.com/blog/topic/building-insurance), [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Car Insurance](https://www.sutherland-scherff.com/blog/topic/car-insurance) ## [Before Buying a Commercial Vehicle, Consider All Angles For Insurance](https://www.sutherland-scherff.com/blog/bid/60629/Before-Buying-a-Commercial-Vehicle-Consider-All-Angles-For-Insurance) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on July 20, 2011 at 9:11 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462012-jpg/images/before_buying_a_commercial_vehicle_consider_every_angle.jpg) ](https://www.sutherland-scherff.com/blog/bid/60629/Before-Buying-a-Commercial-Vehicle-Consider-All-Angles-For-Insurance) Purchasing a vehicle for a business in California tends to involve a weigh up of price versus features and value. The price of the vehicle, along with the kinds of features it has will also affect your **commercial auto insurance premium**. This cost will linger every year when a business renews its **commercial auto insurance**.  Factors such as the vehicle’s age, usage type and class will also have an effect on the commercial auto insurance premium. Having the knowledge about how a **commercial insurance premium** is calculated will allow a business owner to evaluate the most cost effective option for his or her company. [Read More](https://www.sutherland-scherff.com/blog/bid/60629/Before-Buying-a-Commercial-Vehicle-Consider-All-Angles-For-Insurance) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/60629/Before-Buying-a-Commercial-Vehicle-Consider-All-Angles-For-Insurance#comments-listing) Topics: [Auto Insurance](https://www.sutherland-scherff.com/blog/topic/auto-insurance), [Commercial Auto Insurance](https://www.sutherland-scherff.com/blog/topic/commercial-auto-insurance) [All posts](https://www.sutherland-scherff.com/blog/all) [Next](https://www.sutherland-scherff.com/blog/topic/auto-insurance/page/2) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - [Business Insurance (28)](https://www.sutherland-scherff.com/blog/topic/business-insurance) - [Auto Insurance (22)](https://www.sutherland-scherff.com/blog/topic/auto-insurance) - [restaurant insurance (22)](https://www.sutherland-scherff.com/blog/topic/restaurant-insurance) - [Home Insurance (17)](https://www.sutherland-scherff.com/blog/topic/home-insurance) - 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