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Insurance companies are always trying to sell you extras.  Think about the various coverages you have and if you still need them all.  For example, if you carry collision coverage on your 15 year old car, is it really worth it to keep additional premium billing cycle? In general, the newer and more expensive your vehicle is, the more it will cost to insure.  Logically, if a driver of a 1995 Chevy Cavalier gets into an accident with the driver of a BMW, the insurance company will have to pay out a lot more for the BMW than the old Cavalier, so the BMW driver’s rates will be much higher. Purchasing a vehicle with a theft deterrent system or having one installed will most often get you a discount. Outside of who your insurance provider is and the type of vehicle being insured, your driving habits are probably the next most important determining factor for how much you pay for insurance.  It’s pretty simple, those who are involved in more accidents and get more tickets have much higher rates than those that don’t. While SUVs are expensive to insure, some are more expensive than others and it usually all boils down to how safe the SUV truly is.  This is why you might want to take it upon yourself to actually do a quick search on any models that you might be considering … it makes a difference. Once you have done that, go ahead and look up a car insurance agent and company and I can promise you’ll get a good deal!
Most people don’t consider an SUV a huge vehicle, but when you put it against another car it is actually a big vehicle and that is the major reason why it is so expensive to insure.
However, we are going to talk about some key facts in the next couple blogs just so you can make sure that you and your SUV get the lowest rate possible. When you shop with us, you won’t just get quotes – you’ll get real, live rates that you can compare side by side. Providing family and individual health insurance plans for residents of Lodi, CA and the surrounding areas, McClerkin Insurance Services has been committed to providing high quality, cost-efficient insurance plans for 39 years. While companies are required under the Affordable Care Act to provide insurance to their employees, employees of small businesses are exempt from this mandate, requiring many individuals to seek out an individual policy. Family insurance plans, much like Individual plans, offer insurance outside of your employer. McClerkin Insurance Services offers a variety of Dental and Vision Coverage options as well.
What level of insurance you require often varies throughout your lifetime and is based on many factors. Major Medical plans are best suited to individuals with relatively few health concerns who visit the doctor mainly for routine physicals or major ailments. On the other hand, comprehensive Medical plans often offer lower copays in exchange for higher premiums. Step 3: Contact us to help determine what level of coverage and health insurance provider best fits your needs.



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Proudly ServingCalifornia's Central Valley, Bay Area, Northern CA, Lodi, Galt, Morada, Manteca, Elk Grove, Ceres and surrounding areas. McClerkin Insurance Services also provides insurance to residents of California, Nevada, Oregon, Washington and Arizona. If you have car and has a legal licence or road permit to drive you need to get a auto insurance. That’s why we bring you multiple quotes with just a single form – to make shopping for car insurance as easy as it should be.
You can also see offers from different carriers, edit coverage details for more tailored results, and buy your policy online or over the phone.
So when you shop with us, you’ll choose exactly how you want to receive your quotes and nothing more.
That's why we offer to help cancel your current policy and make switching policies even easier.
Making sure that you and your family are covered for whatever obstacles life sends your way is vital to your peace of mind. Individual Health Insurance plans are also the perfect solution for young adults newly on their own who need health insurance coverage.


Whether your employer is exempt from offering insurance under the Affordable Care Act, or the insurance offered by your employer does not meet your family’s needs, McClerkin Insurance Services can find the perfect plan for your family, regardless of its size. Major Medical Plans often exchange lower premiums for higher out of pocket costs at the time of a doctor’s visit (coinsurance). If you have chronic conditions that require regular doctor’s visits, this plan may be a more cost effective solution. Determine whether you would prefer to spread out your health care costs in the form of premiums and copays, or whether you would prefer to pay for your health services at the time of the visit (coinsurance). We’ll even help you find hidden discounts and explore bundling options, so you can save even more.
Whether you get your quotes online, over the phone, or from individual carriers, we won’t share your information with anyone else. QuinStreet does not include all insurance companies or all types of products available in the marketplace.
Our courteous agents will thoroughly research plans to assure that you are provided with the most cost-efficient plan for your family. Whatever your needs may be, McClerkin Insurance Services is committed to finding you the best option for both you and your budget.
A supplemental Dental and Vision Plan can ease the burden of these visits and offer you or your family peace of mind that all aspects of health care are covered, no matter how large or small.
We are able to offer plans ranging from Major Medical (catastrophic) to Comprehensive Medical coverage. Do you prefer a plan with lower co-pays in exchange for higher premiums, or do you prefer to pay more when an illness occurs?
Please remember that under the Affordable Care Act, all routine physicals and vaccinations must be 100% covered.




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