All Insurance

More... page 3

AAA: The average cost of auto

insurance grew 5.7% last year

page 6

Insurance

tips

Commissioner Poizner Urges All

Californians to Evaluate Need for

Earthquake Insurance

EJEMPLAR GRATUITO,PROHIBIDA SU VENTAEJEMPLAR GRATUITO,PROHIBIDA SU VENTA

FREE COPY,NOT FOR SALEFREE COPY,NOT FOR SALE

No 0April, 2010No 0April, 2010

What does my credit rating have

to do with purchasing insurance?

Monthly Magazine published by CSIS-College Student Insurance Service, Inc.

Revista mensual publicada por CSIS-College Student Insurance Service, Inc.

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At CSIS-College Student Insurance Service Inc., you'll enjoy working with our friendly and professional staff. Each is dedicated to your complete satisfaction, with fast, accurate, and courteous service to handle all your needs, from additional quotes to processing any claims.

We are - and always have been - family run and operated. Integrity and honesty are important to us. After all, our family name and pride are riding on each and every transaction.

We invite you to give us a call to answer all your insurance questions, or to provide you with a great, low rate quote.

Call today! You'll be glad you placed your trust - and your family's insurance needs - in our capable hands.

California Department of Insurance License # 0787082

Auto Insurance - HomeownersBusiness - Term Life - Life Insurance

CSIS-College Student Insurance Service is a family-run agency started back in 1970 as an affordable source of insurance for college students. Over the years, our goal of helping good people get good rates hasn't changed, but our clientele has - they've graduated and started families of their own.

Today we are a full-service insurance agency handling all the insurance needs of seconds and even third generation clients! We deliver low rates and great service that keeps families coming back.

With seven convenient locations we can meet all your insurance needs, especially your vehicle insurance needs. We specialize in Mercury Insurance, one of the most respected and lowest rate providers in the industry, but we check with several carriers to make sure you get the LOWEST rate. That is our number one goal. Call us today for a rate quote. From our family to yours, you'll be glad you did.

The CSIS FamilyThe CSIS Family

13211 Garden Grove Blvd., Suite 100

Garden Grove, CA 92843Phone: 714-534-0072

Toll-Free: 1-800-761-3811Fax: 714-534-0438

And we have 6 more locations

We're on YOUR SIDE!

We partner with the best, most forward thinking companies to offer both the business and the consumer cost effective plans.

CSIS-College Student Insurance Service, Inc. Savings, Service, Security... CSIS-College Student Insurance Service, Inc. Savings, Service, Security...

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here is a new association of insurance agents and brokers in the state of California, which was created as a new benefit option for customers Twith interesting promotions and discounts, to the time that offers an

extensive rank of business services alternatives and professional development to the integrated members, while contributing to increased sales to insurance companies, in a virtuous cycle where everyone wins, said Joe Jimenez of CSIS Insurance, and former president of “The Alliance of Insurance Agents & Brokers” .

New association of

insurance agents

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Joe Jimenez, CSIS Insurance, CEO of the new association of insurance agents.

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When it comes to choosing an insurance company, we know consumers want the lowest price possible. But they also want the appropriate amount of coverage to keep their family safe. Why should they have to sacrifice one over the other? With Mercury, we believe in having the best of both worlds. Low rates, excellent coverage and a local agent who’s there every step of the way. That’s what sets Mercury apart from our competitors. And that’s what makes us the obvious choice when it comes to insurance.

Since we first opened our doors in 1962, we’ve provided comprehensive coverage options ranging from personal auto insurance to homeowners insurance to mechanical breakdown protection. Dedicated managers and enthusiastic employees work hand-in-hand with our network of independent agents to make Mercury one of the fastest-growing auto insurers in the nation and the leading insurer in California. The momentum is building. And the good news is we have no plans to stop.

The hunt for

extra savingsMercury’s rates are already among the lowest in the industry, but that’s only the beginning. You can save even more when you include additional discounts that may be available.

· Good-Driver Discount

· Multi-Car Discount

· Professional/Association Discounts

· Anti-Theft Discount

· Good Student Discount

· Multi-Policy Discount

Ask your agent about additional discounts for which you may be eligible. You’ll be glad you did!

*Discounts may vary by state. Please contact a local agent for more information.

A Parental Guide to Surviving your Teen Driver

· Let your teen practice driving as much as possible.

· Keep calm and don’t overreact while your teen is driving.

· Set a good example and always wear a seatbelt.

· Educate them about the dangers of speeding.

Mercury insurance is sold through local independent agents, which means you'll get the personalized service you deserve.

drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Non-owners policies are also known as Named Operator Policies. The policies are useful for people whose drivers license has been suspended and they have to have insurance for their license to be reinstated.

Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle.

The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry liability insurance coverage to ensure that their drivers can cover the cost of damages to people or property in the event of an automobile accident.

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary, for example, when a family member comes of driving age that they be added to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you

Diferent kinds of Coverage available in

auto insurance

Diferent kinds of Coverage available in

auto insurance

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Be Sure to Insure! Here are some things you need to know about recent vehicle liability insurance changes:

· As of January 1, 2006, all insurance companies are required to report insurance status information to DMV for all private use vehicles (CVC §16058).

· As of July 1, 2006, law enforcement and court personnel have access to DMV records to verify that your California registered vehicle is currently insured (CVC §16058.1).

· Effective October 1, 2006, your vehicle registration is subject to suspension if the liability insurance is cancelled, OR if your insurance company has not electronically provided evidence of insurance when you purchase and register your vehicle, OR if you provide DMV with false insurance information (CVC §4000.38).

What does this mean to the California vehicle owner?

· You will have greater assurance that the vehicle next to you on the road is covered by liability insurance.

· You will have the opportunity to renew your registration online, over the phone, or at a self-service terminal.

· You will not have to submit paper proof of insurance with your private-use vehicle registration renewal.

Remember, you must carry proof of insurance in your vehicle at all times.

Insurance Requirements for Vehicle Registration California’s Vehicle Financial Responsibility and Suspension Laws

Purpose of the law

In 2006, the law changed the way the Department of Motor Vehicles verifies insurance for privately owned vehicles.

Changes were made to ensure that vehicles driven on California roads have liability insurance that provides financial responsibility for any damage or injury caused by a traffic collision regardless of fault, and to remove uninsured vehicles from the highways.

Insurance companies in California are required by law ( ) to electronically report private-use vehicle insurance information to DMV. Insurance companies are exempt from electronically reporting insurance information for vehicles covered by commercial or business insurance policies.

Electronic reporting of insurance information and programming changes that took effect in 2006, allows the department to monitor insurance coverage and take appropriate actions through vehicle suspension as required by law.

Law enforcement and court personnel have electronic access to insurance status on DMV records.

Mandatory requirements

Financial responsibility is required on any vehicle operated or parked on California roadways.

You must carry evidence of financial responsibility in your vehicle at all times and must be provided as specified below:

· When requested by law enforcement.

· When renewing vehicle registration.

· When the vehicle is involved in a traffic collision.

California Vehicle Code [CVC] §16058

Motorcycle Insurance FactsThe financial responsibility sections of the Vehicle Code apply to all two-wheel vehicle owners and operators.

If you, as an operator, are involved in an accident which causes more than $750 in property damage to one person, including yourself, or in which anyone, including yourself, is injured, no matter how slightly, you (or your insurance agent, broker, or legal representative) must report the accident to DMV. The CHPor police will not make this report.

You must make this report within 10 days on the Report of Traffic Accident Occurring in California (SR1) form. You can get this form from any DMV or CHP office. This form is also available on DMV’s web site at . Refer to the California Driver Handbook for more information.

Check with your insurance company about your coverage before you buy or ride a motorcycle.

www. dmv.ca.gov

THIS IS IMPORTANT TO YOU

Things that you must know

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Oscar Jimenez: “ I just got knocked down by a rogue wave while Metal Detecting at the beach. :( I'm soaked and I think my Meta l Detec tor and headphones are a total loss. Not a good way to start the weekend. :( Well... at least I'm ok, cold but fine. I'm on my way home to dry all my clothes and take a nice warm shower”.

Dear Oscar: That was a lesson already learned. Never go to the beach without having insured your metal detector. Also, when riding your bike should make sure to have insurance, preferably wide coverage. Greetings and good luck next time.

Answer of the Editor:

Insurace tip

s

n

and

recommenda ionst

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Answer of the Editor:

@

[email protected]

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El seguro de su carro es deducible de impuestosTambién el de su casa, el de su negocio y su seguro de vida

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Your car insurance is tax deductiblealso for your home, and your business, and your life

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El mejor seguro es el que cubre lo necesarioThe best insurance is to cover necessary

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Interesting stories about insurance Historias interesantes sobre seguros

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What’s CoveredAAA’s analysis covers vehicles equipped with standard features and optional equipment including automatic transmission, air conditioning, power steering, antilock brakes and cruise control.

? Fuel costs were based on $2.603 per

gallon, the late-2009 U.S. price from AAA’s Fuel Gauge Report, www.FuelGaugeReport.com. Fuel mileage is based on Environmental Protection Agency fuel-economy ratings weighted 60 percent city and 40 percent highway driving.

? Costs include retail

parts and labor for normal, routine maintenance as specified by the vehicle manufacturer. They also include the price of a comprehensive extended warranty with one warranty claim deductible of $100 and other wear-and-tear items that can be expected to require service during five years of operating the vehicle. Sales tax is included on a national average basis.

? Costs are based on the price of one

set of replacement tires of the same quality, size and rating as those that came with the vehicle. Mounting, balancing and sales tax also are included.

? AAA based its insurance

costs on a full-coverage policy for a married 47-year-old male with a good driving record, living in a small city and commuting three to 10 miles daily to work. The policy includes $100,000/$300,000 coverage with a $500 deductible for collision and a $100 deductible for comprehensive coverage.

?

Costs include all governmental taxes and fees payable at time of purchase, as well as fees due each year to keep the vehicle licensed and registered. Costs are computed on a national average basis.

? Depreciation is based

on the difference between new-vehicle purchase price and estimated trade-in value at the end of five years.

? Costs are based on a five-year

loan at 6 percent interest with a 10 percent down payment. The loan amount includes taxes and the first year’s license fees, both computed on a national average basis.

Fuel

Maintenance

Tires

Insurance

License, Registration and

Taxes

Depreciation

Finance

AAA: The average cost of auto insurance grew 5.7% last year he average cost of auto insurance grew 5.7% last year, according to AAA's annual T"Your Driving Cost" study released on

April 6, 2010, and the average ownership costs per year to operate a medium-sized automobile increased 4.8% in the last 12 months, based on driving 15,000 miles a year, it costs 47.6 cents a mile, or $9,519 a year, the study said.

AAA has published Your Driving Costs since 1950. That year, driving a car 10,000 miles cost 9 cents a mile, and gasoline sold for 27 cents per gallon.

The increases can be attributed to rising prices for fuel, tires and insurance, the study said.

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The Hartford Named As One Of The “World’s Most Ethical Companies” Again In 2010

Third consecutive honor for The Hartford; Award Recognizes Exceptional Ethical Leadership

Celebrating nearly 200 years, The Hartford (NYSE: HIG) is an insurance-based financial services company that serves households, businesses and employees by helping to protect their assets and income from risks, and by managing wealth and retirement needs. A Fortune 500 company, The Hartford is recognized widely for its service expertise and as one of the world's most ethical companies. More information on the company and its financial performance is available at www.thehartford.com.

HARTFORD, Conn., Mar 22, 2010 (BUSINESS WIRE) -- The Hartford Financial Services Group, Inc., (NYSE: HIG), announced that it has been recognized by the Ethisphere Institute as one of the World's Most Ethical Companies for 2010. Out of a record number of nominations for the award, The Hartford secured a hard-earned spot on the list by going the extra mile, implementing upright business practices and initiatives that are instrumental to the company's success, benefit the community, and raise the bar for ethical standards within the industry.

"The Hartford is pleased to be named one of the "World's Most Ethical Companies" for the third consecutive year," said Alan Kreczko, executive vice president and general counsel of The Hartford. "As The Hartford enters its third century, we remain deeply committed to ethical leadership. This commitment is sustained by employees at every level who continue to "do the right thing" in all situations. We work hard to achieve the highest standards of ethical business conduct and to preserve the trust we have earned with our customers, investors, business partners and government officials."

Through in-depth research and a multi-step analysis, Ethisphere reviewed thousands of nominations from companies in over 100 countries and 36 industries in order to determine the winners.

"The Hartford's promotion of a sound ethical environment shines within its industry and shows a clear understanding that operating under the highest standards for business behavior goes beyond goodwill and "lip-service" and is intimately linked to performance and profitability," said Alex Brigham, Executive Director of the Ethisphere Institute. "This year's World's Most Ethical Companies award was more competitive than ever, because companies realize that making ethics a priority is critical amidst a tough economic environment."

Brigham added, "Compliance or ethics failures add up to more than fees, fines and penalties. The leadership distraction and turnover, forced alteration of a working

profit model and heightened scrutiny that result show: good ethics means better business."

Over the last few years, The Hartford has engaged in a companywide, systematic effort to build an even stronger, more cohesive ethics and compliance program for its 28,000-employee organization. The expanded program addresses the evolving ethics and compliance standards in the highly regulated financial services industry and focuses on policies and practices to detect and prevent ethics and compliance-related issues. The comprehensive, risk-based program enhances the company's ability to understand, assess and address the legal and regulatory risks facing each business area and the enterprise as a whole.

This is the fourth year Ethisphere, a think-tank dedica ted to the c rea t ion , advancement and sharing of best practices in business ethics, corporate social responsibility, anti-corruption and sustainability, has published the WME rankings, which appear in Ethisphere Magazine's Q1 issue.

A sampling of other winners include Aflac, American Express, Campbell Soup, the Ford Motor Company, General Electric, Google, L'Oréal, Nike, PepsiCo, Starbucks, T-Mobile USA, UPS, Whole Foods Market and Xerox.

The methodology for the WME ranking includes reviewing codes of ethics, litigation and regulatory infraction histories; evaluating the investment in innovation and sustainable business practices; looking at activities designed to improve corporate citizenship; and studying nominations from senior executives, industry peers, suppliers and customers.

Bundle Your Auto Insuranceand SaveSave up to 10% on your auto insurance and 15% on your home insurance when you get both with The Hartford!

At The Hartford, we know auto insurance. And with 200 years of insurance experience, we know how to provide excellent car insurance coverage at an affordable price.

Prefer to work with an auto insurance agent? We’ll help you locate an independent insurance agent in your area.

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Commissioner Poizner Urges All Californians to Evaluate Need for

Earthquake Insurance

After the magnitude 7.2 earthquake in Mexico's Baja California Peninsula destroyed homes and buildings yesterday, millions of Californians are wondering if they are adequately prepared for disaster. Insurance Commissioner Steve Poizner urged all consumers to equip themselves and their homes for earthquakes and to evaluate their individual needs for earthquake insurance.

"Sunday's earthquake reminded millions of Californians that our state is home to many devastating natural disasters," said Commissioner Poizner. "Because earthquakes can strike at any time without warning, it is vital for homeowners to prepare now for the possibility of a catastrophic loss. I urge every consumer to evaluate their individual need for earthquake insurance, and to regularly inventory their belongings to make sure their existing homeowners coverage is adequate."

A 2008 National Association of Insurance Commissioners survey revealed that the majority of American consumers do not have the coverage necessary to protect themselves from specific types of losses that are not reimbursed under standard policies. Based on a data call by the Department of Insurance, almost 90% of homeowners and renters do not have earthquake insurance.

Get important information about preparing for a disaster from the California Department of Insurance website at www.insurance.ca.gov. Or, call our toll-free consumer hotline at 1-800-927-HELP.

Commissioner Poizner provided the following disaster preparedness tips for California homeowners and renters:

· Take an inventory of your valuables and belongings. Take photographs or a video of each room. This documentation will provide your insurance company with proof of your belongings and help to process claims more quickly in the event of disaster.

· Keep sales receipts and/or canceled checks. Also note the model and serial numbers of the items in your home inventory.

· As you acquire more valuables - jewelry, family heirlooms, antiques, art -consider purchasing an additional "floater" or "rider" to your policy to cover these special items. These types of items typically are not covered by a basic homeowners or renter's insurance policy.

· Remember to include in your home inventory those items you rarely use (e.g., holiday decorations, sports equipment, tools, etc.).

· Store copies of all your insurance policies in a safe location away from your home that is easily accessible in case of disaster. You may want to store your policies and inventory in a waterproof, fireproof box or in a safe, remote location such as a bank safe deposit box. Consider leaving a copy of your inventory with relatives, friends or your insurance provider and store digital pictures in your e-mail or on a website for easy retrieval.

· Know what is and is not covered by your insurance policy. You might need additional protection depending on where you live. Make sure your policies are up to date. Contact your insurance provider annually to review and update your insurance policy.

· Keep a readily available list of 24-hour contact information for each of your insurance providers.

· Find out if your possessions are insured for the actual cash value or the replacement cost. Actual cash value is the amount it would take to repair or replace damage to your home or possessions after depreciation while replacement cost is the amount it would take to repair or replace your home or possessions without deducting for depreciation. Speak with your insurance provider to determine whether purchasing replacement coverage is worth the cost.

· Speak with your insurance provider to find out if your policy covers additional living expenses for a temporary residence if you are unable to live in your home due to damage from a disaster.

· Appraise your home periodically to make sure your insurance policy reflects home improvements or renovations. Contact your insurance provider to update your policy accordingly.

Nearly 90% of homeowners

and renters do not have

earthquake insurance

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WASHINGTON, D.C., March 23, 2010 - The Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) today thanked the U.S. Senate Committee on Banking, Housing, and Urban Affairs for including an extremely important amendment for insurance agents and brokers during the committee’s consideration of a manager’s amendment to the “Restoring America’s Financial Stability Act.” The amendment, filed by Senator Tester (D-Mont.), clarifies that the definition of “insurer” for mandatory data collection does not include insurance agents and agencies. The final bill passed the committee along party lines by a vote of 13 to 10.

“Without this amendment, the proposed Office of National Insurance (ONI) would have inadvertently had the ability to require countless agents and brokers to produce any data and information demanded by ONI,” says Robert Rusbuldt, Big “I” president & CEO. “This amendment is critical to all agents and brokers across the country, and the Big ‘I’ greatly appreciates the hard work of Senate Banking Committee Chairman Chris Dodd (D-Conn.) and Sen. Jon Tester (D-Mont.).”

The underlying bill contains 11 titles, one of which would create the ONI within the U.S. Treasury Department to address the following two major areas that have been the focus of criticisms of state insurance regulation:

1. The lack of a knowledge base or informational source in Washington, D.C. (something especially evident following the 9/11 attacks and Hurricane Katrina); and

?Big "I" applauds senate banking committee for passing crucial amendment to financial services bill ? Without new language, independent agency system would have unnecessarily been included in mandatory data collection.

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2. The challenges state insurance regulators occasionally face to effectively represent the United States in multilateral insurance discussions or to enter into binding international agreements.

“While the Big ‘I’ believes that the state regulatory system should be preserved and reformed, it has become evident that the state system needs assistance to effectively address some inefficiencies that exist today in the regulation of insurance,” says Charles Symington, Big “I” senior vice president of government affairs. “The Big ‘I’ has long supported the use of targeted federal legislation to help reform the state system without creating a federal regulator, and we believe this insurance informational office adheres to these principles.”

Also included in this legislation, and supported by the Big “I,” is the “Nonadmitted and Reinsurance Reform Act,” which aims to streamline the regulation of surplus lines insurance and reinsurance through state-based reforms.Almost 500 amendments were filed in anticipation of the markup, but none

were offered except for the manager's amendment. Many other amendments could come up during consideration on the Senate floor. The Big “I” is encouraged by the progress made in revising the bill to date and looks forward to working with members of the Banking Committee as this bill is further refined and improved such as the resolution mechanism’s inappropriate application to property casualty insurers and some issues with duplicity between the ONI and a newly created Office of Financial Research.

Founded in 1896, the Big “I” is the nation’s oldest and largest national association of independent insurance agents and brokers, representing a network of more than 300,000 agents, brokers and their employees nationally. Its members are businesses that offer customers a choice of policies from a variety of insurance companies. Independent agents and brokers offer all lines of insurance—property, casualty, life, health, employee benefit plans and retirement products.

What does my credit rating have to do with purchasing insurance?

Credit scores are based on an analysis of an individual’s credit history. Insurers often generate a numerical ranking based on a person’s credit history, known as an “insurance score,” when underwriting and setting the rates for insurance policies. Actuarial studies show that how a person manages his or her financial affairs, which is what an insurance score indicates, is a good predictor of insurance claims. Insurance scores are used to help insurers differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim.

Insurance Information Institute:improving public understanding of insurance

What does my credit rating have to do with purchasing insurance?

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