Parkside Insurance Agency

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"California, Hawaii, Arizona, Nevada, New Jersey, Florida, and Colorado Insurance Specialists!"

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10 Reasons Why You Should Use The Services of RIS Direct!
1. We offer a complete "Satisfaction Guarantee" to every customer!
2. The best coverage at the lowest price.

5. Internet quotes returned within 24 business hours.
6. We have the complete personal insurance solution offering auto, home, and umbrella protection on every account.
7. Rates are shopped exclusively for you based on your unique insurance need.
8. Huge discounts on ALL insurance products!
9. Our experience allows us to match you with the program(s) best meets your needs.
10. We have been saving our customers money on insurance since 1994.

Instant Online Quote (click coverage at left), or Call us toll free for a FAST Phone Quote:

We specialize in auto insurance at RIS Direct. Whether you are a good driver, or a driver who has had some unlucky points or accidents, we have the markets and rates for you. Rates start at only $186.00 per six months, and if you put both your auto and homeowners insurance with us, you can receive up discounts up to 30%. Get a Quote Now!

our New Home discounts are among the highest in California - sometimes up to 40% lower than most carriers. Also, if you have just purchased a home and need a policy FAST to close escrow, we can issue policies and evidence of insurance the SAME DAY. Rates start at only $350.00 per year. Get a Quote Now!
Personal Umbrella Insurance Plans
Make sure that your assets are protected and your loved ones are cared for and protected from all potential financial hardship. Personal Umbrella programs offer additional liability coverage for $1 Million or more above your home and auto insurance. Most clients are able to purchase an umbrella policy for close to $200.00 per year! Get your FAST and FREE Umbrella Insurance Quote Now!

RIS Direct was founded on the belief that customers deserve not only professional and courteous service, but also the lowest California insurance rates possible. And every one of our products comes with a 100% satisfaction guarantee.
To learn more about our agency and staff, feel free to click our About Us Page, and click the link following for Office Directions or a Map.

I'm Orlando Frasca, CEO of RIS Direct, Inc. I invite you to use our insurance resources. Request a free quote. Call us with questions. I have made it our goal to find you the BEST PRICES on California Insurance, and to make the process of buying your Insurance EASY.
We also provide you with many infomative FREE REPORTS so you can make informed insurance decisions. This is another way we can help you realize the value of doing business with RIS Direct.
With over a decade of experience placing insurance for California residents and business, I know you'll find our service and pricing second to none. Find out more about us and give us a call. We'll make you another satisfied member of our insurance family.

Today, lawsuits are everywhere. Lawyers are awarding larger amounts of money than ever. Homeowners, auto, and watercraft policies have a limit on liability insurance. If an unfortunate accident should happen that is your fault, do you have enough liability insurance from your current policies to cover your costs for negligence? Since no one can predict how much a judge may award the injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.
Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection. This protection is designed to "kick-in" when the liability on other current policies has been exhausted.
Liability insurance is the portion of a homeowners or auto policy that pays for expenses such as the injured persons medical bills, rehabilitative therapy, and lost wages due to the negligence of the at fault person. The liability portion of an insurance policy also covers a legal defense representative if the negligence would happen to land the at fault person in the court room. After adding up all of the medical expenses for the injured and the legal fees of the negligent person, the standard liability in one's homeowners or auto policy is often not enough. Almost every state has financial responsibility laws that will hold drivers accountable for bodily injury and property damage resulting from car accidents and the at fault driver could be sued for the damage. Personal assets from the at fault driver could be seized resulting from a lawsuit. Similar laws are also in force for home and watercraft owners.
There is good news. A personal liability umbrella insurance policy can give one added liability protection without a large added cost. Additional liability insurance is often inexpensive, especially compared to the added coverage one gains. Furthermore, liability insurance covers one's non-business activities anywhere in the world. Having the added protection of a liability umbrella policy is coverage no one should go without.
Umbrella insurance can give you additional liability protection above and beyond your current insurance. Below is a list of questions typically asked and information you will need to gather in order to complete an umbrella insurance quote with your chosen insurance agent. If you have not yet read Why Every Policyholder Needs Umbrella Insurance you will want to do that first to determine your need for umbrella insurance.
Information You Will Need When Purchasing an Umbrella Policy:

First Name, Birth Date, Sex, Marital Status, Years Licensed, State Licensed, and Occupation of all drivers in your household.
Violation and Accident information for the last 5 years of all drivers in your household.
All the property you own including: Home, Auto, Watercraft, Recreational Vehicles (RV's), Rental Units, Land, and Motorcycles.
Information about your current insurance company including: Expiration Dates and Losses and Claims in the past 5 years.
The liability limit you are requesting which is typically 1-5 million.

Questions Typically Asked by the Insurance Agent When Purchasing an Umbrella Policy:

Besides your auto, do you own any other motorized vehicles like motorcycles or mopeds?
Do any drivers in your household have mental or physical impairments?
Are you in the farming business?
Do you have any employees at your residence?
Are you caring for any property that is not your own and it exceeds $1,000?
Are there any business activities conducted at your home or in any property that you own?
Do you have any non-owned business or professional endorsements on your current insurance policies?
Do any of your current insurance policies have reduced liability limits or exclude coverage for specific events?
Within the last 5 years, have you been denied insurance coverage or been canceled or not renewed?
Are there any drivers on your current insurance policies under the age of 25?
Do you own, lease, or charter an aircraft?
Do you use your property, vehicles, watercraft, or aircraft for business?
Do you have any vehicles, watercraft, aircraft, or property that is owned, hired, leased or used on a regular basis that is not covered by insurance?

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