January 2, 2013
AgencyNew California Laws That Take Effect In 2013
New laws in California have already started to take effect in the beginning of 2013. Here are some that we thought you should know: TRANSPORTATION Red-light cameras: SB 1303 tightens restrictions on the use of red-light traffic cameras b...
December 28, 2012
AgencyWhat’s the Difference Between Insurance Policy Cancellation and Non-Renewal?
Insurance is not a gift or a right, it is a product that you buy and that protects you against all the insurable incidents that can put your financial present and future at risk. As such, insurance is also a contract that can be cancelled or that eit...
December 19, 2012
AgencyWhat Is An Umbrella Policy, And Why Carry It?
How often do you hear on the news about an injured car accident victim who received a million dollars in damages because the driver of another car accidentally crossed the double yellow or ran a red light? We all feel bad for the victim, but have you...December 14, 2012
AgencyInsurance Considerations for Families of New Graduates
It’s a rite of passage for college graduates to throw their caps in the air and celebrate the accomplishment of earning a bachelor’s degree. As these grads make the transition from student to office worker, move on to pursue an advance...December 11, 2012
AgencySacramento Nutcracker Ballet 2013
This past weekend, our agent Anne Siebum's daughter Isabelle performed as a Cherub at the Nutcracker Ballet in Sacramento. "Best-known and most beloved of all Sacramento Ballet productions, Ron Cunningham’s The Nutcracker has been seen b...
December 6, 2012
AgencyHoliday Office Hours & News Around the Web
Due to the holidays, our office hours will be temporarily changed. Here is our December hours: Closed: December 6, 24, 25, 31, 2012 and January 1, 2013 9:00 am to 3:00 pm: December 4,...
November 30, 2012
AgencyToys for Tots + Fire Safety Tips for the Holidays
Our toy box is getting filled up! Remember that you can stop by our office to donate toys for the Toys for Tots program. Toys for Tots collects unwrapped, new toys and gives them to needy children in the community on Christmas. Our office is l...November 28, 2012
AgencyTips to save on holiday gifts
Christmas is only a month away, which might mean you need to go shopping for gifts if you haven't done so already. But the costs of buying all of those presents can really add up. According to the National Retail Federation, holiday shopping sal...November 19, 2012
AgencyTravelling for Thanksgiving? Safety Tips for the Road.
The Cliff Cottam Insurance Team want to wish you and your family a happy and safe Thanksgiving! Thanksgiving means different things to different people, but typically calls for family and friends to come together to feast upon delicious food. It ...November 14, 2012
AgencyMake a toy donation to our office to the Toys for Tots program
I love the upcoming holiday season because it brings out the best in people. In the spirit of giving, Cliff Cottam Insurance Services is proud to become a drop-off site for the Toys for Tots program. A program by the U.S. Marine Corps Reserve, t...