Life Changes That May Change Your Insurance Needs

Life Insurance Rates in San Diego, CA

Life is full of changes, but you may not have ever considered how some of these changes might affect your insurance coverage. Here are a few instances when your insurance needs might also change, brought to you by the insurance experts at American Tri-Star in San Diego.


Once you get married, your health insurance provider will likely give you the option of a joint plan. If you receive San Diego health insurance coverage through your employer, they will have their own rules for insurance coverage. However, it’s not uncommon for employers to extend employee health insurance to spouses.


Every state has its own insurance guidelines, which means the coverage that’s adequate in one state may not be in another. This is especially true with car insurance. For example, in Florida the minimum amount of car insurance to have is $10,000 personal injury protection and $10,000 property damage liability. If your relocation means you’ll need auto insurance in San Diego, you should know California requires at least $15,000 per person bodily liability coverage and $5,000 for property liability.

Employment and Income

Transitioning into a new job or getting a big raise can affect your health insurance needs in various ways. This includes, but is not limited to:

  • Experiencing an increase in income large enough to withhold your premiums
  • Going from part-time to full-time employment
  • A change in employment entitling you to a government contribution plan
  • Switching from active duty in the military to civilian employment

Death of a Family Member

If your share an auto or home insurance policy with a spouse or dependent who has passed away, you’ll want to speak with your insurance provider after you’ve had the chance to grieve. The person’s name will need to be removed from the policy, but in most cases you will be allowed to maintain the policy as long as you continue to make payments.

If your life is about to go through a significant change, get in touch with American Tri-Star to figure out the next steps to take with your insurance. For a free quote on the homeowners, health, and cheap auto insurance San Diego residents prefer, give us a call at 619-272-2100. We hope to hear from you soon.