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Protect Your College Grad With the Right Insurance

College graduation is an exciting time in California and elsewhere for students and their parents alike. And, while it’s easy to be immersed in graduation parties and focused on first-job jitters, it’s a time of major transitions and big decisions, and it’s essential to prepare graduates for what comes next.

One area new college graduates need to address is insurance. As insurance professionals at M3 Monagan Miller McCreary Insurance, we know insurance can be a confusing topic. We also know that seemingly small missed details can result in very large losses. We want to ensure your college graduate is protected before heading out into the real world in California or beyond, so we have compiled the following pointers.

  • Review your family’s current insurance. The first step when considering insurance for your new graduate is evaluating the coverage you currently have. Make an appointment with us. We can advise on whether it’s appropriate given the pending changes, and whether it will cover your son or daughter.
  • Know the law. Most states require drivers to have auto insurance, and most of those have minimum policy limit requirements. Research the law in your son or daughter’s state, or consult with us to make sure they are covered adequately.
  • Read your lease. Many apartment, condominium and home rental properties require tenants to maintain a certain level of renter’s insurance, which covers the contents of the home in the event of a robbery, fire, or other loss. Make sure you know the terms of your son or daughter’s new lease, and insure them accordingly.
  • Don’t end up liable. Any home renter or owner is exposed to liability risk. To ensure there is adequate coverage in the event someone gets injured on your son or daughter’s property, speak with us about liability insurance.
  • Don’t gamble! Never go without. It’s simple: your son or daughter should always have insurance in place. Be sure to discuss with us what types they need.
  • Know your company benefits. Many college graduates move straight into the workforce, and most companies have benefits. Make sure your new graduate studies the company’s human resources handbook to learn what benefits are available, when they go into effect, and what their limitations are.

We at M3 Monagan Miller McCreary Insurance congratulate you on your child’s graduation! Please contact us with any questions, or to request a review of your family’s insurance portfolio.

Contact Us!

For further questions and assistance, please contact M3 Monagan Miller McCreary Insurance at 800-830-6656or clientservices@m3insurance.com.

M3 Monagan Miller McCreary Insurance: Come for the Savings...Stay for the Service.

Content provided by: Safeco Insurance

Our Locations

Tracy Location

1137 B Adam St.
Tracy, CA 95376
Main office: 209-835-6656
Toll free: 800-830-6656
Fax: 209-835-0955

Danville Location

4115 Blackhawk Plaza Circle
Suite 100
Danville, CA 94506
Main office: 925-350-8925
Fax: 866-790-0955

Our Providers

Testimonials

Thank you for the excellent service you have provided over the years, having both homes, three cars, umbrella and other insurance with you as well. It's all been fantastically handled. We made the move over because we saved a lot of money, but beyond saving money the service has been excellent and you and your entire team deserved to be thanked and credited for that. Thanks again, and it's been a wonderful experience and I'm looking forward to a long and prospect relationship.

Craig Walker
Sean and his team provided great service. I called Sean as a friend and asked him to look at my current policies to see if he could save me some money or possibly better protection and he came back with 1 ½ hr later which is amazing in today's day and time. He gave me much better protection and saved me at least 45-50% off my current home and auto policies. He organized and put it all together plus an umbrella policy. I just want to thank Sean and his team once again for helping out just great service. In today's day and age service means a lot especially when we can save some money. Thank you again.

David Liebowitz
Sean I just wanted to take a moment and tell you how happy Kim and I are with you and your team. Having been with State Farm for over 20 years, I just assumed they were taking care of us. Well needless to say – they were just taking our money. Your package saved us hundreds of dollars per year, and I could not be happier with the service. Thanks So Much.

Paul Bradley
My claim experience with your office and Travelers was great. Matt, the adjuster, was delightful. He made me feel relaxed and comfortable. I enjoyed working with him as he was extremely cooperative.

Paulette Ranuio
Your service is absolutely marvelous and just wonderful. When we had a billing problem, your team was on top of it. I was never nervous about it because I knew that it was being taken care of. I really want to thank you and your staff for being there. Your customer service is perfect.

Helena Lowe
I remember when my insurance premium was sky high. At M3, I saved $348 on my auto insurance and I upgraded my home insurance without paying more. It's incredible, I love it!

Joe Rowen
The service is first rate!

Bridget Riddle
I can't say enough good things about M3 Insurance. I couldn't ask for more when I compare my former agent with M3's there is no comparison. As far as claims goes, everything went right. I am a busy business owner and I know I can trust M3 to get the job done on time with a competitive price.

Bob Mills
Sean has always been there for us as our homes, investment properties, and business changes. He and his team do such a great job at keeping up with our busy lives and making sure we have the right protection at the right price.

Stephanie Prioste
There aren't many people in the insurance business that have the knowledge and understanding that Sean possesses. He has the ability to take an insurance policy, make it simple to understand, and take of details that others have left out. When it comes to insurance, Sean is the best.

Rob Riccio
Sean has been a valuable resource for over 10 years. When I remodeled my house, he helped to ensure that our improvements would be protected during and after construction Sean always makes a point to review my needs periodically which none of my other agents ever bothered to do.

Joe Grillo
If you, anyone you know, or any new clients are interested in speaking with a really awesome insurance agent, you should send them to mine. She rocks. I've been with her for 10 years now. Her name is Kelly Johnson at M3 Insurance.

Amir Littman, San Jose
"Jim and I were so impressed by your prompt customer service, complete and thorough assessment of our needs, and efficient processing of great policies. Both Kelly and Elizabeth were delightful to work with and we thank them in advance for being our 'go-to' people for future service. It is our pleasure to work with you and your outstanding team!"

Bette and Jim Felton