Driving uninsured is treading on dangerous ground. But for many, cost is the primary concern. So what determines the price of auto insurance and how can you save? Read on to get the inside scoop.
Some say that experience is the best teacher. Others might argue that it depends on the nature of the lesson. Yet, when it comes to new drivers, there’s little controversy: learning from others’ experience is critical for both parents and teens. Happily, we can help with some of that—at least the insurance part. So how about a little back-to-class peace of mind?
It may not seem true, but your baby is now an adult. As your child flies away to college and all it brings, be sure a wide, strong safety net is at the ready. And as you traverse new pathways, trust that you can lean on our experience. Here are a couple of questions that will likely surface: Since my child is now an “adult” and will be away from home most of the year, should I still list him or her on my auto policy? My child will be attending college out of state. How can I be sure our policy will cover any accidents that occur while my child is away at school?
From social to secular, your favorite college student is headed for a learning curve. While they’re busy hitting books and hanging out, take some time and do a little learning of your own. Here’s an auto insurance question we know you’re asking: I know that the risk posed by a young driver is high and our premiums still reflect that. Are there any discounts I can look into?
Part of the college experience is for a student to experience living ‘on their own.’ But all that extra elbow room could leave serious coverage gaps. Mom and Dad, make sure you’re asking these questions: Since my child will be living on campus, how can I protect all the things taken to school or bought there? Does insurance coverage differ when a student lives in off-campus, rented housing?
In any discussion about insuring teens and college students, the topic isn’t complete without delving into distraction. That’s because distracted driving takes a heavy toll on both age groups—society’s youngest drivers. Available resources can help you to stop distracted driving before it starts, and your family insurance agent is totally behind that. In fact, your agent is a key player in the fight against distracted driving. Get in touch and learn how you can have plenty of rewards without taking risks.
Experience is the best teacher, whether it’s yours or ours. So if you’re new to the world of teen driving, lean on this accumulated knowledge. Here’s a question you’ve likely pondered: Now that my teenager is driving, do I have to list them on my auto insurance policy, or should I take out a separate policy just for them?
New drivers (and their parents) do well to draw on others’ experience. Embarking on this new journey can be scary—we completely understand. So check in for a reliable answer to a commonly asked question: What level of coverage should we carry, now that our son/daughter is listed on our policy?
Do you have a new driver at home? That can be stressful—we totally get it. Feel free to pull from our accumulated knowledge, and see what you can learn. For instance, have you ever asked: It’s expensive to have my son/daughter on my policy; are there any discounts I can take advantage of to lighten the load?
Usage-Based Insurance takes personalization to new heights. If you’re a grade A driver, congrats! But if you’re still working at it, telematics are your ticket to self-growth and (hopefully) a little extra spending cash.
We have to admit: even though we inherently sense the risk, distracted driving can all too easily become common practice. Since we’re always looking to make our community a better, safer place, April—being Distracted Driving Awareness Month—is the perfect time to raise awareness and implement new habits.
“If you’re texting, you’re not driving.” Distraction.gov minces no words in their latest advertising campaign. April being Distracted Driving Awareness Month, social media and news outlets are rife with tragic stories of lives lost or forever changed. In “2014 alone, 3,129 were killed in distracted driving crashes”— the mind boggles at how preventable those deaths were.
No one enjoys worry. But someone of your insurance-savvy ilk knows that informed concern leads to sound decisions, especially when safety and security are in view. So let's broaden that vista—and our understanding—with a plunge into the wide world of the aptly named "umbrella" insurance. We’ll learn the ins and outs, and come to see both how umbrella coverage reaches further, protects more, and why that’s so very necessary for each one of us.
