Evans Insurance Services Inc. Blog
One of the most exciting parts of being a teenager is getting a driver’s license and starting to drive. As a parent you might have a lot of worries, one of these being car insurance. While statistically car insurance rates are higher for teenage drivers, the rates are not as high people often make them out to be. Follow some of these tips so that you can minimize your teen’s car insurance cost as much as possible.
There are a lot of discounts that your teen may qualify for depending on the insurance company. If your teen has good grades, he or she could qualify for a Good Student discount. In order to qualify, most insurance companies require at least a B average (3.0 GPA) or that the student be on the honor roll or the Dean’s List. Only persons under the age of 25 qualify for this discount. Another great discount that your teen could receive is a discount for completing a Teen Driver’s Training Course. Most insurance companies offer great discounts for young drivers participating in a Driver’s Ed which should include both behind the wheel and in the classroom training. In the eyes of the insurance company, insuring someone who has been taught how to drive by a professional means your young driver is a more desirable client because they are a better risk. Also this should give you better peace of mind knowing that you have done all you can to prepare your young driver for driving.
Choosing Your Car:
Choosing the right car for the right risk is not only important to you but also to your insurance company. Insurance companies are going to give the best breaks to young drivers when they are rated as part time drivers. So if you have three drivers and two cars if you want to pay the lowest price possible price don’t be in a hurry to buy a third car. Automatically your young driver will be rated as a part time driver.
Now if you’re going to buy that third car for your young driver you want to stay away from expensive cars or brand new cars especially if you’re concerned about paying a high rate. Full time driver rates on young drivers can get expensive so to lessen the blow buy a third car that you don’t have to insure for collision and comprehensive which is the same thing as self insuring the vehicle. Now you will still have coverage for the damage your young driver causes but that would be it. If money is not an issue, then by all means get them a brand new car just make sure you call me and let me handle your insurance.
Keep in mind we would love to be a part of the discussion so please consult with us either by email or phone. Remember we are an Independent agent and we will help you obtain a competitive rate when the time comes for your young driver to get his/her license. We promise to make this process easy for you and your family.
Ok it’s been a couple of days since enrollment opened for the affordable Care Act Exchanges. Here is a few questions you want to ask before signing up with a plan. Please make sure you know what you are buying, it may take a little research but please educate yourself.
Now you may be coming up with some of your own questions so write them down. The key to research is asking lots of questions. Keep in mind most likely things will continue to change as this new law moves forward and I can assure you the plans will too. It will be very important going forward that you commit to reviewing your insurance annually to see how your plan has changed and to make sure there isn’t a better one that fits your needs. Good luck and happy insurance hunting!
Ok this is a big one, are you checking to make sure you are getting all your discounts on your auto insurance? Right now I'm going to encourage you to do this once a year preferably at renewal. With auto insurance there is a list of discounts that you could be getting and most people do not even know it. Frankly I like to tell people whenever you go through a change in your life inquire about how that change might affect your insurance. Most changes will affect your insurance rates in some manner either with an increase or decrease in premium (It’s all about risk).
Let’s begin with a change in work scenario. You just changed jobs and only drive 2 miles to work instead of 30 miles, you just earned a discount. Maybe you just retired and now you use your car for pleasure, putting less than 6k per year, you get a short mileage discount. Also you now may be eligible for a 55 or older discount or a retired discount. Another situation might be your job gave you a company car. Now the only car on your policy is a pleasure use only vehicle. Call your agent because he or she may be able to force a multicar discount on your policy, lowering your rates a couple hundred dollars.
How about teen driver scenarios? You just added a young driver to the policy, make sure the agent knows exactly how many months or years that driver has been licensed. If you put your young driver on the policy 2 years after licensed for whatever reason, they now have 2 yrs driving experience which probably gives them an extra discount. Also driver training behind the wheel and in the class room certification will give you a discount. Some companies offer a good grades or B’s or better discounts. Some companies offer youthful driver discounts where no one in the household has had at fault accidents in the house for five years as well as no surcharge able moving violations. Did you know you can add discounts for being over 100 miles away at school with no vehicle? Lastly when your young driver is older 23 or above and has a job, you may find that putting a young driver on their own policy is cheaper than being on your policy.
Here is a list of some other discounts you may want to inquire about.
1. Pay in full discount and Auto withdraw discount.
2. Accident prevention or 55 alive discount.
3. AAA member discount.
4. Home owner discount.
5. College degree discount.
6. Life Multi-policy discount.
7. Multi-policy discounts, umbrella ins, Home ins, inland marine etc. …
As an Independent Insurance Agent I deal with many insurance companies. I will tell you that all companies offer different discounts so they do not offer the same ones. But always know the discounts that are available to you through your current insurance company. Please if you’re not happy with the company you are with ask your Agent to shop you around with other companies, that’s what we always do for our clients. Let me know if I can help in anyway.
Your Agent and Friend
Evans Insurance Services Inc.
I’m writing this article because one of my customers asked me about how insurance companies look at trampolines. Now in the last year, I spoke to a nurse who works in the ER who said that many of the injuries that come into the emergency room have to do with trampoline accidents. I can just imagine that some of these injuries can be quite serious. My recommendation is always talk to your insurance agent before buying a trampoline. Some companies refuse to insure them, while most companies will require that you have a net put around your trampoline. My opinion is that you just have to practice common sense safety.
The first thing you do after you buy a trampoline is sit down with your kids and set some safety rules for the trampoline. Here are some suggestions for rules. Rule number one is to limit jumping to one person at a time. The second rule is to not allow balls or other items on the trampoline to eliminate interference with their jumping. Rule three is no rough housing or clowning around on the trampoline (this will surely be prevented when only allowing one person on the trampoline at a time). The fourth rule is no tricks allowed on the trampoline; for example, no somersaults. Rule five is to secure the net with a lock and to put a “Keep Off” sign on it so that when the family is not home, it is not used. Rule six is to not allow kids under the age of 6 on the trampoline because it is not recommended. The seventh rule, and for me the most important rule, is that no children should be allowed to use the trampoline without strict adult supervision to ensure all the rules are adhered to. After all, wouldn't you feel horrible if a child was injured or worse yet paralyzed on your property because of a poor decision they made while on your trampoline?
Remember kids will be kids, and they have short memories about what they need to do. You can be there to make sure they don’t forget. Besides, who really has the time and energy to deal with a major law suit? Similar to owning a pool, owning a trampoline means you have more responsibility and are assuming more liability. Also keep in mind you would be a great candidate for an umbrella policy or catastrophic liability policy. You can purchase a one million dollar umbrella policy for around $155 to 200. For a little more in price, you can purchase a two million, three million, four million or five million dollar umbrella policy, but be sure to protect yourself. Please call me at 610-889-9300 to discuss further.
Also, you can can search Goggle for more information about trampolines. You will be amazed at what you’ll find on the topic.
Your Agent and Friend
Evans Insurance Services Inc.
I’m writing this article because one of my customers wanted tips for young drivers and their parents. Having a young driver will bring extra gray hair to parents. Driving makes teenagers feel that they are gaining power and independence in their lives, but with this comes more responsibility. Young adults must realize that as they gain more freedom, they must also grow in maturity to handle this new responsibility.
Many parents are nervous about their teens getting behind the wheel, and for a good reason. If you ask me, it’s all about trusting and knowing your kids. Before you let your child drive, ask yourself if they are mature enough and if they have a good head on their shoulders. Being a good driver is all about attitude. One has to realize that driving is not a game and it must be taken seriously; it’s like having a 3,000 lb weapon in your hands. If you feel your child can handle this huge responsibility, then it’s time they get a license. If you feel your child is not ready at the legal age, go with your gut feeling. After all, I’ve seen too many young drivers die in car accidents and too many parents lose their insurance because of their young drivers’ numerous accidents.
Once you know your child is ready and they have earned the privilege to drive, you may want to follow some of these tips. Supervise them and practice with them as much as you can. Practice makes perfect and it will certainly boost your confidence and theirs in their driving ability. Make sure they always have their seatbelts on; that should be the very first thing they do when getting into the car. Be a good example. If you want your child to obey certain rules and regulations, you must practice what you preach and lead by example. No driving and texting or talking on their cell phone. No driving when they’re emotionally upset. Limit the amount of passengers your child has in the car with them; fatal car crashes increase with every extra passenger. Limit driving at night and set their curfew before midnight; nighttime driving is three times more dangerous than daytime driving. Teach young drivers to be defensive, not aggressive, drivers. Tell them to slow down; speed kills. Let them know to take their time when it rains or snows because bad weather makes the road more dangerous. Finally, make sure your kids vehicles are well maintained with good tires and brakes.
I would like to encourage you to have your young driver speak to me about safe driving. I can be a voice along with yours to help encourage safe driving. Please call me to set up an appointment to meet with your son or daughter at 610-889-9300.
I want to hear from you so please post your comments beow and let me know the struggles you have been facing with your young driver?
I look forward to hearing from you.
Your Agent and Friend
P.S I know insuring young drivers can be expensive so please come to our website and submit a quote request for auto insurance at my website "Quote Link".
Having life insurance is not enough; you must own it. It may just be the most important coverage for you and your family, I know you probably have home and auto insurance as this is a given for most people, but what about life insurance? If you are like most people you will tell me you have it as a benefit through work. Well you are truly lucky. Did you know that not all companies offer it as a benefit? A little word of advice, consider your benefit through work as your extra life insurance or icing on the cake is how I like to put it. But please don't let it be the only life policy you have. You need to own your life insurance policy, one set up separate outside of work through a trusted insurance advisor, like me.
In my tenure as an insurance agent I have heard many reasons why a person does not want to buy life insurance, but this, by far, is the number one reason I hear. So before you count your work's life insurance policy as your only policy to protect you and your family, ask yourself and your employer one important question. What if you lose your job for health reasons, because of a disability, because you get laid off or quit, would you be able to take that life insurance benefit with you? I would love to know the answer so feel free to call me to let me know how your company handles this. But in most cases the answer will be no, but if they do I've seen companies charge higher prices then what you can buy in the free market. If this is true then you are one step away from losing the life insurance that you count on to protect your family. So unless you can guarantee that the above situations are never going to happen, then you need to purchase a life policy while you are still young and healthy enough to qualify.
This year I had a client who confirmed my fear about the problems of only having life insurance through work. I received a call one day from a customer that told me he was getting a new job; with this one move he was going to improve many things but he also was going to lose his life insurance. Now a home and 3 kids later he needed life insurance and he needed it fast. Luckily, I was able to get it for him and that was only for the mere reason that he could still qualify for it.; but I'll tell you not all stories like this one have a happy ending. I believe you're the only one who can truly protect your family, and in these trying economic times, don't depend on your company to do it for you, but put your life policy in your own hands. After all life insurance is the lowest it has ever been. The time to buy life insurance is when you are healthy and young, and that time is now.
As an Independent Insurance Agent located in chester county Pa. I can do the shopping for you. I work with over 30 of the top carriers in the industry so request a quote through my website (Life quotes) and just see how inexpensive it truly is! This month of September is life insurance awareness month so please help me spread the word and lets inform others about the importance of owning life insurance. If you have friends and relatives outside of the state no worries because I've expanded my insurance license to include Maryland, Delaware and New Jersey and I'm always happy to help.
I look forward to hearing from you.
Your Agent and Friend
Do you text and drive? Have you ever texted while driving? If you answer no, you're in the minority. Studies show that many people have done it and still do it. The next time you're driving take a look at other cars, I bet you will see it occur right before your very eyes. The studies have also shown that this is not just a problem with teens it's a problem with adults as well.
One study said....Nearly half of commuters self reported Texting while driving in a recent poll by AT & T and 43 percent of those who did it called a "habit".
Ok hearing the word habit made me really start to think about this whole Texting issue and how we can tackle this problem. If you ask me, people are addicted to their phones. The real truth is, the cell phone has now become the biggest distraction in our lives. Unfortunately this distraction has proven to be in some instances deadly.
So who are the people at risk to be distracted and cause deadly accidents? It's the people who use their cell phones for anything and everything without any limits. Now I don't just want to pick on teens because I want you to know you are at risk too. But I will say if you have a teen who loves to text you better put limits on this habit and do it before they are old enough to get behind the wheel of a car. Teaching responsible and respectable use of a cell phone in all aspects of life from an early age is a must if we expect to have positive outcomes.
Now I'm not a cell phone hater. I'm like everyone else, I like my cell phone as much as the next person. But I do want people to wake up and realize that this distraction can be a life changer. The writing is on the wall, laws are in place, people have died. So ask yourself have you done the following while driving......such as searched the internet, emailed someone, looked at an email, talked to someone with a blue tooth or texted someone? If you answered yes and no serious accidents have occurred then be thankful that you made it this far. But let's stop here, right now! Let's make a commitment that we are going to change, that we are going to be an example to our friends, family and especially our children. Make the decision to start using your cell phone more responsibly in all aspects of your life. I guarantee, that you will earn a lot of new respect when you practice proper phone etiquette and you just may save a life.(check out http://www.wikihow.com/practice-cell-phone-etiquette )
So if you're with me let me know the new limits you plan to put on yourself as it relates to cell phone use. Also if you're already a believer in this way of thinking, please share with me your do's and don'ts of cell phone use. Let's make a connection here and make a difference. While you're at it if you don't have one, please go and get yourself a nice blue tooth. I wish you and your family all the best and let's all stay undistracted while driving.
Your Agent and Friend
P.S If you have a teen driver or know anyone who texts and drives please ask them to stop. Also watch this documentary and pass it around. Here is the link...http://www.itcanwait.com/ .
If your interested, please feel free to call Evans Insurance Services for an auto insurance quote at 610-889-9300 or fax us your policy at 1-888-418-5988 and include your contact information. As an Independent Agency we can do the shopping for you!
Hi my name is Steven Evans and I'am President of Evans Insurance Services Inc. Our office is located in Malvern, right here in Chester County Pennsylvania. We are located in a populated area and have noticed that most accidents my customers report are rear end collisions. The Insurance Institute of Highway safety reports that rear end accidents are the second most common collision (the most common being accidents caused while backing up). Additionally, secondary chain reaction collisions often occur, leading to further damage and injury.
In almost all cases rear end collisions are caused by following the car in front of you too closely. If you want to be a better driver, give yourself more space between you and the person in front of you. The Pennsylvania DMV recommends at least a 4 second following distance in normal driving conditions. A good rule of thumb is one car length per 10 mph. Keeping a safe following distance will give you vital seconds to avoid a collision. In certain conditions it is necessary to increase your following distance.
Some conditions include:
• Roads that are slippery or unpaved. Also, be careful when roads are covered with leaves as
this can be as slippery as ice.
• You are following a large vehicle whose rear view is blocked, such as a large truck or
motor-home. These drivers may slow or stop without knowing you are behind them.
• Towing or hauling large loads require more stopping distance.
• You are following vehicles that make unexpected stops, such as school buses.
Remember that no matter the case, if you rear end someone, it is automatically your fault. It doesn't matter if the person stops suddenly or is drunk, a rear end collision is an at fault accident and will most likely affect your auto insurance rates (Unless of course you have accident forgiveness). I feel that if drivers follow these simple rules, they will become better drivers.
Be safe and please don't text and drive!