Evans Insurance Services Inc. Blog
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".
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.
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!
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.