Month: July 2014

Owning a car in California means that you must obtain the right type of policy to address your concerns. When you are on the road regularly, the risks that you face can mean that you will want to meet or exceed the state minimum standards. Legally, you are required to purchase a liability policy as long as you own a car, but you can purchase additional coverage if you want to protect your assets as well.

Learning Your Options

When you are not sure about the policy that is best for your goals and plans, insurance agents can help. An agent provides information and quotes so that you can compare your options quickly and find the best rate for your specific concerns.

Learning about your options does not mean you must waste your time. An agent can compare the plans on your behalf and present the best options based on the coverage that you have requested. You can then compare the best plans so that you are able to get a reasonable rate.

Gain Assistance

Along with the help that you are provided when you apply for a new policy, insurance agents can help when you are facing an unexpected situation. An agent can explain the process to file a claim and help you through the process so that you can get the financial assistance you need to repair your vehicle and get back on the road. The process of filing a claim can vary between companies, so an agent can provide the assistance that you need to make the process a little easier to handle.

Hiring an agent can provide the tools and information that you need to protect your car, your finances and other drivers. To learn more, contact us to speak to an agent today.

When a teenager obtains his or her driver’s license or even just a permit in La Verne, CA, you will need to add him or her to an auto policy. Car insurance must consider all of the potential drivers and a teenager has a higher risk of getting into an accident because of his or her lack of experience behind the wheel. Recognizing your options and ways to cut back on the price can help you avoid expensive protection plans.

Inform the Insurer

If you want to add your teen driver to your policy, then inform the insurance provider as soon as your teenager has a permit. Although some companies will not add the driver to your account until after he or she is licensed, you must have coverage to ensure that an accident will not result in a large financial loss.

Consider a Separate Plan

Whenever your insurer does not offer an excellent rate, you may consider alternative policies. You can buy a separate policy for your teen driver if you do not want to add him or her to a current plan.

Apply Discounts

There are discounts that are designed to assist young drivers who may have limited experience or a limited driving history. A good student discount and discounts for taking a defensive driving course can help you reduce the rate and get a fair policy for your young driver. A teenager has limited options, so you may want to contact your insurer to ask about reduced rates, promotions and discounts that can apply.

Teenagers will usually have a higher-than-average rate for auto insurance due to the possible risks associated with young drivers and the statistical details that relate to accidents. To learn more about saving on coverage, contact us to talk to an agent today.