From the category archives: Blog

Why Are Insurance Rates So High For Teens?

Written by on 9/29/2011 6:10 PM . It has 0 Comments.

As insurance agents, this is probably one of the most common questions that we get from parents who are adding their teen to their car insurance. We understand this frustration and after you read the reasons below, you will most likely respond with “But, my teen is a good driver…” That may be true and you’ve probably spent countless hours helping your teen become a safe driver. If you have, then you should be glad that the chances of your teen getting into an accident will be less than most other teens on the road. 

However, it takes thousands of hours behind the wheel to get the experience necessary to avoid accidents and become safe drivers. Here’s a statistic to prove this point:

 The crash rate for 16 year olds is nearly 3 times higher than 19 year olds and nearly 6 times higher than drivers 20 to 24 years old.

Unfortunately, you are going to have to pay high rates for your teen to drive. But, you can take steps to avoid paying the highest rates and keep them down. ...

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What Determines the Price of Your Auto Insurance?

Written by on 3/22/2011 7:15 PM . It has 0 Comments.

If you own a car, auto insurance is not just an option, it’s a legal necessity.  If you are in an accident or have your car stolen, having the right kind of auto insurance can help to ease a very difficult situation.  As your local insurance advisors, our job is to ensure that you are properly protected -- and we take that responsibility very seriously.  However, you might be curious as to how the insurance companies come up with the price of your auto policy. Here are the primary factors that influence the price you pay for auto insurance... Your driving record: The better your record, the lower your premium. If you've had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven't been insured for a number of years. The number of miles you drive each year: The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will ...

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