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.

Nobody wants to walk out to the parking lot or a street where their car is parked and discover that the vehicle has been stolen. It is an uncomfortable moment, especially when your original policy is kept in your car or when you have lost the policy documentation.

Call the Police

The first step after any theft is calling the police and reporting the theft. Whether you have your car insurance policy or you have lost the policy, the police will make a formal report.

During the process of making a report, you will need to provide some basic information. The police may ask for the make, model and VIN of the car. License plates may also be useful so that the authorities can take steps to try finding your vehicle if it has not yet left the area.

Call Your Insurer

Even if you do not have the original policy, your insurer will usually maintain a copy of your policy for their records. Call your insurer after you have talked to the police and report the situation.

You may be asked to provide a copy of the police report to the insurer to prove that the theft took place. Depending on your car insurance policy, the solutions and funds that you may be provided can vary. Some insurers may pay to replace the vehicle while others may offer a lower payment based on the depreciation rates. If you do not have the original policy, then ask for a copy of the policy at the time you report the situation.

It is frustrating and scary to discover that your car is missing, but that does not mean you cannot make a claim on your insurance policy. Contact us to talk to an agent to learn more about your coverage options.

After an accident in Pomona, California, you may be tempted to take your vehicle to your preferred auto shop to handle the repairs. Depending on the auto insurance policy that you purchased, you may or may not be reimbursed for the full cost of the repairs.

Insurance Policy Details

Some insurance companies may require that you take the vehicle to an auto shop that they selected. If that is the case, then you may not be able to take the car to your preferred auto shop for repairs because the insurer will not pay for the damages.

The reason that insurers may ask that you take the vehicle to a specific shop is the information and charges that are added to the repairs. Your shop may charge a different rate, so the insurer may not be willing to pay for the repairs. Even though some insurers may have specific shops for vehicle owners, other companies may reimburse you for the repairs at any shop. Read your policy to determine if a clause will limit your options.

Claiming a Reimbursement

If your insurer allows you to take the vehicle to any shop, then you may claim a reimbursement on your auto insurance policy. The insurer may ask that you provide an estimate before any work is started if you want to get a reimbursement. When the insurer has approved the work, make a claim with proof of the expense after the work is completed.

Repairs on your car may or may not require the assistance of a specific shop. Depending on your insurer, you may or may not be able to claim a reimbursement. Contact us to talk to an agent for more information.

Putting a teenaged child under your auto insurance policy is an important part of protecting your vehicle, your child and any passengers in the car. Even though you may have added your teen to your policy, in most cases it will not apply when your child is driving someone else’s car.

Responsibility of the Owner

When another person allows your teenager to drive his or her car, it is that individual’s responsibility to cover the liability and potential damages that may arise if an accident occurs. Even if you have coverage for your teen on your auto insurance policy, the plan is designed specifically for the vehicle or vehicles that are listed in the current plan.

Your coverage does not protect a car that is not under your policy. As a result, your teen is not specifically covered for any vehicle that he or she borrows.

Automatic Coverage

Even though your policy may not provide coverage, the owner of the vehicle is still required to have appropriate protection according to state laws. Any individual who is given permission by the owner to drive the car will be covered as long as he or she does not live in the same household as the owner of the vehicle.

Since every insurer is different, the details of your coverage plan as well as the other individual’s policy may vary. If you are not sure about the current coverage in a particular situation, then you should contact your insurer to find out the full details.

It can be hard to determine the appropriate protection for a teenager who is driving several vehicles. Contact us to talk to an agent for more information about protecting your teen driver.

Taking measures to protect your vehicle as well as the other cars that are on the road can seem challenging, especially if you own an older car in Pomona, California and you are not sure that it is worth full coverage. Depending on your particular situation, it may or may not be appropriate to consider collision insurance for your old vehicle.

Value of the Car

A key factor to consider when it comes to deciding on the appropriate coverage for your vehicle is the current value of the car. If your old car is not worth much, then it may not make sense to purchase additional collision insurance. On the other hand, if your car is a classic vehicle or it is still worth a reasonable amount, then the coverage may be a useful way to avoid high-cost bills in the future.

Necessity of the Vehicle

Even though an old car may not be worth a large sum if you sell it, you will want to consider how much you personally need the vehicle before selecting an insurance policy.

A car that is your sole mode of transportation may be a necessary part of getting to your work, obtaining groceries or otherwise managing your normal activities. An accident may prevent you from managing all of your responsibilities, so the coverage may be appropriate if you are concerned about the loss of your time. When you need the car on a regular basis, the additional coverage may be a useful way to maintain your peace of mind.

Purchasing the right insurance for your car can seem confusing because so many options are available. Contact us to talk to an agent for more information about the best policies based on your goals and concerns.