CAR INSURANCE FOR TEENS (AND STUDENTS)
AUTO INSURANCE FOR TEENAGERS AND STUDENTS — Car insurance is a form of automobile insurance designed to offer protection to motorists against damages caused by traffic accidents and vehicular thefts. In the United States alone, there are more than 10 million motor accidents reported every year.
Sadly, more than 60% of these accidents recorded involve cars. Thankfully, your car insurance pays for vehicle damages and also pays for the health issues that may result from the traffic accidents. Insurance premiums were set up to offer you some financial safety.
For a certain premium paid to your insurer each year, you end up saving literary thousands of dollars should you be involved in a car accident. If you are the one in the wrong, your insurer will also pay the bills of the other driver and car.
Furthermore, in many States to drive legally, car insurance is mandatory.
As a parent, it is your duty to worry about your child teen driver’s safety especially if they are the ones behind the wheel. Even a significantly small accident can cause physical, psychological and financial trauma.
The law requires that teenagers with a learner’s permit should at all times drive the car only when an adult is present in the passenger seat next to them. Under most circumstances, your teenager is covered by your insurance.
However, if your teenage child is going on a spin with an adult who is not a family member, it is safe to check their insurance before you let them leave. There are car insurance companies that need you to add the name of your child with a learner’s permit to your insurance policy.
In you have a teenager at home one who has a complete driving license of their own, it is best to add them to your policy as other drivers or get them a policy of their own. Teenagers are like adults are not permitted by law to drive without valid insurance coverage.
Before selection among the two options, you should take time and consider several factors. Factor number one, if you choose to include your teenager in your insurance policy, you will be set to benefit from multi–car and multi–driver discounts.
This discounts means that your teenager child can fully enjoy all the benefits and perks associated with your policy. You may as well see higher premiums and may also end up risking your own benefits and perks if your teenage child is involved in a car accident.
CAR INSURANCE FOR STUDENTS
Getting your child/student a separate car insurance policy comes with its equal share of advantages and disadvantages. To begin with, your driving records and perks will be separate and independent of each other.
Your teenage driver will not be able to enjoy your benefits and perks and you will end up paying higher premiums each month. Like most parents, this should be your second option.
Maximize car insurance for students by following these informative tips:
• Select a car that comes with good safety record. Many insurers offer great discounts for people who drive these kinds of cars.
• Search for additional discounts. Many insurance companies offer discounts to students who have excellent GPAs. Why not take the advantage of reducing premiums by enrolling in a student safe driving class.
• Maximize your deductibles. This translates to higher payments should you and your car be involved in an accident. However, on the plus side, you will get to save quite a significant amount on your monthly premiums.
• If you are a student with a history of driving safely, you are set to save quite a–lot if you decide to increase deductibles.
FARM AND AGRICULTURE INSURANCE
Farms can be expensive businesses to run, and you can be just one poor harvest, or serious animal disease, or burglary away from disaster. That is why farmers need to be insured, and to make sure that it is the most apt insurance cover for their farm. Depending on what cover is required, farm insurance does not have to be too expensive.
Different Types Of Farm Insurance
Firstly there is peril insurance designed to protect farms against risks such as flooding (due to damaged pipes, or heavy rain), lightning damage, burglary and theft, plus hail stones. Most of these risks are beyond the control of farmers, so peril insurance will cover all losses. Not only does it cover farm buildings, and contents, it also covers livestock too.
Peril farm insurance should cover the cost of repairing, and in the worst case replacing farm machinery such as tractors and combine harvesters.
Crop insurance is designed to cover the cost of a poor, or sometimes completely lost harvest of crops. For arable farmers especially a poor harvest could spell complete disaster without the crop being insured. All it takes is an unusually wet winter, a very dry summer, or a freak hail storm and crops are ruined. The cost of crop insurance is based on the total value of the crops being insured, but the cost of premiums is minimal compared to losing all of an uninsured crop.
Farmers, particularly those that have employees working for them should seriously consider liability insurance policies too. Not only does liability insurance cover you and your workers for accidents, it can also cover you if any of your customer get injured or become ill after using of the goods that you sold to them. This type of policy covers you in cases were legal action can be taken against you, otherwise legal charges, and any damages that you owe could result in your farm’s bankruptcy. It also covers you against the cost of medical insurance, and hospital bills.
These days farmers can also pay for auto farm insurance in case any of their cars, vans, or tractors are involved in accidents, covering damages inside and outside of your farm. The driver is covered, plus any animal or machinery that was being transported at the time of any accident.
How To Get Cheap Farm Insurance
Before buying farm insurance it pays to shop around for the best prices. Insurance quotes can be obtained via websites, or by finding numbers in the Yellow Pages. Different companies will offer you different premiums that provide varying amounts of coverage.
To summarize farm insurance is something that farmers should not do without, the premiums will protect you should disaster strike your farm. Agriculture insurance should always be taken out in order for your farm to survive unplanned mishaps.
WHAT IS AN INSURANCE QUOTE?
What’s An Insurance Quote?
An insurance quote is a tentative offer to insure your property or health based on the initial information you provide. Insurance quotes are most popular with the auto insurance and home insurance industries, however there are other branches within the insurance industry that provide insurance quotes online, over–the–phone, and in–person.
The key thing to remember about insurance quotes, especially those online is that they are not binding, meaning that if you receive that quote online or over the phone, when you actually “sign” the policy, rates may change. Why? Because there may be more specific information your provide to the insurance agency that may affect the real cost of insurance.
In my experience, agencies like Geico and Aetna stay as close to their quotes as possible. This is because their initial questionnaire is very detailed. However, some agencies use their initial quotes as a bait and switch technique to get the driver to commit, then they work on the driver by pleasantly explaining why their insurance quote is higher than what they were quoted. I’ve heard that Esurance has been known to do this, but this was as late as a couple years ago, so maybe not anymore. (Just a heads up to be on your Ps and Qs).
So what is an insurance quote? Its a quote you receive after providing general personal information to an insurance agency and based on certain fixed factors and industry rates, you’re given a “quote.” Hope this helped.
HIGHWAY INSURANCE – A REVIEW
About Highway Insurance
If you are shopping for an insurance company for your vehicle and you want one that provides excellence in their service, look no further than Highway Insurance.
Highway Insurance offers multiple types of coverage, including car insurance, van insurance, motorcycle insurance, and specialist vehicle insurance. Whatever your vehicle, they’ve got a plan for you, and they will deliver quality results.
With more than fifty years working in the industry, Highway Insurance has done it all. Their years of experience prove them to be leaders in the industry, and help us customers to trust them. When looking for an insurance company, it is always smart to find one that has been along for a long time, and they have certainly done that. Age is quality, and Highway Insurance offers that.
Complaints data is another thing to look into when you are trying to find the best insurance company, and Highway Insurance offers that information online for all of us to see. We can check out just what kind of issues they have dealt with, and how they have taken care of problems, so we can see just how they work as an insurance company and if they can be trusted with our vehicles. Since we can see the results that they worked out, we can ensure that they are a good fit for us.
With their caring service, Highway Insurance proves that they are above the rest. They treat you like a person and show you that they actually care about more than just the money that you give them. They treat you like family, and you can’t help but to like them in return.
If you want an insurance company that knows what they are doing, and also treats you like one of their own, then Highway Insurance may be just the company for you.