What to Consider When Purchasing Auto Insurance for a Teenager

Having teenage drivers in the house can be nerve-wracking on many levels, not to mention pricey, but this doesn’t have to be the case when it comes to ensuring the right auto insurance covers them.

If you’re in Pismo Beach, CA, we at Neff & Associates Insurance Services Inc can help you settle on the right plan for you. Here’s a look at what to consider as you start your journey.

Driving Habits

The reason it’s often so expensive to insure teen drivers is because they’re considered much more likely to drive carelessly, get into accidents due to inexperience, and so forth. That said, how seriously your teen takes the responsibility of driving in the first place greatly counts.

Academic Performance

Conscientious teens with good attendance records, high GPAs, and excellent academic records are often eligible for significantly better insurance rates. This is the case for teens still in high school and those who have already started college.

Vehicle of Choice

What make and model vehicle your teen will be behind the wheel of makes a difference in your insurance rates, as well. Newer cars, muscle vehicles, and luxury models will be the hardest on your pocketbook. Used cars in good condition and vehicles with many safety features will be the easiest.

You may also consider whether it makes more sense for your household to add your teen to your existing auto insurance policy or take out an entirely separate policy strictly for them.

If you’re in Pismo Beach, CA, or the surrounding areas, we at Neff & Associates Insurance Services Inc can help you review your situation and settle on the best policies for you and your family. Contact us today to discuss your options!

Preparing your home for an emergency

Emergencies can happen at any time in any place. Being prepared can make getting through an emergency more comfortable. At Neff & Associates Insurance Services Inc in Pismo Beach, CA, we ensure that our customers have the insurance they need to protect themselves. 

Have a plan

Formulate a plan for your family and make sure everyone knows it. You must have an evacuation route if you need to leave the area. The family should have a rehearsal, so everyone knows where to meet, what to bring, and where to go. 

Have your important papers together.

In an emergency, you may need to file an insurance claim later. Ensure you have your home insurance details, all your vital records, and important papers in a fire and waterproof container. Bring it with you if you evacuate. 

Stockpile essentials

Having a few cases of water on hand will be very helpful if the stores around you are damaged or you cannot drive outside due to road conditions. Have non-perishable food supplies for several days on hand and batteries and candles if the electricity is out. 

A generator

A generator can keep you warm or cold, depending on the time of year. It can operate your plumbing as well. Keeping your electronics charged can make a difference when your home is involved in an emergency. Keeping up with the news or playing a game makes things less tense at home. It also means that your cold food will not spoil, and you can cook. 

Contact us

In Pismo Beach, CA, Neff & Associates Insurance Services Inc is here to help you to make some critical home insurance decisions.