Month: October 2023

Safe Driving Tips to Teach a Teenage Driver

Posted on by agentinsure

Teaching a teenager to drive is a significant milestone but comes with immense responsibility. Instilling safe driving habits from the beginning to ensure their safety on the road is essential. Here are some crucial safe driving tips provided by Neff & Associates Insurance Services Inc., serving Pismo Beach, CA, to impart to your teenage driver.

Defensive Driving

Emphasize the importance of defensive driving. Teach them to anticipate the actions of other drivers and be prepared for unexpected situations. Stress the need to keep a safe following distance and avoid tailgating.

Avoid Distractions

Teach your teen to keep their focus on the road. Emphasize the dangers of texting, using a smartphone, or adjusting the radio while driving. Encourage them to pull over if they need to attend to anything other than driving.

Seatbelt Usage

Make wearing seatbelts a non-negotiable rule. Ensure that both the driver and all passengers buckle up before the car is in motion. Set a good example by wearing your seatbelt consistently.

Speed Limits

Explain the importance of obeying speed limits. Emphasize that driving at excessive speeds not only increases the risk of accidents but also leads to more severe injuries in case of a crash.

Teaching your teenager safe driving habits is an investment in their future safety and the safety of others on the road. Be patient, lead by example, and provide ongoing guidance as they gain experience behind the wheel. If you’re looking for a new auto insurance policy to cover you and your new teenage driver in the greater Pismo Beach, CA area, the Neff & Associates Insurance Services Inc. team would love to help. Call us today to get started.

Reasons you may want to add additional liability coverage

Posted on by agentinsure

Owning a home in Pismo Beach, CA is a dream come true. Making sure the dream doesn’t become a nightmare is the friendly team at Neff & Associates Insurance Services Inc. Having the right home insurance makes all the difference when a covered hazard strikes. As independent insurance agents, we work for our customers and provide a personalized level of service. 

You only have minimum liability coverage.

If you have the basic amount most home insurance policies include, you may find that the amount is insufficient to cover the increased price of medical care. Wages have also significantly improved, and if someone is injured and can’t work, it could be pretty expensive, and judgments are unpredictable. You will also incur legal fees. Keep all of these in mind when choosing the right amount. 

You add a swimming pool or trampoline.

Swimming pools and trampolines are excellent sources of entertainment in your home, but they also significantly increase your potential for liability. Many children are injured in accidents while using a trampoline and also in pools. Having enough insurance to protect yourself is vital. 

You get a dog.

When you add a four-legged friend to your family, it raises your liability. Even a well-behaved dog can get into trouble. It is just the nature of dogs. When dogs run away and get frightened, they may not react as they normally do. 

You have teenagers.

Teenagers can be very social, and when many people visit your home, your risk of being sued for an injury rises. It makes more sense to increase the amount of liability coverage you have rather than to discourage your teens from being social. 

Contact Neff & Associates Insurance Services Inc. in Pismo Beach, CA when you need help or advice with your home insurance.