Auto Insurance Discounts for Teen Drivers

It is no surprise that insuring teen drivers can be costly. Teen drivers are viewed as inexperienced drivers and are more likely to be involved in auto accidents and receive traffic tickets. While elevated rates are inevitable when it comes to insuring your teen driver, there are still ways for you to lower your auto insurance premium, including:

  • How many times have you threatened taking away privileges if your child does not maintain a strong grade point average? Now, they actually have incentive! Students that maintain a B average, or 3.0 GPA, will receive a substantial discount for being a good student. The good student discount can be your ticket to encouraging your child to receive good grades.
  • Many insurance companies will reward inexperienced drivers who take defensive driving courses with an insurance discount. Whether you have already taken Driver’s Ed to receive your license or not, the refresher on basic driving rules proves that you want to be a safer driver.
  • While your new teen driver may be begging for that new red sports car, it is smarter if you go for an older and more practical vehicle. Sensible vehicles are less expensive to insure, especially when there is a teen driver behind the wheel of it.
  • If you are looking for a big way to save, you may want to consider increasing your deductible. This will provide you with a smaller premium amount, however, you must be ready to pay the elevated deductible if you are involved in an accident. It is important that you do not make this change without considering actually having to pay the deductible.

Contact Stromsoe Insurance Agency in Murrieta for all of your California auto insurance needs. Insuring your teen driver does not have to break the bank with a comprehensive auto insurance policy from Stromsoe Insurance Agency! Allow us to safeguard your most prized asset at an affordable rate.

Safely Sharing the Road with Bicyclists

Schools are starting to fill with children while the roads are filling with motorists and bicyclists going to and from their destinations. With more children riding to and from school on their bicycles, we must think about what we can do to make the roads a safer place.

As a state-wide effort to reduce the number of biking fatalities on the California roads, the California Highway Patrol (CHP) have put forth a new law. Starting on September 16th, all motorists must yield three feet of distance between bicyclists at all times. This rule applies to motorists trying to pass or overtake a bicyclist. If you are unable to yield three feet distance, you must slow down until you are able to do so without presenting any danger.

Safety on the road however is not a one way street. While more distance between vehicles and bicycles will surely make a difference, both motorists and bicyclists must practice safe driving habits. Gathered are some helpful safe driving tips for both bicyclists and motorists:

  • Whether you are cycling to and from school, or simply around the corner to visit a friend, it is important that you are always equipped with a helmet.
  • If your child will be riding their bicycle to school, explain to them that they are safest while riding with traffic as opposed to against it.
  • As a bicyclist on the road, it is important that you maintain eye contact with drivers in their cars, tell your children riding their bicycles this vital tip as well. Eye contact can let you know the difference between an aware driver and a distracted driver.
  • Most importantly, always be aware of your surroundings.

It is important that you not only abide by the rules of the new law, but you must also practice safe driving habits no matter how busy or in a rush you may be. Contact Stromsoe Insurance Agency in Murrieta for all of your California auto insurance needs.

New Bride’s Checklist for Changing Your Name

Congratulations! You’ve tied the knot with the love of your life! The honeymoon is over and you can finally start your life together. However, the marriage ceremony did not automatically turn you into Mrs. Smith. In order to legally change your name, you must have your marriage certificate in hand for a variety of organizations. Compiled is a new bride’s checklist for which organizations you should consider changing your name with:

  • Legally, the name on your tax returns must mirror your registered name with the Social Security Administration.
  • You will need to change the name on your driver’s license, car registration, title, and auto insurance.
  • You will need to change the name on your passport if you plan on traveling with your spouse.
  • You must change your name legally with your employer so that your tax returns mirror your legal name.
  • Changing your name on your bank accounts is crucial.
  • To avoid any problems with your mortgage or rent, you will want to inform your mortgage broker or landlord of your new name, in writing.
  • If you have any retirement or investment funds, you will want to update your personal details and change your name.
  • In order to vote under your new last name, you will need to go to the U.S. Election Assistance Committee and change your name.
  • You will want to call your doctor and any other medical service personnel to update your chart.
  • If you have a lawyer, you will want to update your name so that no future problems arise questioning your identity.
  • Update all of your insurance policies to match your new last name.
  • In order to receive all of your mail, you must change your name with the U.S. Postal Service.
  • Update your information with all of your utility carriers.
  • Update your name at all of your child’s educational organizations.
  • If you are involved in an alumni association or any other membership-based organizations, you will want to update your name.

Congratulations! Allow us to guide you through this milestone and make sure you have covered all the bases. Contact Stromsoe Insurance Agency today and allow us to help you change your name after getting married.

9 Ways To Save on California Auto Insurance

Since auto insurance is required by law, many individuals simply see the price they pay as a stagnant number that cannot be changed. Despite common belief, you are in complete control of your auto insurance premium. With the right lifestyle habits, you can keep your premium at a manageable rate. Compiled are 9 ways you can save on your auto insurance premium without sacrificing coverage:

  1. Did you know that your driving record has a heavy impact on how much you pay for auto insurance? Drive safely and refrain from speeding. Each traffic violation and auto accident will increase your premium.
  2. Did you know that you can receive additional discounts by taking defensive driving courses? These classes can also hide tickets from your record. Therefore, you can maintain your clean driving record by taking these classes. Before you enroll in one of these classes, contact us to verify qualification.
  3. Did you know that installing anti-theft devices in your car can help you save significantly? Since your car will be less susceptible to theft, you can receive a big discount.
  4. Did you know your credit score is taken into consideration when your premium is calculated? Make sure to conduct a credit report on a regular basis and fix any mistakes.
  5. Did you know that the neighborhood you live in affects your auto insurance premium? Your insurance provider will determine the risk factors of your neighborhood based on a number of demographics and provide you with a premium amount. If you are planning on moving, be sure to check the zip code’s premium rates.
  6. Did you know that the type of car you drive makes a big difference on how much you pay? Your premium will depend on how much it costs to repair or replace your vehicle. Before you go car shopping, be sure to ask your insurance provider what impact the purchase will make.
  7. Did you know that your daily commute determines your premium as well? If you drive an hour to work each day, expect to pay more on auto insurance.
  8. Did you know that if you raise your deductible you will not be paying as much each month? However, when making this change, you must keep in mind that you will be forced to pay more out of pocket if you get into an accident.
  9. Most importantly, did you know that you can save money on auto insurance by choosing to work with a local agent? You will get the coverage you deserve while working with an advocate on your behalf. They will find you the best rates, all qualifying discounts, and they will gladly explain any gaps in coverage. Working with a trusted agent like the experienced ones at Stromsoe Insurance Agency will allow you to control your risks, while protecting your family and maximizing your savings.

The experts at Stromsoe Insurance Agency want to be your trusted agent. Contact us today to get started!