Car Insurance Discounts For Senior Drivers

Senior drivers, you can save on your car insurance with these discounts!

Your parents might not have told you, but they paid a pretty penny for your car insurance when you were a teen. Because teen drivers are inexperienced, they’re riskier for insurers to cover. They pass that risk along to parents in the form of higher premiums.

It makes sense, then, that as you gain experience behind the wheel you would pay less for your coverage. We want to help you save as much as possible for all of your years on the road, so we’ve collected some of the best car insurance discounts for a senior driver.

  • Mature Driver: Ask your insurer at which age they shave a specific percentage off your premiums. Most providers have a certain age in mind, and once you hit it you automatically qualify for this discount.
  • Driving Course: If you take a safe driving course offered to senior drivers (the AARP offers them all over the country), you can shave down your premiums.
  • Low Mileage: If you’re not driving as much as you used to, you might be able to save. Some insurers will offer a significant discount if you drive fewer than a certain number of miles each month.
  • Membership: Are you a member of the AARP or another senior organization? If so, tell your insurance provider. Most of them offer certain discounts to people with these types of group memberships.

Want to save more on your California coverage? To talk to a car insurance agency that will work hard to dig out all of the discounts for which you apply, contact Stromsoe Insurance Agency. We know that every senior driver deserves to save big, and are here to help you do just that!

Your Teen Drivers Need Car Insurance (Even If They Don’t Have A Car)

How to get your teen drivers the car insurance they need.

In theory, your teen becoming a licensed driver takes a lot off your plate. You don’t have to drive to school in the mornings, you’re not responsible for shuttling your teen and his or her friends to after-school activities, and you free yourself from playing weekend chauffeur.

Unfortunately, though, when your teen starts being able to drive you do have or thing or two you need to worry about. For starters, you need to focus on making sure your family’s newest driver is safe behind the wheel.

Secondly, you need to consider your insurance coverage. That’s right, even if your teen doesn’t have his or her own car you still need to insure him or her. In the state of California, all drivers on the road are required to have liability insurance. That means that if you let your teen drive without having coverage for him or her, you’re letting your teen break the law.

Fortunately, insuring your new driver is easy! Just give your insurance agent a call, and he or she will be able to add your teen as an operator on your family’s existing coverage.

Let us forewarn you: when you add a teen, your rates will go up because teen drivers are statistically some of the riskiest people on the road. The good news is you can combat this by limiting how much your teen drives, getting a good student discount if he or she gets As and Bs, and waiting to buy him or her a car.

If you have questions about the California car insurance your growing number of drivers requires, don’t wait to contact Stromsoe Insurance Agency. We know that you already have enough to worry about with your new teen driver, and are here to making getting him or her covered easy! Protect your family, your vehicles, and your liability by calling us today.

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.

Safe Teen Driving Tips

Getting a drivers license is one of the most exciting times in a young person’s life. It can also be the scariest time in a parent’s life. Making sure your child is prepared for the road can not only help keep your teen driver safe, but also help ease your mind as a parent. A few simple safe-driving tips can help your teen be a safer driver for the rest of their life.

Jumping a car – teaching your teen how to properly jump a car could be the difference of them making it home for dinner and being stuck in a parking lot.

Changing a tire – although changing a tire seems like something that you could call to have fixed, think of all the places that there is no cell reception. Relying on a cell phone to make a repair call can leave you stranded in unfamiliar places for many hours.

Knowing dashboard lights – dashboard lights are not just decorations. They all have specific meanings and knowing which ones need to be dealt with immediately can save you teen from a disaster and save you hundreds of dollars in additional repairs to a vehicle.

The most important step to making sure your teen is a safe driver is to make sure they have the proper auto insurance. Stromsoe Insurance Agency offers different auto insurance policies that fit into any lifestyle.

Going Green for Earth Day

Earth Day is Tuesday, April 22nd. This is a perfect day to get involved in your community and find ways to be a little greener in your own life.

The first Earth Day was celebrated in 1970 and was the brainchild of Senator Gaylord Nelson. It was started as a “teach-in” to educated the public about the environment. Nelson wanted to bring the environmental issues into the public spotlight. Today, the Earth Day Network works with over 17,000 partners and organizations in over 174 countries.

When thinking of ways to go green in your own life, small changes can help make a big impact. Taking public transportation or carpooling with fellow employees to get to work can help cut down your carbon footprint. Changing lights in your home to more energy efficient ones and making sure you turn them off when you leave a room can help cut down on your energy usage.

To get involved in your community, look for special Earth Day events. Many communities have beach clean ups or tree planting to celebrate Earth Day. If there are no events, make your own! Get other community members involved to help make your community more beautiful.

Stromsoe Insurance Agency encourages you to find ways to go green in your own life. They also want to remind you to contact them for all of your insurance needs.