Auto Insurance

The Importance of Commercial Auto Insurance

Posted by on May 3, 2016 in Auto Insurance, Business Insurance | Comments Off on The Importance of Commercial Auto Insurance

The Importance of Commercial Auto Insurance

You have other insurance policies in place to protect your company from liability, fire, theft, and other potentially ruinous events.  Commercial auto is the policy that will protect your company when you or your employees are on the road. Whether your company has one car or a hundred delivery vans, there is a commercial policy that will suit your needs.  You can obtain individual commercial policies for each vehicle used by the company, or choose a fleet policy if you have more than a few cars. If you run a business that requires the use of vehicles for company activities, you need a commercial auto insurance policy.  Commercial insurance policies are designed to protect you against the wide variety of liability issues you face when you have employees on the road using your vehicles. Without a commercial auto policy, if an accident were to occur, you and your company will be held accountable for property damage and injuries.  Only a commercial policy can protect you and your business from financial disaster. For more information on commercial auto insurance, please contact Kathy Seifert (CA License 0H46706) at Key Partners Insurance Services, Inc. at 661-235-5885 or [email protected] Key Partners Insurance Services, Inc. is a full-service independent insurance agency located in Valencia, CA. Check Out Our Website! Follow us on Facebook Follow us on...

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Teen Drivers – Tips For Saving Money on Auto Insurance

Posted by on Mar 9, 2016 in Auto Insurance | Comments Off on Teen Drivers – Tips For Saving Money on Auto Insurance

Teen Drivers – Tips For Saving Money on Auto Insurance

Anxious? If your son or daughter has recently reached the age when they are starting to drive, you’re likely experiencing enough anxiety without thinking about what your teen driver is going to do for your car insurance rates! Inexperienced drivers usually come with high insurance premiums, and having the facts about insuring your teen driver before contacting your insurance company will ensure you’re ready to find the best value for your insurance dollars.  Read on to find tips about saving on auto insurance if you have a teen driver. How Insurance Companies Include Additional Drivers Some insurance companies assign the most expensive car to the most expensive driver, making them the primary driver for that vehicle whether or not this actually reflects the circumstances.  If you have a luxury car, this could cost you a fortune.  Your options are to buy your teen an older vehicle or switch to an insurance company that doesn’t use this method. Shop Around Getting the best deal with any major purchase involves shopping around.  Getting quotes from several companies before adding a teen driver may save you money. Keep Their Grades Up Most insurance companies look at factors such as your teen’s grades to measure responsibility, much as they would look at the credit score of an adult.  Requiring good grades as a part of their responsibility as a new driver is a good idea, both for them and your pocketbook. Driver’s Education Taking a Driver’s Education course often provides an insurance discount for teen drivers.  It will also give them the skills they need to be safe drivers. Increase Your Deductible This is always an effective way to reduce your insurance rates, but always be sure you choose a deductible that you can safely afford. Keep Your Teen Accident Free The best way to keep your rates down and your teen safe is to encourage safe driving practices.  This includes having rules about when your teen can drive, the number of passengers they can have in the car, and a no tolerance policy if they violate these rules.  Driving is a privilege, not a right, and instilling this mentality in them as new drivers will keep them safe through the years. Ask Your Agent Remember to ask your agent for her/his advice prior to any major changes to your household insurance portfolio. For more information: Contact us at 844-253-1511 or [email protected]..

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