Errors on Your Auto Insurance Application Can Cause Big Issues
You may not think errors on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your auto insurance application can lead to increased premiums, policy cancellations or no financial assistance in the event of an accident.
Errors on your Auto Insurance Application to Avoid
Not listing all drivers—Anyone who continuously drives your vehicle, even if it’s just for a short period of time a week, should be listed on your policy.
Giving a false vehicle location—The difference between parking in one zip code versus another can greatly affect the amount of coverage you need for your vehicle. Failing to report your car’s true location can impact the accuracy of your insurance quotes.
Not reporting your driving infractions—It’s best to be upfront about your driving record to avoid any conflicts or discrepancies. Your insurance company can easily retrieve any driving records from the DMV to application.
Check the accuracy of your application.
Not disclosing business uses—In some cases, you may need a specialized policy when driving for business purposes or for a rideshare company like Uber or Lyft. Failing to take the proper steps could lead to a lack of coverage following an accident.
Failing to update life changes—Changing addresses or adding another driver to a vehicle are all life changes that need to be updated on your policy. By not reporting changes, you may be overpaying for coverage and missing out on available discounts.
Be Honest on Your Application to Avoid the Consequences
Errors on your auto insurance application can end up costing you more money in the long run. If you think that you may have given false information on your auto insurance application, call your insurance agent to update your auto policy and avoid any ramifications.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
With locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive Auto insurance quote!
Prom is not only a huge rite of passage, for both teens and parents, but it also one of the most dangerous times of the year for teen drivers. While parents are usually pacing the floors, their kids are dancing the night away and attending after parties. While a lot has changed, the number one priority for teens is to have a safe, fun and memorable time.
The National Highway Traffic Safety Administration reports that 1/3 of all alcohol related teen driving fatalities occur between April and June, which is prime Prom Season. Automobile accidents are the number one cause of death for young people (ages 12 to 19). Prom night is even more dangerous because of the large amount of teen drivers out late at night.
Talking About Prom Season With Your Teenager
With Prom Season just around the corner, it is a great time to start talking to your teenager about the dangerous situations that can happen and how to deal with them.
Topics You Should Consider Discussing:
Open Conversation – Have a candid conversation about the dangers of prom, such as drinking and driving, distracted driving, and peer pressure.
Create a Secret Code – Having a secret code that will alert you that your teen needs to be picked up or needs your help. It can be a simple code that can be a text message. Keep this a “no questions asked” policy, so that your teenager isn’t afraid to use it.
Set Clear Rules – If your teen is driving to prom or a passenger, you should make it clear that there is NO driving (or riding in a car with someone who is) under the influence of alcohol or drugs. You can download our teen driver contract to start the conversation and to have a written agreement.
Passengers on Prom Night – Driving with two or more passengers greatly increases your risk of getting into an accident due to distracted driving. Find out more on distracted driving.
Always Wear a Seat Belt – no matter how short the trip.
Social Media -Pictures and Videos from prom night will inevitably end up on social media. Warn your teen to be careful not to be captured on film drinking alcohol or doing anything else they might regret. Talk to your teen about refraining from uploading questionable/embarrassing photos or videos. Depending on what is uploaded, your teen might be in as much trouble as the person in the video.
Be Aware – Encourage your teen to only drink from bottles or cans they opened themselves or saw being opened. Remind them never to leave a drink unattended, but if they forget, throw it away. Also, point out the dangers of drinking beverages from a dispenser or punch bowl as they could be spiked with alcohol or drugs.
Good Decision Making – Make sure your teen is aware that their poor decisions on prom night could mean not graduating from high school on time. Also, colleges can revoke scholarships or an acceptance letter for illegal behavior or for getting expelled from high school.
Make Prom Season Fun, Memorable and Safe
These tips will help make prom a great memory!
Be ready to roll with the punches. A lot of things can go wrong with prom groups. Be flexible when it comes to driving your child and their friends to the dance.
Dinner doesn’t have to be expensive. “We didn’t want to go to a nice restaurant, so we ended up getting McDonald’s. It was fun and cheap.”
Bring Band-Aids. High heels can give really deep blisters. It could’ve been avoided by wearing a Band-Aid to protect ankles.
Go with someone you’re close with. It doesn’t matter if it’s a date or a friend, but when you’re close with the people in your group, you can relax more.
Take advantage of the activities at the dance.
Mingle with Others. Don’t restrict yourself to only hanging out with your group. Talk to people from different groups, which can make the night more fun.
Take lots of pictures. This should be a night you want to remember.
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive teen driver insurance quote!
Teens and young adults often face hefty auto insurance premiums because, statistically, they are more likely to get into car accidents. The Department of Motor Vehicles reports that the crash rate for those between the ages of 16-19 is 2.7 times greater than that of the average driver. However, most carriers offer a simple solution to combat this financial burden—offering a good student discount. GDI Insurance Agency, Inc. offers a teen driver insurance program where you can find affordable auto insurance.
The Good Student Discount
The good student discount is an
auto insurance discount provided by carriers that benefits students financially
for their academic achievement. In other words, this discount offers reduced
premium rates for current students that maintain a specific GPA or other
measurable level of success in school.
The Journal of Accident Analysis and Prevention found in a recent study that students with a C or D average in school are 49 percent more likely to get into a car accident than those with an A or B average. As a result, students with an A or B average are labeled as low-risk drivers by car insurance companies and rewarded with lower rates.
How To Receive the Good Student Discount
In order to receive the good student discount, you will need to provide both proof of enrollment and proof of academic achievement. This proof can be provided to carriers in the form of a report card or transcript, standardized test score results, a letter from a school administrator, or a dean’s list or honor roll certificate. In the case of a home-schooled student, you will need to provide a certification signed by a home-schooled certifying body such as the State Department of Education
While specific qualifications vary between carriers and states, most auto insurance companies typically require students to meet the following standards:
Be under the age of 25
Be currently enrolled
full time in high school, college or university
Maintain at least a
3.0 GPA
Score in the top 20
percent on the PSAT, SAT or ACT
Receive recognition on
the dean’s list or honor roll
California’s Leader in Insurance and Risk Management
As one of the fastest growing agencies in California, GDI Insurance Agency, Inc. is able to provide its clients with the latest and greatest of what the insurance industry has to offer and much, much more.
We are headquartered in Turlock, CA, with locations across the heart of California’s Central Valley, Northern California and beyond to provide a local feel to the solutions and services we provide our clients. We pride ourselves on exceeding our client’s expectations in every interaction to make sure that our client’s know how much we value and appreciate their business. Contact us today 1-209-634-2929 for your comprehensive Teen Driver insurance quote!
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