Youthful Drivers

Posted by Nanci Sparrow |


Tips to Save on Your Auto Insurance When You Have Young Drivers in Your Household:

1. Good grades/Good Student = Auto insurance savings. Be sure to let your Insurance Agent know if your youthful driver has a 3.0 or better grade point average.
2. Before purchasing a car for a youthful driver be sure to call your Insurance Agent for a peixw quote. That way there are no surprises.
3. Part-time driver = best savings. If there are more cars than drivers in your household be sure to make your youthful driver the part-time driver.
4. Rule of thumb: if you are looking for the maximum savings your older, less expensive car is usually going to be the best bet for your youthful driver to have as their assigned car.
5. Have a college student living away from home with their car? If they go to college in a less congested area where there are few claims perhaps they are in an area with better pricing than where you live. Contact your Agent for a quote as to what it will run you having that vehicle at a different garaging address.
6. An overall good rule of thumb is once the youthful driver is in the picture it’s a good time to shop your insurance. The carrier that offered you the best rates in the past may no longer be best priced when insuring a new driver.
7. Drive safely: It helps for youthful drivers to keep their records as clear as possible. If stopped for a traffic violation the best thing they can do is go to traffic school. It really is a substantial savings over paying for a ticket on their record for the next 3 years.
Safe Driving Tips for Youthful Drivers:
1. Stay off your cell phone.
2. Do not text while driving.
3. Remember to turn on your headlights.
4. Follow the rules of the road.
5. Minimize distractions…wait to eat until after you are done driving.
6. Practice defensive driving: be aware of the road around you. Know what’s going in front of you, behind you, and to each side of you.
At Sparrow General Insurance Agency we can help you save when insuring youthful drivers. Call us today for a no-obligation price quote at 310-379-0605. read more

Nanci’s 8 Tips to Save on Auto Insurance:

Posted by Nanci Sparrow |

Business Insurance

1. Drive Safely. Tickets and accidents drive your auto insurance premiums up. If you are ticket and accident free, on the other hand, and if you have at least three years of driving experience you will qualify for a good driver discount.
2. Just get a ticket? Be sure to do traffic school… you’ll be happy you did! These days traffic school is especially convenient…you can even do it online from the comfort of your home. Even considering the cost of paying for the ticket and for enrolling in traffic school you will be way ahead financially than if you did not do it as you will pay for it on your insurance over the course of three years.
3. Youthful drivers are least expensive rated on older, less valuable vehicles. Trying to decide between giving your new driver a brand new Mercedes or an old Toyota? If you want to save on your auto insurance you will opt for the old Toyota.
4. Youthful drivers who are full time students will be eligible for good student discounts with most carriers. This is an added benefit for kids getting a 3.0 or better grade point average at school.
5. If your car is worth less than $3,500 consider removing the comprehensive and collision coverage. If your car isn’t worth much and you consider how much you are paying year after year for physical damage it likely pays to just remove the coverage. You’ve got to figure that if the car is totaled you weren’t going to get much for it anyways.
6. If you have a 4 year degree be sure to mention it to your Auto Insurance Agent. Many carriers are now giving discounts for advanced degrees.
7. If you are a Scientist, Teacher, Attorney, Fire Fighter or Physician be sure to let your Insurance Agent know. Many insurance companies are offering expanded savings to their customers in these particular occupations.
8. If you live in an area where insurance carriers experience fewer accidents and claims you will be rewarded. Yes, despite what many people think, zip code is a factor in determining your auto insurance premiums.
I hope you have found these 8 tips to save on auto insurance helpful. If you would like to shop auto insurance rates we are here to help. Please contact Sparrow General Insurance Agency, 2629 Manhattan Ave. #281, Hermosa Beach, CA 90254 at (310) 379-0605 today. read more

Auto Insurance

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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you. read more