First Car, First Insurance Question: Does My Teen Driver Need Their Own Policy?

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How to insure a teenager’s car has got to be one of the most common questions Gregory's Insurance professionals get asked year after year. Should parents title and insure a teen driver’s car separately from other cars in the household? This is normally done with an eye to save some premium dollars and to reduce potential liability for the parents- at least on the surface. The reality is that insuring a teen driver’s car separately can actually open some pretty big gaps in coverage that a parent may still find they’re liable for. So here are a few things to consider when deciding whether your teen should have their own policy:

5 Things to Discuss with Your Teen Driver

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Driving can open up new opportunities for teens but with those opportunities comes responsibility. It’s important for teens to understand those responsibilities and for parents to set appropriate expectations.

Care to Share? How Joining a Car or Bike Share Program Could Impact Your Insurance

Across the country car and bike share programs are gaining in popularity as a way to ease congested traffic patterns in urban areas while at the same time providing more flexible transportation alternatives to public transit. These programs are a great alternative for urban dwellers and college students who may not own a car or bike but occasionally need one to run errands, or to use as an alternate means of commuting.

Rental Car Insurance: To Buy or Not to Buy?

As the holiday season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip in a rented car, it’s an appropriate time to discuss one of the most frequently asked questions of agents and brokers all over the country: “Should I buy the insurance from the rental car company?”

Shopping Carts Woes

Could your car’s worst enemy be…a shopping cart? How could a motor-less, four-wheeled wannabe pose such a threat to a proper automobile? Believe it or not, one of the most common causes of body damage to a car is the dings and dents received by not-so-innocent buggies in the parking lots of your neighborhood grocery store. The question is: If your car is the next victim, how will your car insurance respond?

Is a GPS Covered by an Auto Policy?

Some may view them as science fiction gone wild. Others see them as indispensable, possibly life-saving tools. Regardless of your feelings about Global Positioning Systems (GPS), they continue to occupy the dashboards of millions of U.S. vehicles each year. The pervasiveness and expense of the technology has drivers asking if their GPS systems are covered by auto insurance.

Insurance: The One Question Everyone Asks

“Am I overpaying?” That’s a question that every consumer asks from time to time. Everyone is curious and concerned as to whether he or she is getting a good value for the money, whether it’s for a candy bar, a car or an airline ticket

Understanding Driver Exclusions

Everyone knows “that guy” whom you wouldn’t trust behind the wheel of your car, even in a matter of life and death. For the truly unfortunate, “that guy” is a member of your household—and looks not only to your vehicles as a source of transportation but also to your auto insurance as a source for coverage.

Family Members: What You Auto Know

Those that design personal auto insurance policies learned years ago that folks living in the same house will take turns driving the family cars. That’s why auto insurance policies are designed to provide coverage not just for the person specifically named on the policy (you) but also your spouse and family members.

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