For anyone that has a young driver you might agree that according to statistics, young drivers under 25, especially males, belong to a high risk group, (i.e. those who tend to make insurance claims more often than any other group of drivers). Young drivers don’t have the experience older driver do and therefore are much more likely to have accidents. Your car insurance West Virginia may suffer from having a young, risky driver on your policy.
Not to get into too many details, (to protect the innocent [or guilty]), I have some close family friends, and they have a 16 year old female driver. I love this girl, but I have said before… she will NEVER drive with my daughter in the vehicle. Regardless of the fact I love her, I understand that young “kids” just don’t know how to drive – and perhaps whats worse is that they think they do! So this friend got her license about 4 months ago. Being the good parents her’s are, they gave her some freedoms and even bought her a car – with the stipulation that there would only be ONE vehicle purchased for her. I’m sure you know where this is going – she wrecked it. Kids will be kids – you love them unconditionally, they learn from their mistakes, and move on. She moved on alright… wrecking the family vehicle a couple months later. Again, we love, we forgive, we move on… but this time… the West Virginia auto insurance doesn’t! Again, I love her, and I am proud of her for many other things, but driving is not something I would call a “skill” of hers. However, she is an excellent motivation for me writing this series of blogs! SO over the course of the next couple posts, we will look into some tips and ticks that can keep your kid safe, on the road, and insured! Please pass this series along to those who need it! Share it on Facebook, and print it off for your friends at the office with young drivers! We want to help you with your WV Car Insurance, and we want you to help your friends.
Besides some obvious recommendations, like keeping one’s vehicle record clean and practicing safe and careful driving, there are other important things that a young driver(and parents) can do in order not to fall under the above mentioned statistics.
Here is my first recommendation to you… have a LOCAL WV insurance agent, like Fargo Insurance!
Have an agent that you can become friends with. An agent that understands the circumstances of your current life. These mega-million, TV, E-Insurance companies have no clue who you are… a local agent will be at local football games with you, will have kids the same age as yours, and will know your community. A LOCAL agent will be able to go to bat for you… and will be an advocate for you in your time of insurance need! To go one step futher have a local agent that has the ability to write through multiple companies. Each company offers it’s own pluses. Having a agent (like Fargo Insurance) gives you the opportunity to look at different companies and choose the coverage that is best for you!
That’s all for today! Check back soon for #2!