Auto Insurance - Blog | Wenatchee Insurance Agency

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first time driver or if you have a lapse in coverage then Wenatchee Insurance can help

We had a first-time client approach us the other week without coverage for a quote. They had not driven their car for a couple of weeks and had let their insurance lapse. It was an eye-opening experience for them.

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Continuous coverage is important for auto insurance for several reasons:

Gaps cost money: If you let your auto insurance coverage lapse, even for a short period, it can result in a coverage gap. A coverage gap means that there is no insurance in place during that time. Insurance companies may view coverage gaps unfavorably, resulting in higher premiums when you reinstate your policy or even difficulty in obtaining coverage in the future. With the hard market, insurance companies are less likely to accept a driver with a gap in coverage.

Legal Requirement: In Washington State, having auto insurance liability is mandatory by law. Continuous coverage ensures that you meet this legal requirement and avoid any penalties or fines that may be imposed for driving without insurance.

Personal Protection: Auto insurance provides liability coverage for injuries or damage caused to others in an accident. Continuous coverage ensures that you have this protection in place consistently, minimizing the risk of facing a significant financial burden due to an unforeseen event.

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Financial Protection: An important question to ask is how much you want to pay out of pocket before the insurance company starts to pay. When you move beyond liability coverage, auto insurance provides financial protection against potential losses and damage resulting from accidents, theft, vandalism, or other covered events. It is why we recommend talking with an agent so that you understand the coverage in an insurance policy prior to purchasing.

Uninterrupted Benefits: Some auto insurance companies offer additional benefits or discounts based on continuous coverage. These benefits can include lower premiums, loyalty rewards, accident forgiveness, or coverage extensions. By maintaining continuous coverage, you can take advantage of these benefits over time.

It’s important to note that the specific requirements and benefits of continuous coverage may vary depending on your insurance provider, local regulations, and the terms of your policy. It’s always recommended to review your insurance policy and consult with your insurance agent to understand the details of continuous coverage in your specific situation.

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As an independent insurance agency in Central Washington when policies come up for renewal, we like to review and shop for lower rates. Time is your friend in this case as we are able to find new carriers as you have established continuous liability with your auto insurance

Wenatchee Insurance was set up to get cheap insurance for teen drivers . We recognized that it can be a challenge because teens are considered high-risk drivers due to their lack of experience. Suzie and Matt have a teen driver in their household, so we understand how tough it is to get good coverage that is affordable.

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Here are several strategies you can consider to potentially lower the cost of insurance for a teen driver:

Compare Multiple Insurance Quotes: We use and internal exchange to shop for and obtain quotes for our clients. Prices can vary significantly, and as an independent insurance agency, we do the work of multiple applications and present you with options. We are your personal shopper.

Insurance for young drivers

Add the Teen Driver to an Existing Policy: Instead of purchasing a separate policy for the teen driver, consider adding them to an existing family policy. This can often be cheaper than getting an individual policy. As long as everyone is in the same household or all garage addresses are listed, a family policy is often the cheapest approach.

Take Advantage of Good Student Discounts: Many insurance providers offer discounts for teen drivers who maintain good grades. Encourage your teen to work hard in school and provide the required documentation to the insurance company to access this discount.

Opt for a Safe Vehicle: The type of car your teen drives can affect insurance rates. Choose a safe and reliable vehicle with good safety features, as insurance premiums tend to be lower for such cars. There are cars that insurance companies refuse to cover or have higher rates do to their theft potential.

Increase Deductibles: Increasing the deductible—the amount you pay out of pocket in the event of a claim—can lower insurance premiums. The question to ask yourself is how much you want to pay out of pocket before the insurance company takes over.

Limit Coverage: Evaluate the coverage options you need and consider excluding certain coverage types that may not be necessary for your teen driver. Be cautious, though, as it’s important to maintain adequate coverage for protection.

Telemetrics: Some companies will use an application on a smartphone. Depending on when a person drives, how a person brakes and starts, and how fast they go is tracked and this can lead to some significant savings.

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Remember that insurance rates vary based on factors such as location, driving record, and the insurance company’s policies. It’s essential to discuss your specific situation with insurance providers to get accurate quotes and determine the best options for your teen driver.

Let’s chat and see what we can do.

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