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    A Parent's Guide to Saving on Teen Auto Insurance

    Last updated 3 days ago

    If your teens are approaching driving age, you may be wondering how to minimize the costs of insurance. While auto insurance policies for teen drivers are more expensive than insurance policies for adults, teenage drivers need auto insurance the most. After all, even though tens make up about 14 percent of all the drivers on U.S. road, they account for nearly 30 percent of all auto-related injuries. The good news is that you can get the coverage you need for your teen without breaking the bank. Here are some tips for saving on teen auto insurance.

    Buy a Safe Used Car

    One of the best ways to keep your teen’s auto insurance rates down is to buy a safe used car. Insurance companies typically offer discounts for modern safety features like anti-lock brakes, airbags, and stability control. Brand-new cars are also much more expensive to insure than vehicles that are three or four years old.

    Encourage Good School Performance

    There are a lot of reasons to encourage your children to do well in school, but you probably didn’t know that good attendance and a high grade-point average can help you negotiate up to a 10 percent discount for your teen’s auto insurance policy. Ask your local insurance agent about discounts and incentives for school attendance and good grades.

    Teach Smart Driving Habits

    Another surefire way to reduce your teen’s insurance costs is to minimize the risk of being involved in an accident. Although you can’t control all the factors that lead to crashes (including other drivers), you can teach your teen to be an attentive and safe driver in order to avoid accidents and moving violations.

    The experienced insurance agents at Damberger’s Insurance Agency of Mountain View can help you find comprehensive auto coverage for your teen driver at the best rates. Contact us online if you have any questions, or call us at (866) 982-9181 to speak with one of our local insurance agents about your family’s coverage needs.

    Understanding Your Homeowner's Insurance Policy

    Last updated 10 days ago

    Insurance is something that most people would rather avoid until they need it most. However, taking a look at your homeowner’s insurance policy and understanding what is and isn’t covered can mean the difference of being able to rebuild your home and replace your personal belongings should a disaster occur. Here are some important aspects that you should be familiar with regarding your homeowner’s insurance policy. If you plan is inadequate, contact a local insurance agent to find the comprehensive coverage you need to protect your investment.

    Deductible

    The deductible is the amount that you are responsible for before insurance coverage kicks in. Before you sign up for the highest possible deductible to reduce your monthly premium, consider whether you are financially and emotionally prepared to part with you cash if you have to make a claim on your home.

    Replacement Cost vs. Actual Cash Value

    Figure out whether your policy covers replacement cost or actual cash value. Replacement cost pays the policyholder the cost of replacing the damaged property without deduction for depreciation, but is limited to a maximum dollar amount. ACV covers the cost to replace your home minus depreciation costs for age and use.

    Disaster Coverage

    One of the most important aspects of any homeowner’s insurance policy is what type of coverage is included. Most homeowner’s insurance policies do not include disaster coverage, which includes flooding and earthquakes. Talk to an insurance agent today if your home is in a flood or earthquake danger zone and your current homeowner’s policy doesn’t include disaster coverage.

    If you need help making sense of your homeowner’s policy, contact Damberger’s Insurance Agency today. Our local Mountain View insurance agents can analyze your current policy and determine whether you could save money on a different plan. Give us a call today at (866) 982-9181 to speak with an agent about homeowner’s insurance today.

    Spotlight on Vineyard Insurance

    Last updated 25 days ago

    Personal and commercial vineyards can be found all across Mountain View’s hilly landscapes. Unfortunately, the time, energy, and financial resources that go into the care and management of a vineyard could be wasted should a disaster destroy the crop or any equipment. Luckily, a vineyard insurance policy can protect you from certain financial ruin should a fire, flood, or other natural act destroy your property. In addition to protecting the crop itself, a good vineyard insurance policy will protect vehicles, computers, buildings, and any other equipment used for vineyard business.

    If you want to safeguard your vineyard, contact Damberger’s Insurance of Mountain View. Our courteous insurance agents can help you select the right vineyard insurance policy to protect your most valuable asset. You can reach Damberger’s Insurance by calling (866) 982-9181.

    Understanding Renters Insurance

    Last updated 1 month ago

    You might not own a home, but that doesn’t mean your belongings shouldn’t be protected against damage or theft. With renters insurance, you can get peace of mind and confidence that comes with knowing that your belongings (even your most prized possessions) can be replaced. Watch this short video clip to learn more about renters insurance and tips for finding the best coverage for your belongings.

    If you live in Mountain View, Damberger’s Insurance can help keep your things safe with a comprehensive and affordable renters insurance policy. Our local insurance agents will answer all of your questions and help you find the insurance policy that’s right for you. For additional information on our insurance policies, please visit our website or call us at (866) 982-9181.

    Essential Tips for Choosing the Best Insurance Company for You

    Last updated 1 month ago

    Insurance companies in the United States range from industry giants with millions of policy holders to small local insurance companies that sell only a few hundred policies each year. Once you’ve made the decision that you want to insure your home, your car, or your health, you need to do some research and find the best insurance company for your needs. Here are some tips for finding the right insurance policy from the right insurance provider in Mountain View.

    Check the Company’s Ratings

    The best way to check the financial health of an insurance company is to look at its “rating.” This isn’t so much a rating of the insurer’s customer service or product offerings but rather how likely it is to meets future obligations to its customers. Several private companies conduct financial analyses of insurance companies and their reports can typically be accessed online.

    Ask for References

    You are well within your right to ask an insurance company for references before signing up for a policy. Unless the insurance provider has good reason to withhold references, take it as a sign that there might not be too many customers who would speak highly of the company in question.

    Get an Insurance Quote

    Ratings and references are important, but so is the bottom line: How much will your insurance policy cost? When comparison shopping for an auto insurance or homeowner’s insurance policy, it is best to have quotes from multiple insurance companies in Mountain View to help you plan and budget accordingly.

    If you’re looking for local, personal service in Mountain View, contact Damberger’s Insurance Agency. We pride ourselves on our reputation for total commitment to our client’s needs. Whether you are in the market for auto insurance, homeowners insurance, or disaster insurance, Damberger’s Insurance Agency can help. Call us toll-free at (866) 982-9181 to speak with one of our courteous insurance agents.

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