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    How to Get Auto Insurance for Your Teen

    Last updated 18 days ago

    Many insurance agencies view teenage drivers as more of a liability than their more experienced adult counterparts. While teenagers’ lack of experience makes insuring them a greater gamble than insuring an adult with a long, clean driving record, concerns about reckless tendencies can be overblown and teenage drivers deserve a shot at affordable, comprehensive auto insurance like anyone. Here is how you can get an affordable auto insurance policy for your teen.

    Use Those Good Grades

    If your child is a model student, he or she may qualify for a considerable discount off the normally high insurance rates that young drivers have to pay. A high grade point average and stellar record of attendance gives many insurance companies reasons to believe that a young driver is more likely to follow the rules and drive cautiously than many of his or her peers. Enrolling your teenager in a comprehensive driver’s education course can also cut down on his monthly premium, an investment that can pay for itself rather quickly.

    Consider Raising Your Deductible

    No driver wants to raise her deductible. But if you have faith in your own driving abilities, as well as in those of your teenager, raising your deductible can help your teen qualify for a lower premium and may end up saving you money. If you are shocked by the insurance premium quotes you get for your child, this is an option that is definitely worth looking into.

    Invest in a Safe, Affordable First Vehicle

    No matter how badly your teen is longing for a brand new sports car, it probably is not the best first car for him. Economical vehicles with high safety ratings tend to help drivers qualify for lower auto insurance premiums and deductibles. Saving for such a car is something your teenager will be able to do more quickly. If his or her first car is to be a gift, it will be easier on your finances. You may also have more peace of mind knowing that your child is sitting behind the wheel of a trusty used car rather than a shiny, new sports car.

    No matter what route you take when choosing insurance for your teenager, be sure to encourage safe driving in every way you can. At Damberger’s Insurance Agency in Mountain View, we will work with you to help you insure your teen driver at a fair and affordable rate. To speak with one of our auto insurance agents about your options, call (650) 318-6291.

    A Vineyard Owner's Guide to Insurance

    Last updated 28 days ago

    Owning a vineyard gives the wine lover a chance to pursue a passion and, if things run smoothly, make some good money on the fruits of her labor. With the health of crops in large part dependent on Mother Nature’s whims, vineyard ownership can seem like a gamble. For most vineyard owners in Northern California, electing to take out a crop insurance policy is a no-brainer. Deciding what type of vineyard insurance policy to dish out for is where it gets tricky. Here is a look at your options.

    Catastrophic Crop Coverage

    The cheapest and most basic type of crop insurance coverage, catastrophic crop insurance partially protects vineyard owners against major disasters. Unfortunately, the bare-bones structure of catastrophic insurance and its low average cost means that payouts tend to be lower. Most policyholders are fortunate if they recover 50% of their losses under a catastrophic insurance plan. This type of coverage is generally only taken out by risk-seeking vineyard owners and amateurs who are just getting started in the agricultural business.

    County Average Grape Prices

    If your grapes have been fetching prices that are pretty near to the county average, vineyard insurance that is based on county averages may be your best bet. Under this type of plan, your grapes will be valued at the prevailing county market price for their type, and you will be compensated for your losses accordingly.

    Comprehensive Insurance Based on Contract Price

    The best option from a loss-recuperation standpoint, comprehensive crop coverage based on a vineyard owner’s contract price is ideal for successful producers of upmarket vintages. If your grapes sell at a price that is considerably higher than the county average, this type of plan can help you recover up to 85% of your losses in a bad year.

    If you are intent on purchasing a vineyard and want to make your venture as secure as possible, work with a reputable insurance agent. A proud provider of vineyard insurance in Mendocino, Napa, Sonoma, and the Mountain View area, Damberger’s Insurance Agency is always on the vineyard owner’s side. To speak with us about your options and take the steps to protect your investment, call (650) 318-6291. You can also visit our website to learn more about our insurance policies. 

    Why Liability Coverage is Important

    Last updated 1 month ago

    In the event that someone is injured on your property, will you have enough money to cover the resulting lawsuit? Most homeowners don’t, which is why homeowners insurance policies typically include some amount of liability coverage in the event of a lawsuit. Should someone slip and fall or receive a dog bite on your property, liability coverage protects you up to the total amount of coverage, thus saving you the costs of attorney fees and damages. 

    If you aren’t sure if your current homeowners’ insurance policy has enough liability coverage, or if you think you are paying too much for homeowners insurance, contact Damberger’s Insurance Agency. Our local Mountain View insurance agents can analyze your current insurance policy and recommend one of our competitive coverage plans. We are committed to helping you save money on your insurance policies without compromising your peace of mind.

    How Deductibles Work for Leased Cars

    Last updated 1 month ago

    Most people know how deductibles work. Essentially, the deductible is the amount that you are on the hook for in the event that your car is involved in an accident. So, for example, if you have a $500 deductible, you will be required to pay the first $500, and your insurance company will pay anything over this threshold. For leased vehicles, the leasing company often imposes restrictions on what type of deductible you have. To learn more about deductibles for leased cars, watch this short video clip. 

    If you’re sick of paying too much for your auto insurance, let the highly trained agents here at Damberger’s Insurance Agency of Mountain View, CA help you find the most comprehensive auto coverage at the most affordable rates. We also offer motorcycle, boat, and RV insurance. Visit our website or call us at (866) 982-9181 to speak with one of our local insurance agents. 

    Disaster Insurance 101

    Last updated 1 month ago

    Here in California, the standard homeowners’ insurance policy does not provide coverage for physical or personal damages caused by an earthquake or flooding. There are some cases in which residential insurance will cover damage resulting from broken pipes, explosions, vandalism, and theft, but only if these issues resulted directly from an earthquake. Even then, it can be hard to prove that the damages were directly caused by the earthquake, which can slow down the delivery of funds you desperately need. To be totally covered in the event of a natural disaster, consider taking out a disaster insurance policy.

    Coverage Provided by Earthquake Insurance

    According to the California Department of Insurance, earthquake insurance must provide coverage for a homeowner’s dwelling, personal property over $5,000, and any additional living expenses of at least $1,500. Additional coverage may include temporary housing costs, relocation and storage expenses, furniture rentals, and even laundry services. The National Association of Insurance Commissioners (NAIC) recommends buying earthquake insurance from a reputable company that’s financially sound.

    Coverage Provided by Flood Insurance

    Insurance agents in Mountain View strongly advise taking out a flood insurance policy to protect your home and your possessions from the devastating effects of a flood. Even if your home has never experienced a devastating flood, and even if you don’t live in a “flood area,” a single torrential storm is all it takes to cause nearby water sources to overflow. If you are willing to take on a higher deductible, you can significantly lower your flood insurance premium fee. Just make sure you don’t agree to a deductible that is above your financial threshold.

    The unexpected happens every day, and it could only be a matter of time before the unthinkable happens to you. Damberger’s Insurance Agency can help you prepare for the worse. In addition to our auto and homeowners insurance policies, we offer a range of disaster insurance products, including earthquake and flood insurance. Call one of our local Mountain View insurance agents today at (866) 982-9181 to get started. 

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