One of the most common questions that car owners have is whether or not they should put their teenage son or daughter on their auto insurance plan. There are several things to keep in mind concerning your auto insurance plan and teenage drivers, so review the following factors before making your final decision.
• As a standard rule, as soon as your child gets their drivers license, you are required to insure them as an operator on your policy. You don’t necessarily need to let your insurer know when they get a learner’s permit, but as soon as they graduate to a full drivers license, it’s time to add them to your insurance.
• In general, any time you add a teenage driver to an insurance plan, your premium rates will probably go up. This is simply because new drivers are more likely to get into accidents than seasoned drivers.
• There are some things that teenagers can do to help reduce car insurance rates. For example, those with at least a B average in school are often given a good student discount. Furthermore, if your child has a clean driving record, this can lower premium rates as well.
Call Brandywine Insurance Group for More Information
If you’re a Chadds Ford, PA resident who has questions about adding your teen to your auto insurance plan or if you’re looking for a new auto insurance plan, please feel free to contact Brandywine Insurance Group.
We are proud to serve Chadds Ford, PA residents and would be happy to speak with you about your questions and concerns or show you auto insurance plans that could benefit you and your family. Stop into our nearest location today or give us a call at your earliest convenience. We look forward to hearing from you!
Road trips are a great summer tradition enjoyed by thousands across the country. If you’re taking your first road trip this summer, the following tips can help make it an awesome experience.
Choose a Good Vehicle
Before selecting a road trip vehicle, make sure it’s up for the task. Have a professional mechanic inspect your vehicle inside and out to include checking fluids, belts, brakes, steering, tires and any other aspect that may give you trouble. Get a clean bill of health from your mechanic before traveling.
Make a Plan
Make a tentative plan of where you want to go and how to get there. Decide ahead of time on how you want your trip to play out. Where do you want to stop? What do you want to see? Who do you want to meet along the way? Getting your fellow travelers’ input and agreement for whatever plan is made will minimize contentions on the road.
Learn from Experts
When making road trip plans, consult the experts who have gone before you. Check out tourist guides and websites for where you want to travel for points of interest, places to eat and stay as well as attractions to visit in that area. Once there, talk to locals to get greater insight into their hometown or district.
Although it’s good to have a plan, stay flexible to changes and opportunities that may arise during your travels. There’s much to be said about spontaneity and being able to “follow the moment.”
Update Auto Insurance Coverage
Make sure you have adequate auto insurance from Brandywine Insurance Group, Chadds Ford, PA, for your travels. Auto assist coverage, in particular, could come in handy in case of unexpected breakdowns. For more information about auto insurance options and costs, contact Brandywine Insurance Group, Chadds Ford, PA.
Gas can be extremely expensive, so saving even a few dollars could help. The Brandywine Insurance Group in Chadds Ford, PA can offer you a few smart tips that can help you get the most out of your money and increase your gas mileage.
Maintain Your Vehicle
By keeping your vehicle in good condition, you can save money on gas. Under inflated tires are dangerous and costly. It could lead to an unexpected blowout or flat. You should make sure that you check your tires regularly and keep them properly inflated. Many vehicles have TPMS (Tire Pressure Monitoring System). The indicator light will illuminate when your pressure is less than 25% of the recommended tire pressure.
Drive More Carefully
Speeding and rapid braking can cost you more gas than is necessary. You could save up to 40% in fuel costs if you slow down. According to the Department of Energy, you’re wasting gas when you travel more than 50 mph on the highway. You could save up to 10% if you change your driving habits. Another way to save is by using cruise control. Because cruise control helps you maintain a consistent speed, it could save you money.
Hauling Heavy Equipment
Whether you’re carrying a load on top or hauling a trailer, heavy loads can increase your fuel economy. The extra weight generates more energy that needs fuel. When you’re finished with your vacation or long road trip, remove the excess weight as soon as you can.
You can expect to get quality information and service from the Chadds Ford, PA insurance agents at Brandywine Insurance Group. Stop by to discuss options concerning a new auto policy or amending your current coverage. Besides auto insurance, Brandywine Insurance Group also specializes in home, life, motorcycle, renters, umbrella, commercial, and boat insurance.
Whether you own a vehicle that is 10 years old or one year old, it is imperative that you take care of it as best as possible. Not only will taking care of it help it to stay on the road longer, but taking care of its exterior will also help ensure it looks its best at all times. Here’s a few quick tips for taking care of your car.
Wash it at least once a week
Some people avoid washing their car for months on end, but truth is, you should be washing it at least once a week. Even if the weather isn’t bad outside causing your car to get muddy, washing your car at least once a week helps the paint to last longer. Fortunately, just a simple rinsing three times a month and a deep clean once a month can do the trick.
Wash with the right type of soap
If you are going to wash your car with soap and not just rinse it off, you should always make sure you are using the right type of soap to not make your paint fade. You will also need to make sure you are using the right type of cloth or sponge to wash your car with. And if you are going through an automatic car wash, make sure it has good reviews as some of them are well known for leaving scratch marks on cars.
If you would like to learn more about taking care of the paint on your car the right way, or to learn about getting proper insurance coverage on your car, please contact Brandywine Insurance Group serving the Chadds Ford, PA area.
Road rage. We’ve all experienced everywhere we have driven but it can even be a problem in a place like Chadds Ford, Pennsylvania. When this occurs it can be dangerous as it can lead to a fight or an accident, which will cause the insurance policy you took out with a company like Brandywine Insurance Group to skyrocket. However, as old saying goes it takes two to tango, so if you don’t experience road rage or can find some way to assuage it on the road, then it won’t be a problem for anyone. Below are some ways to best avoid road rage while driving.
MOVE OVER FOR TAILGATERS
People who tailgate are either bad drivers or need to get somewhere quickly. Either way, you should move over and let them pass and get where they are going so it doesn’t lead to an incident.
DON’T ENCOURAGE A FIGHT
If you end up beside someone who is driving badly and they are angry at you, just tell them you are sorry and diffuse the situation. Calling them names or using hand gestures that will incite a fight is not a good idea and could lead to a road rage incident.
DON’T BE A CRAZY HONKER
Honking your horn t show your frustration only tends to anger the person you are honking at and everyone around you. So try not to do it very often.
ENJOY YOURSELF ON THE ROAD
Part of what causes road rage is your own attitude at the end of the day so the better you feel while in your car, the less of a chance a road rage incident will occur. So listen to music you enjoy or download a funny podcast so you don’t really mind a small amount of extra time in your car.
If you are planning on driving abroad, there are various things you want to know. The last thing you want to do is book a rental car and not know about what to expect. A few tips can provide you with greater confidence upon arrival.
Depending upon where you are traveling, the road signs and the laws on the road may be considerably different. It is best to prepare for what you are going to see so that you don’t break any laws and so that you can drive safely.
You may need more than your state driver’s license in order to be legal on the roads. An International Driving Permit may be required, and the rental car company will tell you what you need. An IDP can easily be obtained from AAA and various other clubs for a small fee.
Some kind of insurance should be in place for when you are driving the rental car. You don’t want to be out of pocket for a car accident or any other damage that may occur to the car, even when it’s parked.
A GPS unit can be rented so that you don’t have to depend upon the GPS within your smart phone. Particularly when you are in another country, data roaming charges can add up quickly.
If you are going to be driving on the other side of the road, you may also want to familiarize yourself with this. If you are going to drive into any of the city centers, you may also want to depend upon public transportation because navigating the congested roads can be overwhelming.
Auto insurance is a must in Pennsylvania. Instead of doing everything solo, one of our independent agents can help you with coverage, rate comparisons, and more. Call now and one of our Brandywine Insurance Group agents can begin helping you.
Driving around Pennsylvania can be hectic. Accidents happen every day, and some of them are hit and runs. Whether you were responsible for hitting someone or someone hit you, it is important to have the necessary auto insurance in place that will provide you with coverage. Otherwise, you can find yourself spending a lot of your own money in order to make repairs and take care of medical bills.
The state requires you to have a certain level of auto insurance. There are additional levels of coverage that you can add above and beyond, and these can be affordable and advantageous. You will be able to choose what coverage you want as well as the limits.
To protect against hit and runs, you will want to explore such coverage as:
- Uninsured motorist
- Medical payments coverage
- Personal Injury Protection (PIP)
All of these can be added to your policy. How much it will cost will depend upon the insurance company that you ultimately choose to get your policy from. It will also depend upon what limits you have chosen for each form of coverage. The higher the limit, the more the insurance company will pay when you file a claim. The goal is always to minimize the amount of money that you could potentially spend out-of-pocket. It is better to pay a deductible and then have the insurance company pay for the rest.
The coverage can take care of repairing your vehicle and paying for medical bills for you and passengers who were in the car with you.
Call us at the Brandywine Insurance Group now to speak to one of our agents. We can talk to you about auto insurance in Chadds Ford, Pennsylvania and answer any questions you may have about coverage, hit and runs, and more.
When you are in Pennsylvania, you may want to go on a road trip periodically. It may be because you already have a destination in mind and don’t want to spend the money on airfare. You may also want to go on an adventure with family or friends.
Before you pack the car and get on the road, there are a few things you should know in order to stay more budget conscious for your road trip.
Figure out where you are going and how you are going to get there. You will want to know the general route you are going to take, including whether you are taking the most direct route or a scenic route. Allow for some time to stop at various attractions along the way.
Download an app to your smart phone to help you find out the most affordable gas prices along your trip. GasBuddy is a popular app and it will tell you which gas stations have the lowest prices.
Visit grocery stores instead of fast food restaurants. Can save a significant amount of money by packing a cooler for the back seat instead of going through all of the burger places.
Instead of staying overnight at hotels and motels, you may want to pack attend and visit some of the campsites around the country. It will make your trip more adventurous, and you can save a significant amount of money.
It is also a good idea to research what is going on throughout the state you’re traveling through. Especially during the summer months, there may be free festivals, fairs, and concerts, providing you with affordable entertainment.
At Brandywine Insurance Group, we are committed to helping you find affordable auto insurance. Contact us today and let one of our independent insurance agents find a policy that works for you in Chadds Ford.
At least some kind of auto insurance is required in the state of Pennsylvania. Failure to have minimum coverage can result in fines as well as suspension of your driving privileges.
In Pennsylvania the state determines the minimum level of coverage, which focuses on liability. You will need to have personal injury and property damage liability coverage of the minimum amount within your policy in Chadds Ford. You may also decide to increase the coverage beyond the minimum to provide additional protection.
This is the only form of insurance coverage that is required. However, you may also want to explore the optional coverage that can be obtained. This will allow you to have greater peace of mind while on the roads knowing that you have better coverage. If something were to happen, you could call the insurance company and file a claim instead of having to pay for repairs out of pocket.
Additional coverage includes:
– Uninsured motorist
– Underinsured motorist
These can be added to your policy and without spending a lot of money. It can be a small price to pay to know that you have the better coverage in place in case you are involved in an accident. Increasing the liability coverage may also be money well spent so you are not financially responsible for what is left after insurance has taken care of what happens in an accident.
As an example, if you have property damage liability coverage of $25,000 and your accident causes $30,000 worth of damage, the remaining $5,000 would be your responsibility.
When you call and talk to one of our independent agents, we can go over the auto insurance coverage that is required. We can then offer you suggestions of coverage based upon what commonly occurs in Chadds Ford. Call today and we will get quotes for you, too.