We Specialize in Teenage Driver Insurance
Adding a teenage driver is possibly the largest price change made to an auto insurance policy. We receive many fearful calls from parents asking “How much does it cost to add my teenage driver?” Every customer adding a young driver is re-quoted with all our carriers because we know something most consumers do not: Teenage driver insurance rates vary drastically company to company. Some companies charge two or three times the rate as others for the same youthful operator. The only way to find out where your teen fits best is pricing with as many “A” rated companies as possible. Call 630.947.7980 or email anthony@trunnellinsurance.com and we’ll give you 10+ insurance rates and tailored advice for your situation. It’s always cheaper to add teenage drivers to your family policy versus a standalone policy. Here’s why: They’ll share savings you get for things like owning a home, credit history, being married and (potentially) multiple vehicles in the household. Many times they can be rated as occasional instead of a primary operator. Insurance companies rate standalone teen policies higher because most teens aren’t covered standalone unless there’s a problem with driving record or behavior. You’ll be liable for any damage caused by a driver under 18 regardless if standalone. Reasonable rates begin to appear in the low 20’s due to 5+ years driving experience and maturity. If possible, wait and put them on their own then. Policy Change Precautions: Review liability limits to confirm there is enough to protect your assets (home, savings, income, etc) Consider purchasing a Personal Liability Umbrella Policy to cover excessive litigation Add Accident Forgiveness to the policy to control potential spikes in premium due to a youthful operators higher probability of accident (1 in 5 16 year olds are involved in an accident during their first year of driving) Check your state insurance laws to make sure your young driver doesn’t break a youthful driver restriction unknowingly (curfew, too many passengers in vehicle, etc) Rules for Illinois: https://www.cyberdriveillinois.com/departments/drivers/teen_driver_safety/gdl.html Teenage Insurance Myths “Insurance follows the car, not the driver, so young drivers don’t need to be listed on the policy” This is a popular myth perpetuated by many parents and even some agents!! In fact, coverage does follow the vehicle, but only if all regular operators are listed on the policy. It covers a friend or family member not living at home who drives it non-routinely and short-term. Auto insurance policies specifically state in the coverage section that all regular operators must be listed for coverage to apply. If an insurance company finds out the driver causing an accident is a daily or weekly operator it is fully within its right to deny a claim and cancel a policy. The policyholder would then be responsible for all damages. This could lead to bankruptcy and financial ruin if the accident caused massive damage or death. An agent will only repeat this myth because they don’t want to lose your policies. It’s not worth the risk. Young drivers are much more likely to cause an accident. There are other ways to keep the cost down. For questions or more information and a free quote, give us a call (630) 947-7980
Understanding the Value of Auto Insurance Naperville
Auto insurance is as important as owning a car. For one, the law mandates vehicle owners to have an auto insurance policy. Car rental companies and vehicle owners as well as drivers are bound to follow the law or else they get fined. If you are caught driving without auto insurance Naperville, expect your car to be impounded while your driver’s license will get suspended. What are Consequences of Not Having Auto Insurance Naperville Apart from the suspension of your driver’s license, you will be declared as a high-risk driver. Maintaining a good reputation as a driver is essential in order for you to enjoy many benefits. Without auto insurance Naperville means, you will be denied of a low premium policy or you will be blocked for a lifetime. Here are some benefits that you will never enjoy if you are caught driving an uninsured vehicle. You will be liable for medical expenses and other costs that caused a person’s death and injury if you are at fault. You are prohibited from suing a driver who is at fault and denied your rights to get compensation for injury, death and damage to your car. You will be denied of your rights to claim for lost income and other compensation pertaining to car damage, injury and death. Where to Shop for Auto Insurance Naperville Vehicle ownership entails a huge responsibility and failure to have auto insurance is a stupid act. At first, you are aware of the consequences of driving an uninsured vehicle. The easiest way to unburden you from liabilities and litigation is to shop for auto insurance Naperville. Here are ways where to shop for auto insurance. Find an insurance agent/broker. Find a direct writer. Brokers and agents have different functions. Brokers are selling insurance for various insurance companies while insurance agents are selling on behalf of a particular insurance company. If you are in doubt about their credibility, you can inquire directly from the insurance company (direct writers) online. You can look for referrals or ask your friends who have benefited from auto insurance in Naperville. For additional information, call us now (630) 947-7980 and let us see how we can help you.
Why Car Owners Must Buy Auto Insurance in Naperville
Cars are investments that need to be taken care of as they connect you to your kids’ school, your office and in running errands. You must be aware that like your home, your car cannot escape from wear and tear, and accidents that may affect your budget. Coming up with the harsh reality, purchasing auto insurance Naperville should be your priority after getting your dream car. Wide Range of Auto Insurance Naperville Coverage The purpose of buying a car is convenience and accessibility. But what will happen if one day your car crashed and it is beyond recognition while you are financially unprepared? This is where you realize the importance of shopping for auto insurance. Having insurance for your car is a security that is equally important as your other insurances. Learn the benefits and features from auto insurance Naperville. Renewable package-What makes auto insurance interesting is you can renew the contract for as long as you are physically able and have completed the requirements. Don’t worry about traffic violations or convictions as they don’t matter during renewal. Payment guaranteed-Your insurance guarantees you payment of up to more than $2000 to sustain your daily expenses including household chores and transportation while recuperating after a car accident. Replacement of Damaged Car-Supposed you have a newly bought car incurred a big damage; your car insurer will replace it with the same brand and model. After the accident, the insurance firm will assess the mileage of your car and if it does not go beyond its limit, you will have a new car with no extra fee for depreciation. Repair of Car for a Lifetime-Your insurance assures you of lifetime car repair. Most insurance firms are connected with car repair shops that will assist to your needs during emergencies. Reaching Your Claims from Auto Insurance Naperville Auto insurance Naperville operates 24 hours to provide fast claim reporting services in case you are stranded on the road or need immediate medical attention. All you have to do is to call our hotline and our prompt customer service representative will answer your queries. Enjoy various car insurance protections from us at affordable costs. Call us today (630) 701-1947!
Commercial Auto Insurance Naperville Protecting Your Investment
Commercial auto owners should realize the value of having insurance even if they do not actually drive their vehicles for their business. As a conscientious vehicle owner, you are bound by law to protect the lives and properties during an accident. This means that you have to pay for whatever damages and lives that are lost when your commercial vehicle meet an auto accident. Commercial auto insurance Naperville covers not only a third party but you and your employee who drives the vehicle. Commercial Auto Insurance Naperville Wide Coverage How would you feel if your service vehicle or a refrigerated van crashed and injured another person? As a humane act, you are bound to save the victim’s life or pay the damages to whatever property your commercial auto has damaged. It is a natural instinct to send the victim to the nearest hospital, but wait; do you have enough cash to shoulder the medical cost? What about the damaged vehicle, do you have cash-on-hand to pay the repair the damaged fence? If your answer is none, you are most likely to suffer from financial burden, not unless you have commercial auto insurance Naperville. Having insurance for your commercial vehicle means that your insurer will pay the following costs: Legal costs Medical and Hospitalization Vehicle Repair Roadside/Towing Assistance Funeral Costs Comprehensive Coverage Motorist Coverage Collision Coverage Uninsured/Underinsured Coverage Who Can Get a Commercial Auto Insurance Naperville Commercial auto insurance assures business owners of coverage that would free them from financial woes when their commercial auto driven by their employees or by themselves encounters an auto accident. It covers all types of commercial vehicles ranging from delivery trucks to shuttle bus. It is important that company drivers should talk to their employer to get them covered. It is best to be prepared to avoid the repercussions if there is no commercial auto insurance Naperville for their protection. You may ask your employer the type of your coverage and its duration. Consider having commercial auto insurance. Call us today (630) 947-7980 and learn how you can avail of its benefits.
What’s the Big Deal with Auto Insurance Quote Naperville
People are asking what the heck auto insurance is and do they really need it? If you are among those people who are in doubt as to the benefits of auto insurance, stop and take a few minutes of your time by reading this article. After reading, you will be grateful to this writer for giving you information regarding the importance of auto insurance quote Naperville. What do Policyholders Say about Auto Insurance Quote Naperville Naperville is a suburb in Illinois that provides a lot of commuter trains and bus to travelers throughout the day. However, due to the increasing influx of passengers, residents and business owners prefer to use their car for fast travel without minding the traffic congestion every day. There seems to be an increase in road accidents in Naperville as car ownership increases. Car owners are now aware of the importance of having auto insurance quote Naperville and they are happy to invest their money for a better future, which can be summed up into the following: Your car is protected. When applying for car financing, having auto insurance means easy access to lenders as the latter require borrowers to submit an insurance policy for their cars which include collision, liability and comprehensive coverage. You and your riders are protected. Accidents can occur in a split second. Auto insurance will answer all medical expenses for injured passengers and motorists. Properties are protected. Damaged properties during an accident are all paid by your insurance coverage which frees your mind from worries. Learn More about Auto Insurance Quote Naperville Buying auto insurance is an investment that you will truly be thankful for throughout the rest of your life. Problems may arise after an accident which prevents you from enjoying your money if you do not have auto insurance quote Naperville. Injuring a person or damaging somebody’s property may deplete your financial resources if you have no one to turn to. It is time to enroll for auto insurance in Naperville. Ask for your free auto insurance quote. Call now (630) 701-1947