Tag: auto insurance

3 things to remember when insuring your teen as a new driver

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Many teens consider getting their first driver’s license a significant milestone. However, this event can cause concern for their parents, primarily because of the increased insurance premiums associated with a new teen driver.

Parents in California and the surrounding states should take a few minutes to familiarize themselves with the implications of adding a teen to their policy. Considering these three points may be beneficial.

#1: Consult a Knowledgeable Agent

One of the most important things for parents to do is speak to an insurance agent familiar with teen drivers and how they can impact coverage. Take the time to learn what coverage is required and understand how deductibles and premiums interact.

#2: Explore Possible Discounts

It’s sometimes possible to receive discounts. These can involve multi-car or multi-policy discounts. Others might also be possible, such as those for good grades, driver’s education, and safe driving. Speaking to the insurance agent is beneficial in determining what you qualify for.

#3: Ensure the Teen Drives a Safe Car

The type of car the teen is driving can impact the premium. Vehicles with higher safety ratings and lower repair costs may result in a better quote. Safety should always be the first priority, so teaching teens to drive defensively is also a good idea.

The team at Avail Insurance Solutions LLC is ready to help California, Oregon, Nevada, and Arizona residents find the insurance policy that enables them to add their teen with the coverage they need.

Does Auto Insurance Remain Valid in Out of State Moves?

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Avail Insurance Solutions LLC offers auto insurance solutions for residents of California, Oregon, Nevada, and Arizona. However, moving from one state to another requires purchasing a new auto insurance policy suitable for your state of residency. This is because each state in the U.S. sets its auto insurance requirements.

Deadlines for Policy Replacement

Every state has different minimum requirements for auto insurance, so a policy from Arizona, for instance, wouldn’t meet California’s or Nevada’s requirements. Each state defines a time limit for purchasing a replacement policy. It would be best if you generally had the new policy by the time you register your vehicle in your new place of residence. Here are the deadlines for new vehicle registration and driver’s license updates:

  • Arizona – 10 days
  • California – 20 days for registration, 10 days for driver’s license
  • Nevada – 30 days
  • Oregon – 30 days.

As every state mandates proof of insurance for vehicle registrations and driver’s license updates, you need your new auto insurance policy before performing either task.

Difference in Insurance Policies Across States

Whichever state you move to, you need to update your auto insurance to meet its minimum coverage requirements. In the insurance industry, these are expressed as bodily injury per person per accident/bodily injury to all parties per accident/property damage:

  • Arizona – 25/50/15
  • California – 15/30/5
  • Nevada – 25/50/20
  • Oregon – 25/50/20.

Additionally, Oregon drivers must carry uninsured motorist coverage and personal injury protection (PIP) coverage of $15,000.

Get in Touch with Us Today

Ensure you carry the appropriate insurance for your state. Contact Avail Insurance Solutions LLC today to update your auto insurance needs and requirements.