Without questions, there are no answers!

Your auto insurance premium is determined by a combination of factors, (including but not limited to) your driving history, the level of coverage you select, the make and model of your vehicle, your location, and even your credit score. The specific details can vary between insurance companies, so it's essential we discuss your unique circumstances to get an accurate quote tailored to your needs.

Yes, once a teen has passed their driving test, they do need to be added to your insurance policy or your insurance carrier can deny the claim if the teen was found at fault in an accident. If an insurance agent tells you otherwise, ask to get it in writing. I promise, you won't get it! Let's connect to discuss this further.

If you lend your car to someone NOT listed on your policy and they have an accident, typically your auto insurance policy would be the primary coverage in most cases as long as the person borrowing the car meets the proper criteria. As the rules can be slightly different from carrier to carrier, the general rules will consist of things like, individual does NOT reside in your household, they are the name insured on their own insurance policy, have a valid drivers license, etc. However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle.

Discounts very from carrier to carrier. This is why it is beneficial to work with a broker like myself who can shop multiple carriers to help find the one that offers you the most discounts and best rate for the coverages you need.

No, being cited for not following the rules of the road is in itself its own consequence. It is possible that the party that was not cited actually be found at fault for the accident. As this is not common, it is a possibility based on the accident itself.

This doesn't happen over night, but an agent like myself can help you build what I call an insurance resume that when presented to a carrier when shopping for rates can and will help earn a lower rate being offered. Let's connect so we can discuss this in more detail.

The answer here is YES and NO. Many insurance carriers "bundled" discounts are based on the level of coverage you carry on your auto. Those who elect to carry low liability limits might only receive a small "bundled" discount and those carrying higher liability limits will receive a larger discount, which is more beneficial when looking at your over all cost.