TROUT INSURANCE SERVICES
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment's 5-Star Switch
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us

Trout Insurance Blog

10 Tips When Adding a Teenage Driver to Your Auto Insurance

6/25/2020

0 Comments

 
Picture
Below are 10 tips that can help you save money when you need to add your teenage driver to your insurance policy:

1. Compare Policies
Getting quotes from several different car insurance providers to see who had the best premiums and deals for your driving record and your teen’s newness is highly important and can save you money in the long run. 

2. Ask About Multi-Policy Discounts
There is a chance that insurance companies will give you a discount when you are bundling different policies with them. While you're shopping around, ask your agent for details regarding multi-policy discounts to save some money.

3. Safety Courses and Good Grades
There are two main perks for teen drivers that are often overlooked: safety courses and good grades. Many insurance companies will offer discounts for teenage drivers who have taken and passed  specific safety courses. Teens that make good grades (B average) usually can receive a student discount on insurance, this is due to the likelihood of “good grade” students getting involved in less accidents. 

4. Purchase a “Low Target” Car
Some types of cars are stolen more than others, when looking for a car for your teen you need to remember that these aren’t always the fanciest cars on the lot. These are the ones that are targeted by thieves because of the parts being so valuable. 

5. Buy an Older Car
Not only are older/used cars cost less to purchase, they also tend to carry cheaper insurance rates. Instead of buying your teen a brand new car right away, get an older/used car until they become more financially responsible and safer drivers. 

6. Get a Safe  Car
Like older cars, a safer car will get you a lower insurance rate. Look for different vehicles that have a high crash test rating or top line safety equipment.

7. Put Your Teenager on Your Policy
When you are searching around for different policies, check with your current insurance company first to see how much it would cost to simply add your teen to your adult policy instead of getting their own.

8. Increase the Insurance Deductibles
If you are wanting to reduce your premium cost, you can always manipulate your deductible any way you see fit. Usually raising your deductible will do the trick.

9. Educate Your Teen
Most people know and understand that the more accidents you have, the higher your insurance rates will go. However, making sure that you have these talks with your teens is important in making them safer drivers. Teaching your teenager that maintaining a good driving record correlates with low insurance rates is important in helping them stay mindful and teaches them to prepare for this responsibility in the future when they have to pay for their own car insurance.

10. College Discounts
If your teenager is going to or planning on going to college that is more than 100 miles away from home, they may be eligible for a college discount if they don’t have a car of their own on campus. Talk to your insurance company about the details to find out if or how you can qualify for this particular discount. 

To have your questions answered about adding your teen to your car insurance, contact a Trout Insurance agent today!

0 Comments

Five Questions to Ask Jessica About Auto Insurance

10/9/2019

0 Comments

 
Picture
 When making a decision on a car insurance policy, many look for the cheapest option. This can often leave you underinsured and overexposed to risks of the road. Being well informed can avoid these problems and make sure you receive adequate coverage at an affordable price. By asking Jessica these 5 questions, you can avoid all of these problems.  

  1. Is the insurance in compliance with your state's minimum requirements and what additional coverage options are available? 
  2.  “Risk rating” is important, so ask Jessica about whether you are receiving all the possible discounts you can get. 
  3. In the event of an accident, not all car insurances cover all the costs involved, be sure to ask what exactly your insurance covers in an accident. 
  4. In the event of an accident and someone is injured or dies, you may need help determine additional coverage benefits.  
  5. How much will you have to pay, out of pocket, if you are not the one who caused the accident? 

For more details on how to pick the best policy for choosing your car insurance, contact Jessica Cody and let her help you choose the best policy.
https://www.troutinsurance.com/jessica-cody.html

0 Comments

Why Is Car Insurance Important?

9/5/2019

0 Comments

 
Picture
As families gather for thanksgiving, the last thing anyone is thinking about is car insurance. This was the ordinary case for Clarke who had a thanksgiving celebration at her house. The house was full, with aunties and uncles from the North-east of the country coming down to visit and all of her sons who had returned from college just for the break. Clarke was a successful business woman and had a love for cars. She had many different types of cars, from sports cars to SUVs and often allowed her sons to drive them when they returned from college. On the night of thanksgiving when Clarkes sons had made a plan to meet up with their friends at night at a bar to hang out, they were reader ended while they were stationary at a stop light. 
Luckily Clarke had made a smart decision of keeping her kids on her insurance policy. Car insurance is very important especially when it comes to such scenarios. Car insurance helps because you pay now and save later, protect yourself and others, save time and hassle, and finally because it gives you peace of mind. 
To find out more reasons about why you should buy car insurance contact a Trout Insurance agent today and let them help you in finding the best car Insurance policy for you.

​

0 Comments

Insurance Basics

8/28/2019

0 Comments

 
Picture
For many, the term insurance is thrown around very often but not many people understand what exactly it is. The origins of insurance date back all the way to the Code of Hammurabi, a collection of Babylonian laws of 1700 BC, which provided the first credit insurance. But modern-day insurance dates back to 1666 with the Great fire of London which destroyed 13200 homes, which formed the birth of Nicolas Barbon’s office to insure buildings.  
Insurance is providing protection against financial loss in a number of situations. These situations include loss against one's property, life or health.  
Life insurance policies provide a certain amount of money when the insured person dies. Health Insurance pays all or covers most of one's medical care, whether it is hospitalization, surgery or a doctor's visit. Property Insurance is bought to protect individuals against financial loss on assets and has two major forms which are Home and Auto insurance.  
For more about any type of insurance, go to https://www.troutinsurance.com/ and get in touch with a Trout Insurance Agent today.  

​

0 Comments

Downsizing? You May Save on Your Homeowners Insurance

6/19/2019

0 Comments

 
Picture
Sally and John had been married for 40 years and had brought up 3 kids, 2 girls and one boy. They managed to put all of them through college and as their last-born daughter Julie finally graduated from college, their ever so large home looked very lonely. They often reminisced on the days when their children would play in the yard, get into fights and disturb their peace. Their oldest daughter Janet was married and was expecting her first child in a few weeks, their second born son James had moved to California with his girlfriend and found a very good job working in IT. Julie had made plans to move over to Texas to pursue her career in graphic design there, so Sally and John were left alone with a house filled with nothing but memories.  
They thought about downsizing, into a condo so that they could save on lower utility bills, a smaller mortgage payment and most importantly a lower homeowners insurance premium. They managed to save a lot of money on insurance, but John and Sally’s situation does not apply all the time, especially if you move into a high-priced neighborhood or the condo comes with luxurious furniture. 
To learn more about homeowner's insurance, call a Trout Insurance Agent today.

​

0 Comments

Does My Education Affect My Car Insurance Rate?

6/1/2019

0 Comments

 
Picture
John and Mike were a pair of friends who had known each other from High school and had finally got in contact after many years. They sat down for lunch one day and spoke about their adventures during high school and all their adventures after high school. Mike had gone on to work for his dad's construction company where he did not receive a formal education but was doing very well in life, whereas John was a college graduate who had graduated from UNC Chapel Hill with two degrees in Biology and Chemistry. Throughout their lives, both being 26 now, they had started to make a fair amount of money and they had coincidentally bought new cars. They both went to a local insurance agency to find out about rates they could get on their auto insurance, and to Mike's surprise, he was receiving significantly higher rates than John was when it came to auto insurance.  
Your education, or lack thereof, helps set your auto insurance rate. People with higher education get discounts on car insurance because they are said to be less likely to be involved an accident. To find out more, and what to do if you do not have a formal higher education, call a Trout Insurance agent today.  

​

0 Comments

Distracted driving Statistics

4/1/2019

0 Comments

 
Picture
It was a casual Sunday for Ashley, who was a single mother with 2 kids and one car. Ashley was middle aged and was an extremely hard worker at a communications company in Asheville. She often received phone calls on weekends and she never rejected any because she was so dedicated. On this Sunday she was driving back home from Walmart after doing her grocery shopping. Ashley received a phone call from a client and as she reached over to answer her phone her car swerved, and she hit a light pole.  
A recent study from the Virginia Tech Transportation Institute found that manual-visual tasks associated with hand-held devices, such as reaching for the phone or dialing, increased the risk of getting into a crash by three times. The study also reported that even hands-free devices involve manual-visual tasks at least half the time, which is associated with a greater crash risk. 
Contact one of our Trout Insurance agents and find out more about car insurance at

​

0 Comments

Prepare For Warmer Weather With These Home Maintenance Tips

3/21/2018

0 Comments

 
Picture
“No winter lasts forever; no spring skips its turn.”

Here are five things you can do to get yourself and your property all set for the season.

  1. Give your home’s exterior a check-up. This includes your roof, gutters, downspouts, and even your paint. Look for shingles that have come loose, or spots where any have blown away. You’ll want to get those fixed as soon as possible, before moisture starts getting in. Gutters and downspouts should be clear of debris, and if winter weather has worn your home’s paint down in spots, touch it up because exposed wood can lead to rot. Don’t forget your windows, either. Give them a good cleaning, and while you’re at it, make sure the screens are intact and the seals are still solid.
  2. Prepare for extreme weather. The maintenance tips above will help with that, but it’s important for you and your family to be as ready as your home. Make sure you have an emergency survival kit and a disaster plan so everyone knows what to do when something unexpected happens. Learn about what to do both before and after heavy rains, hail, flooding, and tornadoes whether you think you’re at risk or not.
  3. Get your outdoor appliances and tools ready. Now is the time to get your air conditioner serviced, so it’s operating perfectly when the weather heats up and you really need it. It’s a good idea to clean out the grill, too. Take care to check for cracked or leaky lines if you cook with gas. A little love now will go a long way in the coming months for yard tools like lawnmowers and hedge trimmers.
  4. Tackle you home’s interior — including the attic/ basement. Yes, spring is the time when everybody vows to clean out the junk and get organized. If that’s on your list, good for you. Kon-mari to a house of joy! At the very least, you should check on a few things inside, even if you aren’t tackling a deep clean. Look in the attic for any issues, such as moisture or signs of wildlife who got in to escape the winter cold. Clean up any droppings and seal up any openings. Around the rest of the house, see if you’ve got air leaks, which can drive up your energy bills. And don’t forget to change your smoke-detector batteries when the clocks spring forward!
  5. Do a home inventory. What if something happened and you lost everything? Would you remember everything you had? Spring is the perfect time to do a home inventory — while that doesn’t protect your stuff, it does make replacing your possessions a whole lot easier after a disaster, especially when you're insured. Take digital photos and store them online. Having a virtual record could one day be a huge asset to you.
0 Comments

Let's Stop Distracted Driving

2/1/2018

0 Comments

 
Picture
Distracted driving is a problem. You can be part of the solution by setting a good example for friends and family. Stop before you text. #EverySecondMatters
0 Comments

    Categories

    All
    Business Owners
    Community
    Health Insurance/ Marketplace
    Home & Auto
    Life Insurance
    Medicare
    Over 65

    RSS Feed

Trout Insurance Services

Monday-Friday
9:00am-5:00pm & by Appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

contact@troutinsurance.com
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
Picture
  • Insurance
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • Jessica Cody >
      • Home & Auto Insurance
    • Jeremy Sheridan
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Idelle Davids
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Aetna/CVS Health NC
    • Client Center
    • Reviews
    • Blog
    • Articles >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment's 5-Star Switch
    • Employer Networking w/ Just Economics
    • FALLing with Families
    • Medicare New Era Event October 13th
    • Blue Ridge Pride Festival
    • Health & Wellness Fair
    • Goombay & YMI
    • Alignment Health Plans
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Music on Main
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
  • Contact Us