 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!
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 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.
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  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.  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.  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.  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.  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  “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.
 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
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