Here's an idea: Make your teen memorize these! My dad was a drivers ed teacher (among other things) so I grew up on this stuff. My time years ago as a news photographer who often took pictures for the police and coroner makes the consequences of violating these rules very real to me.
I just moved a young couple's home and auto coverage from one great company to another. Nothing wrong with their old company – which gets great marks for customer service – except that they were paying way too much and had too little coverage. Their old package premium was $3095 a year with a combined home and auto liability total of $900,000. The new package premium? $1988 with combined home and auto liability of $2,800,000. And about $50,000 more coverage on their house.
Can we save $1100 for everyone? No. Can we usually save you money and increase your coverage? Yes.
How do we do it? Effort and good companies. And a desire to do what's best for the customer. Some agents won't sell you the less-expensive policy because it makes them less money. We want long-term customers, not short-term "success."
I just asked a customer "Why did they let you pay too much for too long?" I have some theories: Too many customers to take care of, inattention, laziness, profit motive.... You know in insurance the profit motive really ought to encourage an agent to take the long view. We try to do that. And I never tire of reminding people that the only thing worse than paying too much for insurance is not having the right coverage. What's the right coverage in today's dangerous, sue-happy world -- as much as you can afford!
If you had 10 minutes to evacuate your house, would it be a success or a fiasco? Very important to think about -- especially in our area where weather, wildfires, nuclear accidents, dams, and gas wells all have the potential of necessitating just such an evacuation. Watch the video!
"Drivers who actively see their traffic environments - as opposed to those who passively look at them - view their surroundings with a conscious purpose and plan. They know where they're focusing, what they're focusing on, and why.
They use visual search techniques that keeps their eyes in almost constant motion - on the lookout for potential hazards. While they are ready to respond to anything in their field of view, their main purpose is to seek out and identify possibly dangerous conditions around them."
It may remind of you of "defensive driving" but active seeing is a technique that can really make you a safer driver. Read more.
Owner/agent Brad Isbell is a strange person -- he actually likes to talk and blog about insurance, safety, and saving money.