TRAFFIC VIOLATIONS AND PREMIUM COST

Individuals seeking vehicle insurance coverage with numerous traffic violation (not parking tickets!), at-fault accidents, driving while intoxicated, etc. will find it difficult and costly to obtain adequate insurance coverage.

Most states maintain such records for at least three years, and even up to five years.

Check with your state vehicle licensing facility to ensure that the information on your driving record is accurate.

If your rate does rise, check for competitive pricing with alternative insurance companies.

If you receive a “cancellation” notice or a “refuse to renew” notice, take action immediately to ensure you have adequate vehicle insurance coverage by calling your insurance agent.     

Contact your favorite insurance agent (Ryan Edgington, Burton Heginger, Andrea Shearer, or Tessa Everman) at the Triplett Companies (515/232-5240) to obtain more information and several price quotes if you find yourself in this situation. 

Teenage Drivers

Adding a teenage driver to a family vehicle insurance policy will often increase the insurance premium by over 30 per cent.

It is usually less costly to keep the teenage drive on the family vehicle insurance policy. 

Additionally, avoiding a ratio of the same number of vehicles and drivers often helps to offset the cost of teenage drivers.

To offset the increase in the insurance premium, ask about multi-car discounts, multi-policy discounts, good student discounts, teenage driver education credit discounts, etc.     

The best way to ensure you obtain the least costly insurance policy with adequate coverage is to contact your insurance agent.

Why not contact your favorite insurance agent (Ryan Edgington, Burton Heginger, Andrea Shearer, or Tessa Everman) at the Triplett Companies (515/232-5240) to help ensure you have adequate coverage for your teenage drivers at the best price?  Call or e-mail today.