O’Donnell Agency LLC in New Jersey is here to help if you have questions about auto insurance, especially for teen drivers. Give us a call or stop by today.
Insurance coverage for teen drivers
Teen drivers can be more likely to be involved in fender benders and minor mishaps as they perfect their driving skills. When there are a lot of small claims against a driver, it can increase the premiums for everyone on the policy. This is one reason why some families opt to put the teen drivers in their families on their own separate policies.
However, when a teenage driver holds on to an impeccable driving record, there may not be any reason to have them on their own policy. Some parents look to car insurance as the first major financial responsibility for their children. This can mean that they have to pay for their own policies, or that they contribute to the payment of the family policy.
Keeping your teenage driver protected is the goal. The outcome of this goal may look different in different families as every situation is unique. Whichever way you decide to go, a family policy for everyone, or separate policies for teenagers, keeping your family safe is the desired outcome.
There are many auto insurance policies that can help families with their auto coverage. Find out more today about the options available in our area.
Call us for all of your insurance needs
New Jersey residents can rely on the O’Donnell Agency LLC for all of their insurance needs. If you have questions about the right coverage for your teen driver, we are here to help. Contact our office today and set up an appointment to find out more!
If you live in the state of New Jersey, you will quickly find that there are a lot of great professional and recreational activities in the area. To ensure that you are able to enjoy them all, getting your own car is a good idea. Along with buying a car, you also need to choose a good insurance plan. There is a lot of value that comes with an auto insurance plan that makes it a good investment.
Protect Your Car
An important reason to get auto coverage for your vehicle is so you can protect your car. When you are going to buy a car, you will want to have access to it for a long time. If your car is stolen or in an accident, you may no longer be able to drive it until it is repaired or replaced. Your full insurance plan will give the support needed to ensure you are able to do this.
Liability Risk Mitigation
You also will enjoy an auto coverage plan to receive liability support. There is always a chance that you will cause an accident when driving. As you will need to cover damages, getting the right insurance for it is important. With auto coverage, you will get the liability support that you need to offset this concern and risk.
Anyone that is in New Jersey and needs to get a car also needs to get an auto insurance plan. As you are assessing various options for coverage, speaking with O’Donnell Agency LLC can be helpful. There are many choices to make when it comes to this coverage and O’Donnell Agency LLC can help you build an ideal plan. This can help ensure you remain appropriately covered and protected moving forward.
With more than 6 million licensed drivers, chances are you will have plenty of company on the roads in New Jersey. More drivers mean more risks and more chances of an accident. Making sure you have the coverage you need is vital to your financial security. Having an independent agent you trust makes all the difference. In New Jersey, O’Donnell Agency LLC has an experienced team who is here to help make sure you get the right policy at the best rate. Our agency is locally owned and operated, and we have the experience you need.
Families have changed a lot in recent times. In the past, most children were eager to get out of the parental home and launch their own lives. That was in the days when there was some possibility that an adult child would earn enough money to be able to afford a place of their own. As the price of apartments and homes has risen, it has become harder for adult children to afford a place of their own.
Auto insurance is designed to cover the owners of a vehicle and others who live in their homes. One exception to this rule is college students. Most insurance companies will allow an adult child who lives on campus for most of the year to remain on their parent’s auto policy as long as their main permanent resident is still the family home. What has been happening increasingly is that once college is over, adult children move back home and stay there. This does allow them to remain on their parent’s auto insurance policy. But once the children have moved to another location and settled there, they need to get their own auto policy.
Contact O’Donnell Agency LLC in New Jersey with any of your auto insurance questions or needs.
Every driver goes through the process of buying auto insurance. At New Jersey’s O’Donnell Agency LLC, we don’t want you to wonder what all the options to add coverage mean since most states only require bodily injury and liability. The main policy components include comprehensive, collision, liability, and bodily injury to obtain full coverage.
The liability portion of your auto policy protects the other drivers, as does the bodily injury coverage. Each state requires those two types of coverage, so any accident you cause, you can pay for the damage caused by your negligence.
Of course, your vehicle and perhaps yourself incurred damage in the accident, too. The state minimums don’t cover that. Collision and comprehensive cover the damage you incur on your own vehicle, while personal injury protection covers your medical costs and that of any passengers. Collision covers just what it sounds like. If you collide with any vehicle, you use your collision insurance to repair your vehicle if you caused the accident or collided with a stationary object. Fences don’t typically carry insurance policies.
Comprehensive covers the damage of other types of accidents that have no other vehicle involved. Weather damages autos frequently. Hail, flood, fire, etc. all cause damage covered under comprehensive. When you hit a deer with the auto, the deer probably had no insurance. Your insurance covers the damage.
PIP pays your medical bills and those of your passengers. For any accident you caused, PIP pays the medical costs of those in your car. Auto insurance is simple. When they suggest collision and comprehensive, your agent wants to help you protect your vehicle and health.
Contact the O’Donnell Agency LLC, serving the state of New Jersey, to learn more about full coverage auto insurance. Let us help you protect your vehicle.