Teen Drivers and Auto Insurance: Tips for Parents

Adding A Teenager To Your Car Insurance

A New Road Of Opportunities

Teenagers reaching driving age is a major milestone, but insuring a teenage driver can also bring about significant changes to your auto insurance policy. Adding a teenager to your car insurance can be expensive due to their limited experience and higher risk factors. However, there are ways to make this transition smoother and more affordable. Let’s explore valuable insights and strategies to help you navigate the world of auto insurance for teen drivers and don’t forget to reach out to an agent at Ashley Insurance when you’re ready to make a move.

1. Understand the Factors Affecting Teen Auto Insurance

  • Discuss the risk factors associated with insuring a teenage driver, including their limited experience and higher accident rates.
  • Explain how these factors influence insurance premiums.

2. Consider Your Policy Options

  • Explore policy options like adding your teen to your existing policy or purchasing a separate one.
  • Discuss the pros and cons of each approach.

3. Take Advantage of Discounts

  • Seek out common discounts available for insuring a teenage driver, such as good student discounts and driver’s education discounts.
  • Explain how these discounts can help reduce insurance costs.

4. Encourage Safe Driving Habits

  • Offer tips on promoting safe driving habits among your teen, including the importance of obeying traffic laws and avoiding distractions.

5. Choose the Right Vehicle

  • Explain how the type of vehicle your teen drives can impact insurance rates.
  • Offer guidance on selecting a safe and budget-friendly car.

6. Comparison Shopping

  • Emphasize the importance of shopping around for the best insurance rates.
  • Provide advice on how to effectively compare insurance quotes.

7. Set Clear Expectations:

  • Discuss the importance of setting clear rules and expectations for your teen driver.
  • Explain how adherence to these rules can positively affect insurance rates.

8. Monitor and Adjust

  • Stress the need to regularly monitor your teen’s driving habits and adjust your policy as needed.
  • Share insights on how your teen’s driving record can impact future insurance rates.
Insuring A Teenage Driver

Be Ahead of the Curve

As the parent of a teen driver, managing auto insurance costs from insuring a teenage driver can be challenging, but it’s not impossible. By understanding the factors influencing insurance premiums, exploring your policy options, and encouraging safe driving habits, you can navigate the road to affordable auto insurance for your teen. Additionally, taking advantage of discounts, choosing the right vehicle, and practicing vigilant monitoring will help you keep both your young driver and your budget on the right track. Contact our trusted team at Ashley Insurance to learn more!

Ready to add your teen to your auto insurance? Get a no-obligation quote today!

Do I need commercial insurance for my Easton, MD home office?

Even if you already have renters or homeowners insurance, you probably need commercial insurance for your Easton, MD home business. If your business is involved in an incident that could potentially involve a legal claim, your personal insurance will not cover it. Ashley Insurance can help explain your options to ensure you have the protection you need.

Questions To Ask Yourself

Here are some questions you can ask yourself to decide whether you need personal insurance and what kind:

  • Do clients visit your home as part of your business activities?
  • Do you keep your work materials and equipment, including your laptop, in your home?
  • Do you employ others to assist with your business?
  • Would unrelated damage to your home, such as a fire, interrupt your business?

If you say yes to any of these questions, you face risks you could protect with the proper coverage.

Different Kinds Of Commercial Insurance For Your Home Business

There are several different kinds of insurance you may want to consider. The most common insurance, and one that almost everyone needs, is general liability insurance. This protects you from damages and injuries to third parties. Even if you use your personal vehicle for work, you should have auto insurance, as your personal policy will not pay for work-related claims.

If you have a home office, your business may be based on offering professional services. Professional liability insurance, or errors and omissions (E & O) insurance, will protect you if you make a mistake due to negligence. Worker’s compensation insurance is usually required by law if you have employees for your Easton, MD home office.

These aren’t the only kinds of protection you get. Please feel free to call Ashley Insurance so we can help you assess your risks.

My car is ten years old. Is full coverage auto insurance a wise investment?

Maryland’s drivers are legally required to carry auto liability insurance. However, some circumstances may require a driver to carry more than liability insurance. It can be challenging to determine how much auto insurance you truly need. Our Ashley Insurance team understands that navigating auto insurance can be confusing for many Easton, MD drivers. As a result, we’re here to help. 

What are the benefits of Auto Insurance?

In a nutshell, auto insurance can protect you financially and legally if you cause damage to someone else’s vehicle or property. It also covers the other driver’s medical expenses in case of an accident where you are at fault. Additionally, you can buy insurance that will pay for the repair or replacement of your own vehicle and your personal injuries. However, liability insurance is the only type of insurance that most states require drivers to have, but if you have an auto loan, you may need more coverage.

My car is ten years old. Is full coverage auto insurance a wise investment?

No. The value of your car continuously depreciates as time passes, and you increase your car’s mileage. As a result, a vehicle that’s a decade or more old is usually not a wise investment for full coverage insurance because the insurance cost usually exceeds the car’s appraised value after an accident. If you have questions regarding how much auto insurance you need, call us. We’d be happy to help.

The Benefits of Bundling Home and Auto Insurance

Also known as multi-policy or multi-line insurance, bundling home and auto insurance is when you purchase your home and auto insurance policies under the same provider. At Ashley Insurance, we strive to supply our customers with the best policies for their budget and lifestyle. Discover the benefits of combining your home and auto insurance with our team!

Why Bundle Home and Auto Insurance?

There are many benefits of bundling home and auto insurance. Here are just a few of the perks to the approach:

  1. Cost Savings/Multi-Policy Discounts – One of the primary benefits of bundling home and auto  insurance is the potential for you to save money. Insurance companies often offer various discounts to customers who bundle their policies. These discounts can vary but are generally substantial and can result in significant cost savings over time.
  2. Simplified Management – Managing your insurance becomes more convenient when you bundle policies. Instead of dealing with multiple insurance providers, policies, and billing cycles, you’ll have a single point of contact for both your home and auto insurance needs. This can make the process smoother and more efficient.
  3. Enhanced Coverage Options – Bundling may offer you access to enhanced coverage options that are only available to customers with multiple policies. These options could include higher coverage limits, additional endorsements, or better protection in certain scenarios.
  4. Reduced Coverage Gaps – When you have different policies with different providers, there’s a potential for coverage gaps or overlaps. Bundling multiple policies with a single provider can help minimize these gaps and ensure a more comprehensive coverage strategy.

How Much Does Bundling Home and Auto Insurance Save?

The amount you can save by bundling home and auto insurance policies varies depending on several factors, including the insurance provider, your location, your coverage needs, and your personal circumstances. On average, many insurance companies offer discounts ranging from 10% to 25% as a benefit for bundling home and auto insurance. However, these percentages can differ significantly based on the aforementioned factors.

How Do I Bundle Multiple Insurance Policies?

Get a quote and purchase more than one policy from the same insurance provider. Our agents can help you find the right one so you can start reaping the benefits of bundling home and auto insurance!

What Else Can I Bundle with Home and Auto Insurance?

According to your provider, you can often bundle home, auto, boat, motorcycle, renters, and other types of insurance into one plan. Ask your Ashley Insurance expert to explain all your options.

Get A Quote

Interested in further discussing the benefits of bundling your home and auto insurance? Get in touch with our team to get a free quote today!

Why You Need Boat Insurance

You know how much goes into boat ownership if you’re a boat owner. There’s a lot to do to take care of your boat. One of these is to get a boat insurance policy and keep it for as long as you own your boat. Getting a policy as soon as you buy your boat is a good idea. This policy will protect you as well as others. If you don’t yet have a boat policy, call us at Ashley Insurance in Easton, MD. 

Boating Accidents

Like auto accidents, boating accidents are common and can have devastating results. They can cost you massive amounts for the injuries and damages they cause. If you are judged at fault for a boat accident, you are responsible for all those costs plus expenses like lost wages and legal fees. All of this can be extremely difficult to handle financially. The best course of action is to have a boat insurance policy to pay these bills. Paying just the property damage and medical bills alone can be extremely expensive, and there may also be more bills to pay. When you have boat liability coverage, this will pay for an accident you caused, so you won’t have to.

Other Coverage

Like auto insurance, it’s essential to have liability coverage, but that isn’t the only type you need. There are also comprehensive and collision coverages for boats. Comprehensive coverage pays for the problems that happen out of the water. Collision pays for the damage done to your own boat in an accident. Getting both plus liability is the best way to stay protected. 

Get Boat Insurance

If you’re a boater, don’t go without this insurance. To get started, call us at Ashley Insurance in Easton, MD. 

Can You Be Required to Purchase Flood Insurance?

One of the questions that we at Ashley Insurance, in the greater Easton, MD area, are often asked is whether you can be required to purchase flood insurance. 

Flood insurance is a type of coverage specifically designed to protect property owners from the financial consequences of flood damage. While homeowners’ insurance policies typically cover various perils, such as fire and theft, they often exclude flood-related losses. Whether individuals can be required to purchase flood insurance depends on several factors, including location and regulatory guidelines.

In certain situations, the purchase of flood insurance may be mandatory. For instance, if you live in a high-risk flood zone, as determined by the Federal Emergency Management Agency (FEMA), your mortgage lender may require you to obtain flood insurance as a condition of getting a loan. This requirement aims to safeguard the homeowner and the lender from potential losses resulting from flooding. Furthermore, some local jurisdictions may enforce mandatory flood insurance for properties within designated flood-prone areas. These regulations aim to mitigate the financial burden on communities and promote responsible development practices in flood-risk regions.

It is crucial to note that flood insurance requirements vary by jurisdiction, and it is advisable to consult with local authorities, insurance providers, or legal professionals to determine the specific obligations in your area. Even if flood insurance is not mandatory, it is often recommended for homeowners in moderate to high-risk flood zones. Flood damage can be devastating, and recovery costs can be overwhelming without proper insurance coverage. Therefore, purchasing flood insurance voluntarily can provide significant peace of mind and financial protection in the face of potential flooding events.

If you want flood insurance, Ashley Insurance, serving the greater Easton, MD area, would love to help you. Contact us today to learn more.

Three things you shouldn’t assume when it comes to life insurance

There is a lot of misinformation out there about life insurance. If you want to meet your family’s financial needs, you shouldn’t believe misinformation and make inaccurate assumptions about life insurance. We can help you meet your life insurance needs in Easton, MD at Ashley Insurance.

The following are three things you shouldn’t assume regarding life insurance. 

Buying life insurance is not worthwhile.

Just about every family can benefit from life insurance. Without life insurance, your family’s financial security cannot be guaranteed. 

If you neglect to purchase life insurance, your dependents can face financial difficulties if you pass away unexpectedly. Plan for the unexpected with life insurance coverage. 

Life insurance is not for accumulating savings.

Term life insurance is a type of life insurance that does not accumulate cash value. However, other types of life insurance, like whole life insurance, get cash value.

Whole and universal life insurance offers both a death benefit and a savings component. Therefore, they allow you to accumulate savings while ensuring that your dependents will have financial support if you pass away. 

Only old people need life insurance.

You don’t have to be elderly to benefit from having life insurance. Anyone can benefit from carrying life insurance if they support dependents.

If you invest in a life insurance policy, you’ll have more peace of mind because you’ll know that your dependents will have money to live on if your income is no longer there to provide support.  

Ashley Insurance can give you a quote on a life insurance policy. Consumers in Easton, MD can contact our insurance company today to secure their family’s financial future.

Protecting Your Small Business: The Importance of General Liability Insurance

The Importance of General Liability Insurance

As a small business owner, it’s crucial to protect your hard work and investment. One essential tool in your risk management arsenal is general liability insurance. If you need a team to help you understand your risks and obtain the right insurance, you’ve come to the right place. Ashley Insurance is here to provide a bit of insight into the importance of general liability insurance. If you’re looking to add general liability insurance to your Maryland small business, get a quote to start working with our local agents.

General Liability Insurance For Small Businesses

Do I Need General Liability Insurance in Maryland?

General liability insurance is not a requirement in Maryland, but it can be good to have in order to protect your business from risk. Here’s why you may want to consider obtaining this coverage:

1. Safeguarding Against Accidents and Injuries

General liability insurance provides financial protection in case someone is injured or their property is damaged due to your business operations. Whether it’s a slip and fall accident on your premises or accidental damage to a client’s property, this coverage helps cover medical expenses, legal fees, and potential settlement costs.

2. Mitigating Lawsuits and Legal Expenses

In today’s contentious society, even the smallest incident can lead to a lawsuit. Defending your business in court can be costly and time-consuming, potentially jeopardizing your finances and reputation. General liability insurance helps cover legal expenses, including attorney fees, court costs, and settlements or judgments against your business.

3. Building Trust and Credibility

Having general liability insurance in Maryland demonstrates your commitment to professionalism and responsibility. Clients and customers often prefer working with businesses that are adequately insured, as it instills confidence and reassurance. It becomes a competitive advantage, especially when bidding for contracts or competing against larger companies.

4. Protecting Your Business Assets

Your business assets, including physical property and equipment, are vital to your operations. In the event of a covered incident like fire, theft, or vandalism, general liability insurance can help repair or replace these assets, minimizing disruption to your business and ensuring continuity.

5. Addressing Product and Advertising Liability

If your business manufactures or sells products, you face the risk of product liability claims. Should a product cause harm or injury to a consumer, general liability insurance can cover the resulting legal costs. Additionally, this coverage can also protect your business from claims related to false advertising, copyright infringement, or libel, providing a safety net for your marketing efforts.

6. Meeting Contractual Requirements

Many contracts, including lease agreements, vendor agreements, or client contracts, often require small businesses to have general liability insurance. By obtaining this coverage, you ensure compliance with contractual obligations, thereby securing vital business relationships and opportunities.

Get General Liability Insurance For Your Small Business

Insure Your Business

Obtaining general liability insurance in Maryland could save your business from costs associated with accidents, injuries, lawsuits, and property damage. Safeguard your business by investing in this vital coverage and build credibility with your customer base along the way. Don’t wait until it’s too late – get a quote from Ashley Insurance.

How To Choose the Right Car Insurance Plan

How to Choose the Right Car Insurance Plan

At Ashley Insurance, we understand that choosing the right car insurance plan can be a daunting task. With so many policies and plans available, it can be overwhelming to decide which plan is best for you and your vehicle. That’s why we’ve put together a reliable guide on how to select the right car insurance plan. By following this guide, you’ll be able to compare your options, research insurance companies in your state, look for discounts and incentives, and much more. With the right car insurance plan, you can enjoy driving with peace of mind knowing that you’re protected from unexpected financial loss.

Find the Perfect Car Insurance Plan

1. Compare your options:

Before you make any decisions on which car insurance plan to choose, it is important to compare your options. Don’t just settle for the first or cheapest car insurance plan you come across. Instead, take a bit of extra time to research and compare different plans to determine which one best meets your needs.

2. Research the insurance companies that offer car insurance in your state:

When searching for car insurance, it is essential to research the insurance companies that offer car insurance in your state. We work with reputable insurance providers that offer comprehensive coverage at a reasonable price, ensuring that you get the best deal possible. By partnering with multiple insurance companies, we can provide you with a variety of coverage options, allowing you to choose the policy that meets your needs and budget.

3. Look for discounts and incentives:

Most car insurance companies offer discounts and incentives to their customers, which can help you save money on premiums. Look out for discounts for good students and good drivers who maintain a safe driving record. You can also receive discounts by driving a safe car equipped with features such as anti-theft devices, backup cameras, and lane departure warnings. Additionally, bundling your car insurance with home insurance can provide you with significant discounts. You can save even more on your auto insurance by paying your premium in full. Read our guide to buying car insurance for the first time for more tips.

Get the Car Insurance Coverage You Need

4. Get the coverage you need:

When deciding on the right car insurance plan, it’s important to get the coverage you need. This means understanding the different types of coverage available and determining which ones you need. Some common types of coverage include liability coverage, collision coverage, and comprehensive coverage. Our agents can help you figure out which types of coverage best suit your driving style.

5. Read the fine print before you buy:

Before you purchase a car insurance plan, it’s important to read the fine print. Make sure you understand what is covered and what is not covered. Don’t just focus on the premium. Pay attention to exclusions or limitations that may impact your coverage. Keep an eye out for restrictions on coverage, claims, and deductibles. Ask your Ashley Insurance agent if you have any questions about the fine print in your policy.

Get A Quote

At Ashley Insurance, we are committed to helping our customers find the right car insurance plan for their needs. We offer a wide range of auto insurance coverage options and discounts to help you save money on your premiums. Get a free quote on our website or contact us today to learn more about how we can help you find the right car insurance plan for you.

What could happen if I do not have auto insurance in Maryland?

If you are in the Easton, MD area, owning a car would likely make a lot of sense. When you are a vehicle owner here, you will have an easier time getting around the community and completing all of your tasks. Along with a car, you must ensure you are adequately insured. If you do not have an auto insurance plan, you could experience several consequences. 


One of the issues that could arise if you are not insured is that you could face penalties. Carrying auto insurance is necessary for anyone who drives a car in Maryland. If you do not have at least the minimum level of liability coverage, you can face various consequences. This can include being hit with monetary penalties or even losing your license to drive a car. 

No Financial Protection

Another consequence of not having auto insurance is that you will not have financial protection. One of the main benefits of having this coverage is that you will receive financial support if you are liable in an accident or if you incur a covered loss, such as accident damage, vandalism, or theft. If you do not have this insurance, you will not have any of this support. This could mean you will have to face significant costs to pay restitution or repair your car. 

You will always want to ensure that you have the right insurance when buying a car in the Easton, MD area. If you would like to get a car here, calling our team with Ashley Insurance would be helpful. Our dedicated professionals with Ashley Insurance will offer the guidance you need to get properly insured.