As your teenager approaches the age of 15, you need to contact Ashley Insurance serving Easton, MD about adding your teen to your auto insurance.

Adding Your Teen to Your Policy

This process requires phoning our office to inform us that they’ve acquired their learners’ permit. While adding them takes just a phone call, you might experience a little "sticker shock" at the cost of adding them.

That cost comes from their lack of driving records and the risk levels of teens. Teenaged drivers comprise one of the largest groups who incur accidents. They lack experience in driving, and they take too many risks. That increases the insurance underwriter’s risk, and your premiums increase.

How can you reduce the premiums?

You can make your teen take a defensive driving course along with their school’s driver’s education course. Another option includes sending them to a driving school course.

You can also place a monitor in their vehicle from the insurance company that records their driving record. The insurance company regularly reviews this data to determine how the driver manages risk. You need to wait until they obtain their own vehicle, though, because you must guarantee that each monitor applies to just one driver.

Purchasing Their Own Policy

At 16, your teen can purchase their own policy. This process typically occurs when they buy their first car. The insurance cost belongs to them solely when they buy their own policy. If they purchase a used car of more than a decade in age, it makes the most sense to obtain liability and bodily injury coverages. If your teen bought the car for about $1,000, there’s probably no reason for comprehensive or collision coverage. That’s the opposite of your own vehicle insurance because you probably purchased a new vehicle.

Contact Us for More Information

When you need to decide how to handle insuring your teen for driving, contact Ashley Insurance serving Easton, MD. We’ll help you determine the most affordable way to insure them.

If you drive a vehicle in Maryland, then you likely know the importance of auto insurance as a form of protection on your daily route to work, school, errands, or wherever else you may be going. This great state is filled with vehicles and drivers, all on their way somewhere. 

Legally, every driver and vehicle must carry a minimum of liability insurance to drive a car in Maryland. Liability insurance serves to offer the driver protection they need if they are responsible for a collision. If you’re a resident of Easton, MD and are looking for auto insurance, Ashley Insurance is a great option for many reasons. 

While you may not think about the risks involved in driving when you’re rushing out the door in the morning, that doesn’t mean there aren’t risks. You may drive defensively and believe yourself to be a safe driver, but you can’t control who you may come into contact with on the road at any given time. 

That’s why a full coverage auto insurance plan in Easton, MD is highly recommended by Ashley Insurance. Plans that include coverage for uninsured or underinsured motorists, liability coverage, comprehensive and collision coverage are ideal because they can fully cover the driver in an accident, whether it’s your fault or not. 

There are so many reasons to protect yourself when driving a vehicle in Maryland. Don’t put it on the back burner for another day. Particularly during the winter season when the roads are slick and more dangerous, you’ll be grateful you invested in auto insurance when the moment comes when you need it the most. 

Contact Ashley Insurance for all your auto insurance coverage needs. We’re here to help! 

Buying a new car requires you to work with companies like Ashley Insurance to give your Easton, MD car the policy that it needs. But when exactly do you need a new policy in Maryland? Let’s take a look at these facets to ensure you time your policy correctly. 

Grace Periods Help You Adjust 

When you buy a new car, you typically have a grace period during which you don’t need to purchase car insurance. These periods last from 24 hours to a month, depending on the state and the buying situation. For example, if you have never bought a car before, you need to get insurance before you get the car. 

Of course, you can buy the car, but you cannot take it off the lot until you have insurance for it. For people who already own a vehicle and update their rides, their grace period will vary. Easton MD residents need to know what period this state requires for their needs. 

Maryland Car Insurance Grace Periods 

If you’re replacing your old car with a new one, you should get at least a 7-30 day grace period for most companies. However, when adding a new vehicle to an existing policy (such as if you’re not replacing an old car but buying a new one on top of it), your grace period is usually 2-4 days. 

These varying times occur because of different company regulations. Maryland does not dictate a specific minimum or maximum for grace periods, allowing companies to choose which they prefer. In any case, it is always best to just get insurance as soon as possible to minimize confusion. 

Find the Insurance You Need 

Don’t hesitate to contact us at Ashley Insurance right away if you’re not sure about what policy you want or need. Our team will do what they can to help Easton residents feel comfortable with their policy. 

Have you ever wondered what could transpire when you require a rental car in Easton MD, after engaging in an accident or your car becomes totaled, and you owe your lender more than your car is worth? Regrettably, a standard policy doesn’t cater to these expenses. Luckily, a car insurance add-on gets tailored as additional coverage that gets opted for with comprehensive car insurance to solidify the coverage and protection offered by car insurance. Are you searching for detailed information about available add-ons in Easton, MD? Don’t look beyond Ashley Insurance. We offer prolific auto insurance blended with add-ons to ensure that Easton, MD drivers get perfectly shielded against imminent perils like theft and fire. Below are add-ons you can ponder about to boost your auto insurance policy.

Road assistance coverage

Imagine what could transpire when your vehicle breaks down or runs out of gas in the middle of nowhere in Easton, MD? It can be stressful. Investing in superb road assistance coverage wipes all worries of helplessness. This coverage offers services such as loss of car keys, battery jumpstart, gas delivery, puncture repairs, and towing services whenever your car malfunctions away from home.

Zero depreciation coverage

As the passing of each year progresses, the market value of your vehicle depreciates. This type of add-on coverage ensures car owners in Easton, MD get the complete claim of the repair or replacement cost devoid of factoring depreciation. Without this pivotal protection, you might cater to the difference between the actual cost of repair and the insured value. Zero depreciation coverage helps you in averting the burden of carrying the depreciation cost of your car, thereby amplifying your claim amount.

Consumable coverage

During claim times, occasionally consumables such as oil, nuts, grease, air, lubricant clips, oil filter, washers, and bolts are neglected by insurance. Buying this kind of add-on at Ashley Insurance can save on all these consumables that will get shielded no matter the minute they seem to appear.

Engine protection coverage

Your car engine is one of the most instrumental components. The engine is susceptible to breakdown, especially during heavy downpours resulting from flash floods and flooding of roads. This add-on coverage assists the policy bearer to be indemnified against impending expenses for either mechanical or electrical breakdown of your engine due to a spill or water ingression.

Are you a car owner in Easton, MD? Your ordinary auto insurance requires enhancement to provide extra protection for your car. Our agents will assist you in customizing auto insurance enhanced with add-ons that match your needs and budget. Please call or visit us at Ashley Insurance offices in Easton, MD.