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1314 Union Ave, NE #1
Renton, WA 98059

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11335 NE 122nd Way Suite 105
Kirkland, WA 98034

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Insurance Blog

Tips to Help Keep Auto Insurance Rates Low For Teenage Drivers

Here at All Nations Insurance, serving the greater Renton, WA area, we know firsthand just how pricey it can be to insure a new teenage driver. Teenage drivers are more at risk of an accident due to their inexperience when it comes to driving, and as such, they often have to pay higher rates than experienced drivers. However, there are some things that your teen driver can do to help ensure that they get the best rates for auto insurance.

Here are some tips:

Enroll Your Teen In a Defensive Driving Course

One of the best ways to get the best auto insurance rates for a teenage driver is to enroll your teen in a defensive driving course. Many insurance companies will offer a discount if your teenage driver completes a safe driving course or defensive driving course. 

Research Auto Insurance Rates Before Buying Your Teen a New Car

Another way to help keep your auto insurance rates low for teenage drivers is to research the rates associated with certain types of cars before buying your teen a new or used car. Certain types of cars may have higher insurance rates due to being a target of thieves or the likelihood of the car being involved in a serious accident. Researching rates helps you to find a car that is affordable to insure. 

Ensure the Insurance Company Knows How Many Miles Your Teen Drives

Lastly, make sure that the insurance company knows how many miles your teen drives per month. Most teens do not drive a lot. They may drive to and from school, to and from friends’ houses, or to and from work. Insurance companies can reduce rates if a driver drives under a certain number of miles per month. 

If you have a new teen driver, you may be looking for fair rates for auto insurance. Here at All Nations Insurance, serving the greater Renton, WA region, we can help you find the right policy for both your and your teens’ needs. Reach out to us today to schedule an appointment. 

What’s the Difference Between Comprehensive and Collision Coverage?

The difference between comprehensive and collision insurance is what each policy covers. The terms are often mistakenly interchanged as both fall under the category of "damage to a vehicle." However, as you will see below, there are significant differences between them.

What Is Comprehensive Coverage?

Comprehensive coverage is used to describe the coverage that covers damage to your vehicle that isn’t caused by an accident in which you are at fault. This includes things like theft, fire, impact with animals, and some weather-related incidents. So, when it comes down to it, comprehensive insurance represents protection against many occurrences except collisions with another vehicle or object.

What Is Collision Coverage?

Collision coverage is a type of car insurance that covers damage to the insured vehicle caused by a collision with another object. Unlike comprehensive coverage, collision coverage does not cover damage to a vehicle caused by weather or acts of nature, such as a falling branch. Collision insurance also does not pay for damage that occurs when a car is stolen or vandalized by someone who isn’t an insured driver.

What Factors Determine Which Coverage You Need?

The factors that go into determining which coverage you need are your preference, the type of vehicle you own, and the worth of your vehicle. For instance, if you have a very expensive car, it would be wise to get both collision and comprehensive insurance to protect your investment in the case of a collision or theft. However, that does not mean you don’t need comprehensive or collision insurance if you have an older or cheaper vehicle.

Both comprehensive and collision coverage are important for your car insurance policy. But each provides very different types of coverage, so it is important to understand the difference between them before choosing which policy you need to purchase. At All Nations Insurance in Renton, WA, we can help you determine which coverage is necessary for your vehicle. All Nations Insurance is here to help you make the best choice for your vehicle and your wallet. Call us today.

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