Archive | October 2016

Insuring your Teenage Driver… SCARY!

insuring your teenage driverInsuring your teenage driver is almost as scary as allowing them to drive. Typically, insurance rates for young drivers are very high, especially in areas where there are lots of nice cars on the road. Thank goodness for Farmers Y.E.S. – a special program for insurance your teenage driver that can reduce their auto insurance rates by as much as 30%. The acronym Y.E.S. stands for You’re Essential to Safety. The YES program educates young drivers, helping them make good decisions while driving. Hopefully, it also gives parents a little more peace of mind.

To participate in the program and be eligible for the discount, your teenage driver will watch this video about the dangers of drinking and driving, read the Farmers Wrecked Roadbook and fill out the Certificate of Completion. The completed certificate can be faxed to me.

Motor vehicle accidents are STILL the leading cause of death for teens aged 16-19 in the United States, with 6 deaths per day on average.1 Fortunately, that number has decreased from six years ago, when I reported that nine teens ages 16 to 19 died every day from motor vehicle injuries.2 The facts remain the same. Insuring your teenage driver can be expensive but with the YES program, we can improve the safety of teenage drivers and also save some money. Farmers also offers a Good Student Discount for young drivers who meet certain criteria.

Please call me at 949-436-0740 if you have any questions about the Farmers Insurance YES discount for teenage drivers or the Good Student Discount. And have a safe and happy Halloween!


1 Centers for Disease Control and Prevention. Web-based Injury Statistics Query and Reporting System (WISQARS) [Online]. (2014). National Center for Injury Prevention and Control, Centers for Disease Control and Prevention (producer). [Cited 2016 Sept 20].

2 centers for disease control and prevention. web-based injury statistics query and reporting system (wisqars) [online]. (2009). national center for injury prevention and control, centers for disease control and prevention (producer). available from: URL: [Cited 2009 Nov 3].

Los Angeles Home Insurance Rates

Los Angeles home insuranceHome prices in Los Angeles and Southern California are some of the highest in the country. However, the cost of Los Angeles home insurance isn’t. Home insurance rates in Los Angeles, Orange, and San Diego counties are very much the same as those in the rest of the country and oftentimes even less. There are a couple reasons for this. First, catastrophic perils such as tornadoes, hurricanes, and freezing weather aren’t a factor here in Southern California. We have earthquakes, but it’s rare for an earthquake to cause significant damage to a home (besides, that’s what earthquake insurance is for). Secondly, the replacement cost used in home insurance rates is based on the value of the home itself, insurance calls this the dwelling, and NOT the land.  Here in Southern California, home prices are high because we are paying a premium for the land (location-location-location) and the actual home price is similar to home prices in the rest of the country.

We typically insure homes in Los Angeles/San Diego/Orange counties for around $150-$200 per square foot. To insure a standard home (1,500-2,400 square feet) in these areas, you will pay approximately $1,000-$1,500 per year on average. Larger or more upscale homes are insured from about $200-$300 per square foot.  So it is not uncommon, especially in the Southern California coastal areas, for the replacement amount or dwelling coverage on the home insurance policy to be less than the purchase price.

You should also take advantage of the various discounts that Farmers Insurance offers, such as the Farmers affinity discounts, which are about 15% savings, depending on your occupation or line of work. There is also a 25% discount if you insure both your home and auto with us. Farmers offers other discounts too, which can often result in Los Angeles home insurance rates under $1,000 per year.

If you have any questions about home or condo insurance rates in the Southern California area or questions about discounts that might be available to you, please call me at (949) 436-0740.