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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].

Uber Insurance: Farmers Rideshare Endorsement

The popularity of ride-hailing companies such as Uber, Lyft and Sidecar has opened up a new subcategory of auto insurance. Due to recent litigation, Uber now provides coverage for its drivers as long as they are logged into the Uber smartphone app and ready to accept an assignment. Drivers must obtain their own insurance for all other times of driving, and a personal auto policy is not enough. Many carriers exclude coverage on a personal auto policy if you are using your vehicle as a ride-share driver.

Farmers Insurance provides coverage for just this purpose, and I have received  many calls over the last 6 months for this type of “Uber insurance”. The coverage is called a Rideshare Endorsement, and enables drivers to customize their coverage, including:

  • Comprehensive and collision coverages that pay for damages to your car
  • Uninsured motorist coverage, in case you are hit by a driver who isn’t insured or is underinsured
  • Medical payment and personal injury protection (if required)

If you are a driver for Uber, Lyft or any other rideshare program, it is mandatory that you alert your insurance carrier. Failure to do so could result in the denial of a claim. Call me today – I am happy to answer any questions and further explain how the rideshare endorsement works. Farmers provides a great product and competitive rates for “Uber insurance”.

Farmers Says YES to Teen Auto Insurance Discounts

teen auto insurance discountsYoung drivers are typically expensive to insure. They do not have years of driving experience, and as a group, they are more likely to make poor decisions. However, Farmers says YES to teen drivers and YES to teen auto insurance discounts! YES stands for You’re Essential to Safety and the Farmers YES program can provide a discount of up to 30% on an auto insurance premium for a teenage driver.

You or your teen can join the Farmers YES program in 3 simple steps:

1. Watch this video about the dangers of drinking and driving.

2. Review the Farmers Wrecked Handbook.

3. Fill out the Certificate of Completion. The certificate can be faxed to me, and I’ll set up the discount on your policy right away.

In addition to the YES program, Farmers also offers a Good Student discount for full-time high school or college students between the ages of 16-24. 

For information on teen auto insurance discounts, or to sign up for any of the programs above, contact me.

Your friendly Farmers agent, Pavel

(949) 436-0740

Foremost Insurance for Your Specialty and Off-road Vehicles

foremost insurance
Foremost Insurance is one of the largest specialty lines insurance carriers in California and the United States.  A member of the Farmers Insurance Group of Companies, Foremost offers a wide range of products including:

  • boat or watercraft insurance
  • dune buggy insurance
  • golf cart insurance
  • manufactured home/mobile home insurance
  • motorhome/RV insurance
  • motorcycle insurance
  • off-road motorcycle insurance
  • scooter and moped insurance
  • snowmobile insurance
  • travel trailer insurance

And did you know that by adding a Foremost Insurance policy, your Farmers policies can decrease by 5%? Please contact me with questions about coverage or discounts or to get a quote for your specialty vehicle under Foremost Insurance.

Farmers Auto Insurance Discount for Seniors

auto insurance discount for seniorsFarmers Insurance offers a significant auto insurance discount for seniors. The Senior Defensive Driver Discount is available to customers over 55 years old who complete an online safety course offered through AARP.

The online safety course costs $15 and takes a few hours to complete. A certificate of completion will be sent to Farmers from AARP and the Senior Defensive Driver Discount will be applied to your policy, it’s that easy! The discount results in about 10% savings annually on auto insurance or motorcycle insurance premiums.

Other insurance discounts are available to  seniors as well, such as the California Good Driver discount, Affinity discounts, and multi-line policy discounts. Please call me if you have any questions or would like more information on this auto insurance discount for seniors.