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Insurance Discounts for Seniors

insurance discounts for seniorsAre you above the age of 55 and looking for a discount on your insurance? Here is some good news: Farmers offers auto, home, and motorcycle insurance discounts for seniors.

The Senior Defensive Driver Discount provides customers over the age of 55 a savings of 10% annually on their auto insurance policy. To qualify,  drivers must successfully complete the senior safety course offered through AARP. The course costs $15 and can be completed within several hours. Upon completion of the course, a certificate can be sent to us and the discount will take effect immediately.

The Senior Defensive Driver Discount is in addition to other available discounts, such as the Good Driver Discount, Affinity Discounts, and multi-line policy discounts.

Farmers also offers home insurance discounts for seniors over the age of 55. Those 60 and older will receive an even bigger savings.

If you have any questions about Farmers Home or Auto Insurance or insurance discounts for seniors, please call me at (949) 436-0740.

Farmers Car Buying Service

farmers car buying serviceOne of the perks of being a Farmers Insurance customer is the ability to participate in the Farmers Car Buying Service.  This website is powered by TrueCar and is a simple and easy way to save you time and money when shopping for a new or used vehicle.

Finding a new or used car is simple with the Farmers Car Buying Service.

      • SEE WHAT OTHERS PAID FOR THE CAR YOU WANT – You can research a specific make and model and then select your desired color and options. You can view what others are paying for the new car you want or you can search a vast inventory of used cars.
      • GET A DEALER GUARANTEED SAVINGS CERTIFICATE THAT COULD SAVE YOU THOUSANDS OFF MSRP * Obtain in-depth price reports for the new car you want based on real-world pricing data. You also get a Members Savings Certificate with your Estimated Dealer Savings and Pricing as well as your Guaranteed Minimum Savings.** Used car certificates show a guaranteed price.***
      • SAVE TIME AND MONEY WHEN YOU WORK WITH A PROGRAM CERTIFIED DEALER Certified Dealers are prescreened to ensure a better car buying experience.  Print out your Dealer Guaranteed Savings Certificate with your new car preferences and your Guaranteed Minimum Savings (or your used car information) to lock in your savings for a hassle-free car buying experience. Savings also apply to leasing.

Start your car search now online or call 855-313-9229. And once you find the car of your dreams, learn more about Farmers auto insurance. Then call me for an auto insurance quote and learn about Farmers insurance discounts, towing and roadside assistance, and our teen driver program.

 

The Farmers Car Buying Service website is owned and operated by TrueCar, which is not affiliated with any of the companies comprising the Farmers Insurance Group of Companies.  Your use of the website is subject to TrueCar’s Privacy Policy.

 

Good Student Discount on Auto Insurance

good student discount on auto insuranceDid you know Farmers offers a Good student discount on auto insurance? The cost of auto insurance is extremely high for high school students. In order to qualify for the discount, your teenage driver must be between the ages of 16 and 24 and enrolled full-time at a high school, college or university. You will also need to provide documentation from that school for the previous quarter or semester that the student had a grade point average (GPA) of at least 3.0 for all subjects OR was included in the “Deans List” or “Honor Roll” in a school that maintains such a list.

The Good Student Discount normally results in a savings of $400-$600 annually on auto insurance. Combining this discount with the Farmers YES discount will save you as much as 60% on the cost of auto insurance for your teenage driver. It is also imperative that young drivers always go to traffic school if they receive a citation or traffic ticket. This ensures that their driving record is clean, and guarantees the lowest possible rates on insurance.

If you have any questions about Farmers auto Insurance or discounts, please call me at (949) 436-0740.

Road Rage Tips

Road rage is a dangerous problem and can lead to serious accidents. However, road rage is sometimes listed as an exemption in many auto insurance policies since damage caused by aggression isn’t typically an “accident”, but rather the results of unnecessarily risky behavior, or negligence.  Use these road rage tips to avoid aggressive driving and become a safer driver.
1. Take deep breaths.
2. Lower your music volume.
3. Loosen your grip on the steering wheel.
Combined, these road rage tips should help you feel calmer and more relaxed, ready to make reasonable decisions in a stressful situation.

road rage tips

I hope these tips and others can decrease the road rage occurrences in our community! Travel safely, friends!

Pavel (949) 436-0740

Protect Yourself Against Uninsured Drivers

It is a law in the state of California that every driver must carry auto insurance. However, there are still many people who drive without it.  In fact, it is estimated that in 2009, nearly 15% of all California motorists were uninsured drivers.  And likely now, that number is even higher due to years of recession, economic downturn, and unemployment rates.  What does this mean for you, my customers? YOU NEED UNINSURED MOTORIST COVERAGE.


uninsured drivers

via Insurance Research Council

In California, many drivers carry only the state minimums for liability insurance. So if you are in an accident with someone who does not have insurance, or someone who does not have ENOUGH insurance, this coverage will pay medical bills for bodily injury for you and those inside your car. It is also available to cover lost wages, property damage (damage to your vehicle), and pain and suffering.

Uninsured motorist coverage is not required in California, but is relatively inexpensive (usually $10/month or less) and any good insurance agent will recommend that you carry it for your car or motorcycle insurance package. In fact, all insurance carriers in California require signed rejections if this coverage is declined.

To understand more about your California auto insurance policy, read here and here.  And as always, feel free to call me with concerns about uninsured drivers or any of your insurance needs.

Pavel (949) 436-0740