Is It A Good Idea To Add A Teenage Driver To Your Auto Policy?

Martin Insurance Team is here to help any parents in Evergreen Park, IL who are looking to add teen drivers to their auto policy. There are certain considerations that need to be made before a motorist can make a final decision. These are the areas that are most commonly discussed when these situations arise…

1. Rates Are Going To Rise

This is a given but it should not deter parents who are looking to insure their young drivers. The accident rates for these drivers are higher but there are discounts available. An experienced insurance agent is able to point their clients in the right direction in this regard. 

2. Liability Insurance Will Increase

These drivers are more likely to be involved in accidents than any other group. As a result, parents who wish to insure their young drivers will want to make sure that they are obtaining the proper amount of liability insurance. Don’t make the mistake of relying on bare minimum coverage. 

3. State Rules

Illinois laws require teen drivers to maintain a certain level of coverage. Bodily injury and property damage are the two primary areas of insurance that have to be discussed. While every parent should certainly take the time to obtain these policies, bare-bones coverage should not be relied upon. Find out more about the other factors that have to be considered.

4. College-Aged Drivers

When children head off to college, they will usually need access to a vehicle and a reliable form of coverage to go with it. Many insurance companies actually offer a discount to students who are heading to college. If the teen lives a certain distance from home and will not be driving the car as often, they often qualify for lower rates. 

5. Continued Driver’s Education 

Driver’s ed does not conclude once the teen has their license. The longer the teen is able to drive without causing an accident or incident, the lower their rates will be. Parents can also enroll their children in various continuing education programs, so that their rates drop even further.

Be sure to meet with Martin Insurance Team as soon as possible to discuss teenage driving concerns. Any concerned parent in Evergreen Park, IL will want to take all of the necessary steps to ensure continued protection for their teenage motorists. 

The Best Way to Insure Your Child’s Vehicle

Raising kids is — a bigger job than can fit in this blog. There are many milestones to celebrate and dread. Someone, your child learning to drive is both. If you’re planning to get them a car of their own, there are some things you should know before you take the loan. Insuring your kids is a little more complicated than you might think, even in Evergreen Park, IL. That’s why Martin Insurance Team has a couple of tips for you.

When They Live With You

If you’re paying your kid’s insurance and they live with you, things are a little easier. The most important thing to know about is registration. You might want to put the car in your kid’s name, but that comes with complications. Generally speaking, an insurer will not grant a policy if the name on the registration and the primary driver don’t match. When your child lives with you, that matters less, since both of you should be listed as drivers regardless. When they don’t live with you, things get more complicated

When They Don’t Live With You

It’s hard to justify putting yourself as a primary driver on a car that you never drive. Also, having multiple drivers usually raises the premiums. When this happens, the easiest way to handle insurance is to put the registration in your kid’s name. They’ll be the primary driver, and the policy will be in their name too. If you’re still paying for all of it, that’s fine. Insurers don’t care who cuts the check, as long as the paperwork matches and they get paid.

While these two tips are useful, Martin Insurance Team has plenty of advice for residents in Evergreen Park, IL. If you want the best plan for all of your policies, a simple chat can get you there.

 

How Your Car Insurance Will Change After Marriage

Marriage is a huge time of change for a couple. Most people move after marriage, merge bank accounts, start thinking of having kids and basically get much more serious about their lives. Car insurance is another aspect of life that can change drastically after marriage. While planning your wedding you probably didn’t give much thought to car insurance, but car insurance is an important topic to discuss. Here are a few ways car insurance might change might change if you combine policies after marriage. 

Combine to Make Life Easier

It is not a law that you combine your car insurance after marriage, however, most couples find that combining policies is much simpler than dealing with two different policies. This would also be a good time for both of you to shop around a bit in order to make sure you have the best deal possible. 

Combine to Save

In many cases, married couples will get a discount that single people can’t get. And even if you don’t get a discount for being married, you will often get a discount for having multiple cars on a policy, so either way, there is potential to save some money now that you are married. 

Combine to Save on Other Big Changes

If you have coupled buying a home with getting married, which many people do, then you will want to check with the insurance company to see if they also offer home owner’s insurance. There are huge discounts available to individual’s who bundle their auto with their home owner’s insurance. This is a great way to knock out two chores at once and save some money at the same time. 

If you would like to learn more about how your insurance will change after marriage, contact the helpful staff at Martin Insurance Team in Evergreen Park, IL. 

What You Need to Know About Transportation Insurance Before You Move

A move can be a busy and stressful time in the life of any family. Worrying about your possessions while they are being handled by movers or being transported to your new address is something you do not need. Transportation insurance for movers can help alleviate that worry. The Martin Insurance Team in Evergreen Park, IL can better help you understand your options. 

What is Transportation Insurance or Mover’s Insurance?

This type of insurance covers cargo that is being transported from one point to another. If you are going to be handing your possessions off to a third party, you will want to insure those possessions while they are in their hands. You should note that transportation insurance does not usually apply if you are moving the items yourself. 

Does My Homeowner’s Insurance Cover This?

The homeowners’ insurance on your previous house may contain some coverage for you during a move, but in most cases, it will not cover all of your possessions while they are being moved by a third party moving company. 

Where To Get This Insurance?

Many moving companies themselves will offer some form of transportation insurance for you. You can learn about these services when you are arranging for your move. Be sure to read the insurance policy carefully which they are offering. Sometimes these are very basic and may not cover all of the details which are important to you. If you are not comfortable with the insurance being offered, then you can look elsewhere to find a policy that is more customized to your particular situation. 

Prized Possessions

If you will be moving certain items that are very expensive or very important, then you will want to handle those items yourself or have them well insured. Do not leave your most important items up to chance. 

Transportation insurance is a great safety net to have for your family during a move. To learn more contact Martin Insurance Team serving Evergreen Park, IL.

 

When Is Auto Insurance Necessary?

Driving a car is a major responsibility that requires you to ensure you are following a variety of different laws. One major decision that you will have to make when you drive a car is picking the right type of insurance. While there are some types of insurance that are not required by law, there are several situations in which you will need to have auto insurance if you want to drive a car in the Evergreen Park, IL area.

Illinois Minimum Coverage

If you want to drive a car in Illinois, you will be mandated by law to carry a certain level of liability insurance. In Illinois, you will need to make sure that you have at least $25,000 in liability property damage coverage. You will also need to have bodily injury coverage of at least $25,000 per person with a cap of $50,000 for every accident. This type of coverage is mandated by law, but will only provide protection for which you are liable to another person.

You Have a Loan Outstanding

When shopping for insurance, it is very important to consider the minimum State requirements. However, you also need to consider other factors that can influence your insurance requirements. If you have a loan against your vehicle, your lender will undoubtedly require that you have auto insurance in place at all times. This requirement will also make you need to have collision and comprehensive coverage, which will provide you with coverage for a wide range of incidents.

As you are shopping for an Evergreen Park, IL insurance policy, you should contact the Martin Insurance Team. When you meet with the team at the Martin Insurance Team, you will receive more guidance and support. This will help to ensure you get into the best policy possible. 

3 Auto Insurance Myths

On the surface, the idea of auto insurance is straightforward. You, the policyholder, pay a company a monthly fee. In turn, that company pays the bill if you get in an accident. However, many nuances play into what you are covered for and how much you pay for the coverage.  

Because of the complex nature of insurance, many myths are accepted as truths. The Martin Insurance Team will clear up some of these myths for residents of Evergreen Park, IL.

Car Color Matters

Red cars are more likely to be pulled over than any other cars. While true, this phenomenon does not affect your initial insurance quote. Other seemingly insignificant aspects of your car, though, do affect your quote. Make and model matter as do engine size and likeliness of theft. Interestingly, these things mean new cars are not always more costly to insure.

Credit Score Does Not Matter

The Martin Insurance Team factors in a policyholder’s credit score when setting premium rates. This practice is not allowed in some states, but it is in Evergreen Park, IL. Your credit-based insurance score does not factor in your job, income, or gender to determine a score. Statistical research shows that policyholders with higher credit scores are less likely to be involved in accidents. Thus, these people qualify for lower premiums.

All Claims Raise Rates Drastically

Many people worry a single claim will raise their rates drastically. The main things auto insurance companies look at when determining rate increases are driving history, accident severity, and fault. If the policyholder has a clean history and the accident was minor, rates may only increase slightly. Furthermore, if the accident was the other driver’s fault, rates may not rise at all.

Try A LIttle Tendeness: Keeping Critters Out Of Your Engine And Away From Your Deductible

Martin Insurance Team agents serving the residents of Evergreen Park, IL and the surrounding areas have superior experience in dealing with the auto insurance needs that their clients may have. In addition to auto insurance we specialize in many other types of insurances that may assist you in keeping your own personal ducks in order. 

Speaking of Ducks and Other Critters…

Small vermin or critters in your engine can cause a myriad of problems aside from the foul odor they create. Your engine can be ruined resulting in your car being totaled. If you have found a deceased critter in your engine you have thought about what would happen if it found itself in a smaller crevice of your car. It is not a bad idea to speak with an agent about how and if your car insurance would cover such a loss if it were to occur. 

Again if you have had the experience of a critter in your car, you should try a little tenderness in removing it. A scared kitten snuggling in the cold for warmth in the cockles of your engine can be coaxed out with soothing tones as opposed to loud clangs on metal. Some auto part stores carry different engine covers or you can use a piece of wood or plastic strategically placed to prevent direct entrance near the windshield. 

Contact us today in person and feel free to come in if you are in Evergreen Park, IL or in driving distance away from our South Pulaski Rd. location. The professional staff at Martin Insurance Team Agency are here to keep the critter of confusion about what is covered by your auto policy far and away from your mind.   

How Does an Insurance Company Verify The Number of Auto Accidents and Tickets You Have?

When you are signing up for auto insurance, an insurance agent will ask how many accidents and tickets you have had over the past three to five years. It is important that you are honest with them, or your rate could increase when they discover the truth, and they will discover the truth. But this can leave you wondering how an insurance company can determine this information. Here are a couple of the ways an insurance company can determine how many accidents and tickets you have.

Insurance Reporting System

Insurance companies use a reporting system that any insurance agent or broker can access. This reporting system allows an insurance company the ability to see if you have filed any auto insurance claims and what for. The amount of the repairs and who was at fault are just a couple of the things that this type of system reports. This system only works if insurance companies report accidents. Fortunately, most companies use this system both to report accidents and check driving records, though tickets do not appear in this system.

Department of Motor Vehicles

The other way that insurance companies determine how many accidents or tickets you may have is based on your driving record with the department of motor vehicles. You are required to report all accidents, and police officers report your tickets. This is currently the best way to determine the driving record of an individual. This is also the method that employers use when they are hiring you for a driving record.

If you are in need of an insurance company, contact Martin Insurance Team in the greater Evergreen Park, IL area. We can help get you the best insurance policy for your needs regardless of whether you have accidents and tickets or not.

Interesting Facts About Car Insurance

Let’s Address The Most Interesting Fact About Car Insurance

  • Insuring your young adult children on your policy must be done correctly

The agents who make their employ at Martin Insurance Team are just that – a team! However it is important to bear in mind that we are a team of professionals. There is not an amateur on the team. In addition to that we are people who reside in the community. We are parents, we are sons and daughters. We remember back to that time when we first  hot the road, new license at hand. It is with this in mind that we issue this warning. Insure your young adult driver properly. Make certain that they are listed on the policy in the appropriate capacity. Let your agent know what car your young adult driver will be using primarily and for what purpose, whether it is to drive to school or work, during the weekend or during the week. 

Interestingly enough many people don’t add their young adult to the policy as a driver.  

The Martin Insurance Team of Evergreen Park, IL is in business to know how to deliver the detailed insurance product you desire to protect your automobile, your life and the lives of others you may encounter on the road. Unlike direct purchase policies we are are able to provide personal service and answer all of the questions you may have about auto insurance as well as other insurance products. Feel free to contact us in person by stopping by our office in Evergreen Park, IL. If you reside in other areas that we serve in the surrounding counties we are worth the trip if you require personal service or we are easily accessible on the internet, by phone, fax, or email. 

Safe Driving This Winter

Driving during the winter can be dangerous. In Evergreen Park, IL, we can sometimes experience treacherous road conditions due to ice or snow on the road. At Martin Insurance Team, we want all our customers to be safe while driving this winter. Use these tips to make sure that you and your vehicle are prepared for the winter weather.

Stay Informed About the Weather

If you do not already have a habit of checking the weather reports before leaving your home, this is a good habit to start, especially in the winter. Know the different terms that describe weather conditions. Weather terminology such as advisory, watch, or warning can give you a good idea how severe the storm may be.

Stay Prepared with a Vehicle Emergency Kit

Hopefully, you will never be stranded during an icy storm. However, it’s good to prepare for the worst. Keep an emergency kit in your car that includes essentials such as a first aid kit, shovel, windshield scraper, flashlight, extra batteries, water, and snacks. In the event that your engine is off, you will need to keep warm. Include blankets, warm socks and gloves, and extra hats in your kit.

Prepare Your Vehicle by Winterizing It

Winterizing your car means performing maintenance on it so that it works properly throughout the winter. Make sure you have adequate levels of antifreeze in your vehicle. Also, test your heater and defroster and make sure they are working well. Good tires are also critical this time of year. If yours do not have plenty of tread on them, it might be a good time to buy new ones. At Martin Insurance Team of Evergreen Park, IL, we hope you stay safe while driving this winter. If you need help, give us a call.