Should Teens Have Their Own Auto Insurance?

When considering whether or not to purchase an insurance policy for a teen, or put them on an existing policy, there are a few things to consider. Anyone who has a teen living in the home will notice changes to the policy if they are added. In contrast, a teen who has a policy of their own will need to be able to meet the responsibility of making the premium payments regularly or having a backup plan.

Teen Drivers

Teen drivers are much more likely to file a claim than older drivers, which is why their policy premiums are much different than an experienced adult driver. If the teen lives in the home and doesn’t own the vehicle in question, they can be added to a parent or guardian’s policy in most cases. It is important to ask an insurance agent how this addition will change the policy before making that decision. If the teen owns the vehicle, they will likely need to have their own policy. In this situation, an experienced auto insurance agent can help weigh the options to make a decision that works best for the situation. 

An Agent is a Resource

Using an experienced agent working for an insurance agency that is established with a solid reputation in the community is a valuable resource. They can walk clients through the process of selecting insurance policies and answering questions to help find options that fit best. Those who live near the Brownwood, TX area should consult with Robnett Integra Insurance Services to get the assistance they need deciding on insurance for teen drivers.

Protect teen drivers with top quality insurance products that meet their current needs. Call or stop by Robnett Integra Insurance Services, serving Brownwood, TX. 

Safe Driving tips for Brownwood, Texas

There are a lot of things to enjoy about living in Texas. When you get away from the major cities, you can appreciate light traffic and the Texan way of life. The thing is, light traffic doesn’t always mean that the roads are safer. Rural and suburban Texas have their own tricks to driving, and Robnett Integra Insurance Services wants to make sure you’re prepared with these driving tips.

Replace Your Wipers Early

Brownwood, TX, isn’t exactly Seattle. There’s plenty of sunshine to get you through the year, but it’s not Phoenix either. You’re going to have to use those wipers often enough, and the summer sun is intense enough to shorten their lifespan. Stay ahead of the game and replace them as soon as they show signs of wear instead of waiting until you’re squinting through a streaky windshield.

Watch for Pedestrians

There’s a common misconception that pedestrians are struck more often in the big city. In reality, it’s the smaller regions that tend to have higher rates of accidents. When there’s less traffic, people can get a little lax in checking both ways before they cross. Be extra wary of pedestrians when you’re on the road to keep everyone safe.

Keep an Emergency Kit

Brownwood, TX, is a great place, but you’re going to have to hit the road every now and then, and you’re not exactly in the heart of the metropolis. Since you know there will be plenty of times when you’re miles away from immediate help, it’s a good idea to keep an emergency kit. Bottled water, a battery charger, blankets, and first aid are a few items that you won’t be sorry to stash if you find yourself stuck on the side of the road.

The last tip is the same anywhere in the country. You need a good insurance plan. Talk to your Robnett Integra Insurance Services representative to make sure you have the right coverage and a good deal.

Does My Insurance Cover a Rental Car If I’m on Vacation?

Going on vacation is supposed to be fun and relaxing. The last thing you want to worry about is your insurance coverage. If you fly to your vacation destination, you will normally have a rental car so you can get from place to place. It’s important to know whether your car insurance coverage will cover the rental as well. If you live in Brownwood, TX or any of the surrounding communities, you can turn to the agents of Robnett Integra Insurance Services for the answers.

Talk to Your Agent

While you are making your travel plans, it’s a good idea to talk to your insurance agent. They may be able to provide you with a vacation or travel policy that will cover some of the unexpected emergencies that sometimes occur when you are on vacation.  They can advise you what your homeowner’s and car insurance policies will cover and what you may need a supplemental policy for.

Rental Insurance

When you rent a vehicle, most rental agencies will offer you the option of purchasing additional insurance. While it is more costly than your own, it may be a wise option. This way you are fully covered. By having both your own policy as well as the rental agency’s policy in place, it’s more likely that the entire amount of any damages will be covered.

The agents of Robnett Integra Insurance Services serve residents throughout the Brownwood, TX area. If you live in the vicinity and are getting ready to go on vacation, call and talk to one of their licensed agents. They will let you know what you need to do to be fully covered while traveling away from home.

Is it time to add your teenager to your Texas auto insurance policy?

Getting a driver’s license is a rite of passage that makes many teens grown up while their parents reach for the antacid. If you have a teenager in your Brownwood, TX area house that is nearing driving age, you may be considering your options for car insurance. Adding your teenaged child to your auto insurance policy is not always as simple as adding their name. You may want to increase certain coverages and policy features. The team at Robnett Integra Insurance Services understands the complexities that can come with covering younger and less experienced drivers on your auto policy.

Are you ready to add your teenager to your auto insurance policy? 

In addition to increasing your coverage amounts when you add your teenager to an auto insurance policy, you may want to add additional benefits. One popular add-on for families with new drivers is roadside assistance. This benefit gives your family the added peace of mind that comes with knowing your child will not be stranded alone in the event of a breakdown or other issue that causes them to need assistance. When you are considering the appropriate policy for all of your drivers, it’s not just collision and damage coverage that you should consider. There are many auto insurance policies that provide services in addition to coverage, and these services may now be of more use to your family once you have a teenage driver.

Ready to learn more about your options for adding a teenage driver to your auto policy, give the team at Robnett Integra Insurance Services a call to set an appointment. If you are in the greater Brownwood, TX area, we would welcome the opportunity to work with you and your family.