Protect your wheels
Students who leave their car in home-or those taking on campus while keeping the permanent address of the car to their Parents-can remain on family policy. (If you garage to the house while you are away at school, ERIE will strike up to 25 percent on your premium.) Things change, however, when the car moves constantly with the young adult.
"When you go on your own, you will need to purchase your own policy under the new address and change your driving license if you move permanently out of state," says Dave Freeman, Vice President and Director, Personal Lines Underwriting.
Like all auto ERIE clients, less experienced drivers like to know they have additional coverage and their comprehensive coverage standard without additional cost or premium.
"Young people are more likely to take advantage of our coverage lockout that pays up to $ 50 off the fee of a locksmith," said Freeman. "We will also pay for a rental car or a taxi if the car is out of service due to a covered loss." (Learn more about these and other extras included.)
Freeman adds that drivers should also consider optional benefits such as using the service road that provides reimbursement for towing, working or transportation; uninsured or underinsured coverage if the other driver has no auto insurance or enough of it; your injuries, and medical payments to cover medical benefits or death in an accident.
Tips to keep your car safe
reduce the likelihood of incurring any of these undesirable situations by following some smart pieces of advice. (They'll also reduce your premiums and the chances you have to shell out to cover your franchise as an added bonus, as most insurers, REA does not offer drivers more expensive adult rate until they turn 24 . *) * ERIE use the notation of adults to the renewal date after your 24th birthday, when many other insurers do not offer adult rate into your late 20's.
- Be a safe driver. not only keep yourself and other motorists safe, but also give your portfolio a boost. "The most important things that increase premiums are accidents and tickets," says Freeman. Observe the posted speed limits, obey the rules of the road, and, above all, avoid calling or texting while driving.
- keep a maintenance schedule. Mom and dad do not care of things take longer, so your car to show some love by keeping the Check the air filter, the level liquid automatic transmission on the gauge, accessories, belts, brake fluid, battery, power steering fluid and coolant. also check the windshield wipers and the amount of washer fluid, hoses, the wiring and the oil level on the dipstick. also check the tires and keep them properly inflated.
- Protect your key. More often than stolen cars when owners leave the keys in the open or somewhere obvious as under the carpet or visor.
- Take extra precautions with used cars. Some like the cheap car rebuilt titles that were rebuilt after being damaged by unreliable. "For about $ 50 you can find out for sure by having a mechanic look it over before you buy," says Freeman.
- Keep an extra long-distance or just avoid some-vehicles. Agent Rochester Rhett Van Scoter said he sees a lot of windshield damage resulting debris escape the landscaping and dump trucks. His solution :. Pull and let
- Hide high value of things. Van Scoter says most flights occur when items like GPS devices, computers and iPods are left in full view of passersby. Reduce temptation by putting them in a bag or store in your trunk
on another note, if you think that parking in a busy area lowers the risk of flight, think again. "a smash and theft -go takes less than 30 seconds and most thefts occur in parking lots with a lot of foot traffic, "said Van Scoter
Young, Fabulous - and assured :. Part 1
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