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...quarter of fatal crashes involving young drivers resulting from drinking and driving.... parents of high school aged teenage drivers, providing an overall error margi...

... injured in an accident than their younger counterparts, and to suffer more se...anti-lock brakes. Bear in mind that drivers can use some of these methods at ...

...al, or even legal, trouble. Dan Young, Senior Vice President of Insurance R...arns, “[After an accident] sometimes drivers just don't do what they’re suppos...

TIP! Before you purchase a car, it's important to talk to your insurance agent first. Ask your insurance agent to tell you which cars will get the best rates. Car insurance is important and something you must have if you wish to drive a car. Shopping for auto insurance can quickly become overwhelming with so many companies and options to consider. Read on to find some useful tips on how to sort through all the information so that you can get the right amount of coverage for the best price. TIP! If you have a teen driver you should request two separate quotes, one with your child on your policy and one with your child on a stand-alone policy. Sometimes it is better to simply purchase a separate policy for the second car and your teenaged child. Avoid getting any infractions on your driver's license. You can pay more on insurance if you have tickets and accidents on your record. If you do have an accident or get a ticket, consider attending traffic school. This can often offset the increase in your insurance costs. TIP! It is required by most state laws that you have sufficient liability insurance as a driver. You need to be aware of the regulations regarding minimum insurance coverage in your state. When purchasing auto insurance for your teenager, consider your options. In some cases, it would be cheaper for you to get a separate plan for your child, than it would be to add him or her to your current one. In some cases, you may want to insure your teenager separately. TIP! Try to not add any after-market parts unless you really need them. Some things are nice to have, but ask yourself if the money you are spending is really warranted. Your vehicle's make and model is the number one influencing factor on your auto insurance rates. Depending on your taste in vehicles, from a luxury model hybrid to a beat up gas guzzler, your insurance premium will reflect that taste. Choose something nice, safe and reliable over a flashier option to save big on insurance bills. TIP! Property damage liability is important to buy with any auto insurance policy. If you cause property damage in an accident, this type of coverage will protect your assets. Switching cars between different family members is not advisable if you want low premiums. If there is a 1:1 correspondence between people and cars, your auto insurance will cost less. Property Damage TIP! Think about taking some coverage items off of your automobile insurance. If your vehicle is older and less valuable and your policy includes collision insurance, it may not be worthwhile to keep paying for it. When purchasing new auto insurance, you should always be sure you have property damage liability. If you don't you may find that you are paying out of pocket for the mess you create when you have an accident. Most states actually require you to maintain property liability insurance. Buying property damage coverage will protect you from costly lawsuits that might follow from an accident. TIP! Contact a representative of your vehicle insurance provider to request a complete list of available discounts. Comb through the list, and consider which ones you are eligible for. Consider getting a car that is not so sporty. Sports cars cost significantly more to insure than many others. Try a car that isn't so high-profile. Larger motors cost more in insurance premiums as well. Expensive vehicles are frequently targets of theft. This factors into your insurance cost. TIP! It is important to know about the different types of coverage. You should be certain that you have a policy that covers any possible incident.

...er who left behind a widow and two young children, one with severe autism. ... telling Ngyuen in Vietnamese how her youngest son, Steven, keeps asking her t...

Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits