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Kansas City, MO 64111

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Survival Guide for Parents of Teen Drivers

Watching your teenager drive off in a car is one of the most daunting moments of any parent’s journey. Not only do you fear for their safety, but you also worry about the impact of adding a new driver to your insurance premiums. There are some steps you can take to reduce your worries on both fronts. 

Safe Driving Rules: 

  • Most of us use our phones for navigation or music while driving, and your teen is likely no exception. To reduce the distraction, instill a habit of turning off all notifications. Better still to have an out of sight, out of reach place for the phone until they reach their destination. 
  • Safety courses can not only give your child better driving habits, and they can also potentially help reduce your rates.
  • Telemetrics is a helpful nanny while your child is out on the road. These are apps or devices that monitor driving habits. Some insurance companies offer discounts for good driving. Your child will know their habits are being recorded and that knowledge can keep them mindful of their driving behavior. 
  • Check out safety ratings for possible rides. Not only will safety features bring you greater peace of mind, but they will also potentially offer a better rate on your premiums. 

Important Considerations

  • Tell your insurance about new drivers. If an accident occurs without that update, you run the risk of a denied claim or suspended policy. 
  • Consider adding an umbrella policy. Should the worst occur and your coverage is insufficient, an umbrella policy becomes a rainy day fund to protect your family’s financial wellbeing. 
  • Roadside assistance is another good addition. Should they land in a ditch or pop a tire, they’ll have the help they need. 

When it comes time to get your teen insurance coverage, it’s often cheaper to add them to your existing policy rather than start them a new one. When you are ready to look at your options, call or stop by Midwest Professional Insurance to find the policy that offers you and your family the best protection. 

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Watching your teenager drive off in a car is one of the most daunting moments of any parent’s journey. Not only do you fear for their safety, but you also worry about the impact of adding a new driver to your insurance premiums. There are some steps you can take to reduce your worries on both fronts. 

Safe Driving Rules: 

  • Most of us use our phones for navigation or music while driving, and your teen is likely no exception. To reduce the distraction, instill a habit of turning off all notifications. Better still to have an out of sight, out of reach place for the phone until they reach their destination. 
  • Safety courses can not only give your child better driving habits, and they can also potentially help reduce your rates.
  • Telemetrics is a helpful nanny while your child is out on the road. These are apps or devices that monitor driving habits. Some insurance companies offer discounts for good driving. Your child will know their habits are being recorded and that knowledge can keep them mindful of their driving behavior. 
  • Check out safety ratings for possible rides. Not only will safety features bring you greater peace of mind, but they will also potentially offer a better rate on your premiums. 

Important Considerations

  • Tell your insurance about new drivers. If an accident occurs without that update, you run the risk of a denied claim or suspended policy. 
  • Consider adding an umbrella policy. Should the worst occur and your coverage is insufficient, an umbrella policy becomes a rainy day fund to protect your family’s financial wellbeing. 
  • Roadside assistance is another good addition. Should they land in a ditch or pop a tire, they’ll have the help they need. 

When it comes time to get your teen insurance coverage, it’s often cheaper to add them to your existing policy rather than start them a new one. When you are ready to look at your options, call or stop by Midwest Professional Insurance to find the policy that offers you and your family the best protection. 

How to Determine How Much Auto Coverage is Enough?

Trying to determine what auto insurance coverage you need can be like speaking a foreign language. Luckily the team at Midwest Professional Insurance can answer all of your questions. When deciding what coverage to carry, it is important to guarantee that you have not only enough to meet the minimum requirements of your state, but also that you’ve secured enough coverage that your personal finances will be amply guarded if you are in an accident. 

To determine your auto insurance coverage needs:

  • Find out what your state requires. Make sure you have all minimum requirements met.
  • Find out what the cash value of your car is and how much you owe on the vehicle. (This is integral particularly for Comprehensive and Collision coverage which are often not required by state law, but are usually required by lenders.
  • Figure out what your net worth is and how much liability insurance you would need to cover that full amount. For example, your state might only require a minimum coverage of $25,000 for a single person’s injuries, $50,000 for all injured parties and $25,000 for property damage (or 25/50/25) but if your vehicle itself is worth $30,000 this would be woefully inadequate coverage for you and you would be wise to purchase higher coverage amounts in order to make sure you are fully protected.

The level of coverage you carry will have an impact on your monthly premium and your deductible, so it is vital to take the factors mentioned above into consideration to decide what is acceptable to keep at a minimum and what you should bump up. The team at Midwest Professional Insurance is waiting to help you determine what level of coverage is right for you!

Read More

Trying to determine what auto insurance coverage you need can be like speaking a foreign language. Luckily the team at Midwest Professional Insurance can answer all of your questions. When deciding what coverage to carry, it is important to guarantee that you have not only enough to meet the minimum requirements of your state, but also that you’ve secured enough coverage that your personal finances will be amply guarded if you are in an accident. 

To determine your auto insurance coverage needs:

  • Find out what your state requires. Make sure you have all minimum requirements met.
  • Find out what the cash value of your car is and how much you owe on the vehicle. (This is integral particularly for Comprehensive and Collision coverage which are often not required by state law, but are usually required by lenders.
  • Figure out what your net worth is and how much liability insurance you would need to cover that full amount. For example, your state might only require a minimum coverage of $25,000 for a single person’s injuries, $50,000 for all injured parties and $25,000 for property damage (or 25/50/25) but if your vehicle itself is worth $30,000 this would be woefully inadequate coverage for you and you would be wise to purchase higher coverage amounts in order to make sure you are fully protected.

The level of coverage you carry will have an impact on your monthly premium and your deductible, so it is vital to take the factors mentioned above into consideration to decide what is acceptable to keep at a minimum and what you should bump up. The team at Midwest Professional Insurance is waiting to help you determine what level of coverage is right for you!

Is basic auto insurance coverage ever enough?

Owning and driving a car is a privilege that most people take for granted. Your vehicle is a necessity to get to work and to run errands. Having good auto insurance means that you are protected if you are in an accident or your vehicle is damaged by something beyond your control. To understand if basic auto insurance coverage is ever enough, you need to understand what basic auto insurance coverage is. At Midwest Professional Insurance, we offer affordable and reliable insurance choices to those in Kansas, Illinois, and Missouri. 

In Kansas, the basic coverage every auto insurance policy must have is 25/50/25 liability coverage, which is $25,000 in bodily injury with $50,000 per accident and $25,000 in property damage. Uninsured/underinsured motorist of $25,000 and $50,000 and PIP (Personal Injury Protection) coverage. This is all valuable protection, and it covers the other motorist and yourself if you are injured, but it doesn’t cover your vehicle if you are responsible for the accident.

Basic auto insurance is enough if the value of your vehicle is minimal. If it is old or a clunker, you probably don’t need any additional coverage, but if you have a car with more than a few thousand dollars of value, collision and comprehensive coverage will make it possible to get your vehicle repaired or replaced. Comprehensive covers for things beyond just a collision, such as theft or damage due to a weather event or vandalism. If you need your car to get around, you probably should have more than just basic coverage. 

If you live in Kansas or the Illinois area, our team can help you find reliable auto insurance. At Midwest Professional Insurance, we are locally owned and operated. We strive to be a trusted choice who can help make sure you get the right insurance for your needs. Give us a call or stop into our office and let us provide a no-obligation quote. 

Read More

Owning and driving a car is a privilege that most people take for granted. Your vehicle is a necessity to get to work and to run errands. Having good auto insurance means that you are protected if you are in an accident or your vehicle is damaged by something beyond your control. To understand if basic auto insurance coverage is ever enough, you need to understand what basic auto insurance coverage is. At Midwest Professional Insurance, we offer affordable and reliable insurance choices to those in Kansas, Illinois, and Missouri. 

In Kansas, the basic coverage every auto insurance policy must have is 25/50/25 liability coverage, which is $25,000 in bodily injury with $50,000 per accident and $25,000 in property damage. Uninsured/underinsured motorist of $25,000 and $50,000 and PIP (Personal Injury Protection) coverage. This is all valuable protection, and it covers the other motorist and yourself if you are injured, but it doesn’t cover your vehicle if you are responsible for the accident.

Basic auto insurance is enough if the value of your vehicle is minimal. If it is old or a clunker, you probably don’t need any additional coverage, but if you have a car with more than a few thousand dollars of value, collision and comprehensive coverage will make it possible to get your vehicle repaired or replaced. Comprehensive covers for things beyond just a collision, such as theft or damage due to a weather event or vandalism. If you need your car to get around, you probably should have more than just basic coverage. 

If you live in Kansas or the Illinois area, our team can help you find reliable auto insurance. At Midwest Professional Insurance, we are locally owned and operated. We strive to be a trusted choice who can help make sure you get the right insurance for your needs. Give us a call or stop into our office and let us provide a no-obligation quote. 

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