Why an Independent Insurance Agent

Independent insurance agents give you options.

Independent agents are not captive to a direct insurance company, they have access to multiple carriers. They aren’t working for an insurance company directly so they offer the consumer multiple carriers to choose from. For consumers who like to have choices, an independent agent offers choices.

Independent agents have access to more products, which means they are a one-stop shop for all of your insurance needs. Whether you need auto, home, pet, life or business insurance, an independent agent offers the solutions you need.

Independent agents give you choices between multiple insurance companies, which gives you the power to choose the best deal. Since many factors go into an insurance quote, one carrier will likely have a different quote than another carrier so getting multiple quotes provides the consumer with options.

Independent agents are committed to you rather than a carrier. They are focused on creating a relationship with each client.

Independent agents are a great choice to help you get the best insurance deal while also being your point of contact for any insurance related questions.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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Our Newest Insurance Partner

At the Jason Wright Insurance Agency, we’ll work with you to understand your unique insurance needs. We’ll follow up with many fine insurance providers to deliver high-quality, affordable insurance options tailored to deliver the value and coverage you’re seeking.
Call us today at 812-402-9008 to get free insurance quotes.
Our newest partner:
Jason Wright Insurance is independently owned and locally operated to handle your insurance needs. We focus on the Evansville, Indiana area and offer affordable and reliable insurance choices all across Southern Indiana and Western Kentucky.

JASON WRIGHT INSURANCE AGENCY: FOR THE RIGHT INSURANCE, CHOOSE JASON WRIGHT INSURANCE. CALL FOR A QUOTE TODAY AT 812-402-9008.

10 Car Insurance Questions Parents Should Ask Their Insurance Agent

When your teen is about to get a driver’s license, you need to start thinking about youthful driver insurance. Whether your teen will drive a family car or a car of their own, you still need car insurance. And like most parents, you probably have a lot of questions.

Jason Wright Insurance will try to briefly answer some of the most common questions parents have about car insurance for young or new drivers.

1. Why is car insurance for teens so expensive?

Maybe you actually have asked this question—a lot. But do you know the real answer? Simply put, teen drivers are the riskiest age group to insure.

                                                                                                                                                                   963,000 drivers aged 16 to 19 were involved in police-reported motor vehicle crashes in 2013, resulting in 383,000 injuries and 2,865 deaths (AAA).

Motor vehicle crashes are the leading cause of death among 15- to 20-year-olds (National Center for Health Statistics).

Most experts agree that immaturity and lack of driving experience are the two main factors that cause teen drivers to have such a high crash rate. Because they are new drivers, teens often fail to recognize hazardous situations and don’t respond appropriately. In addition, teens are more likely to engage in risky activities such as speeding and tailgating.

2. What Makes Teenagers More Prone to Accidents?

Teens as a group are risky drivers. In addition to immaturity and an inability to appropriately recognize risky situations, they face numerous risk factors that impact their likelihood of getting into accidents.

  • Low risk perception: How many times have you said, “My teenager thinks she is invincible”? Unfortunately, this statement is often true, even when teens are behind the wheel of a car. Young drivers underestimate the risks they face and overestimate their ability to respond.
  • Risk taking: Invincibility, again. Teen drivers are more likely to engage in risky driving behaviors like speeding, tailgating, running red lights, violating traffic rules, making illegal turns, passing dangerously, and failing to yield.
  • Skill deficiencies: Young drivers are new drivers. They haven’t yet mastered the skills they need to stay safe.
  • Alcohol and drug use: Unfortunately, substance abuse is a leading cause of serious crashes among teen drivers. And teens with alcohol or drugs in their system are even more prone to crashes than older drivers who may have consumed similar substances.
  • Distraction: Teens are easily distracted by many things, including having their friends in the car while they drive. In fact, the fatality risk of 16- and 17-year-old drivers is three times higher when they are driving with passengers than when they are driving alone.
  • Night Driving: Night driving takes practice, and teen drivers are less experienced night drivers than their adult counterparts. In addition, teens are more likely to be tired and even under the influence of drugs or alcohol at night.

3. When are teens added to a car insurance policy—when they get a learner’s permit, or when they get a driver’s license?

Requirements for adding teen drivers to your insurance policy vary among states and insurance companies, especially during the time a teen has their learner’s permit. Some insurance companies base their rules strictly on whether or not the teen has a license, while others base their requirements on the age of the teen. Jason Wright Insurance can help you determine when you need to report your teen driver to the insurance company.


4. If my teen has a driver’s license but does not drive, will my insurance rates still increase?

The short answer is yes. Insurance companies have no way of knowing if your teen is or isn’t actually driving. Also as mentioned before teens are risky and unpredictable. They could jump behind the wheel of a friend’s car without your knowledge and in this case they would still need protection.

If you’re trying to keep premiums down while your teen is licensed and certain they never drive, you could have them surrender their license to the DMV. The DMV will likely provide written documentation of that surrender which can be given to your insurance company as proof. Some companies may lower your rates in this case, but the are not obligated to do so.


5. Should I put my teen driver on their own car insurance policy to save money?

Adding a teen driver to your car insurance policy can potentially raise your rates significantly (anywhere from 20% to 180% depending on your state), but it is always best to add your teen to your family policy rather than purchase a separate policy. In one example cited by Consumer Reports, adding a 16-year-old driver to a married couple’s family policy resulted in a 250% increase in premiums. If that teen is insured separately, the rates could be even higher.

If you purchase a separate policy for your teen driver, you might be tempted to purchase insufficient coverage limits or exclude them from your other policies. This is never a good idea in a family where any driver could operate any of your vehicles at any time.


6. Will we have coverage if my teen has an accident but is not on my insurance?

There might be coverage if an uninsured teen driver is involved in an accident, the majority of policies in the U.S. cover all members of the household without you having to report them as drivers. However, some policies may restrict coverage for family members to those that were reported to the company when the policy was put in place. If for some reason your teen was specifically excluded from your auto insurance policy, you will not have coverage for the accident.


7. When, if ever, do teen auto insurance rates begin to go down?

Typically, teen driver insurance rates tend to drop after the driver experiences three years with a clean driving record. Depending on your state, rates may drop by 50% after three accident- and ticket-free years, with another drop after six years with a clean driving record. After age 25, car insurance rates should go down again (if the driving record remains clean).


8. How can I save money on my teen driver insurance premiums?

Be sure to shop around for car insurance quotes for your teen, as rates vary among insurance companies. Insurance companies offer a variety of discounts that apply to teen drivers. These include:

  • Good student discount
  • Defensive driving discount
  • Low-mileage discount
  • Safety features discount
  • Multi-policy discount
  • Driver monitoring discount

Jason Wright Insurance can help you find an insurance company that offers a variety of teen driver discounts.


9. How much will my car insurance premiums go up if my teen has an accident or gets a speeding ticket?

If your teen driver cannot keep a clean driving record and is instead involved in a crash or receives a speeding ticket, expect your rates to increase significantly—perhaps as much a 20% to 40%. And insurance companies are not simply punishing you; teen drivers represent a significant portion of the costs related to motor vehicle injuries in the U.S.

According to the Centers for Disease Control and Prevention, young people aged 15 to 24 represent only 14% of the U.S. population, but they account for 30% ($19 billion) of the total costs of motor vehicle injuries among males and 28% ($7 billion) of the total costs of motor vehicle injuries among females.


10. Does the type of car that teens drive affect premium costs?

Yes, and while teen rates are always going to be high, the car you choose will help you save some money. Your teen may fantasize about a fast sports car or a powerful SUV, but the best cars for teens are mid-sized sedans. From an insurance perspective, small cars are considered less safe, while sports cars encourage speeding. Large trucks or SUVs are more prone to rollover crashes. The best idea might be to provide your teen with a somewhat older vehicle that will cost less if it is involved in an accident, and that doesn’t come with any of the inherent safety concerns of other types of vehicles.


How to Find the Right Insurance for New Drivers

Finding good car insurance for teens and keeping rates under control is far from simple. Get your teen started on the right foot by making sure they take a high-quality drivers education course and have plenty of behind-the-wheel experience before you allow them to head out on the road.

In order to find high-quality coverage that addresses your family’s specific needs, you should work closely with a local, independent agent who has experience working with families and teen drivers. At Jason Wright Insurance, we can obtain quotes from multiple, reputable insurance companies so you can find the best combination of cost and coverage for your needs. What’s more, we will help you get all of the auto insurance discounts that your teen is eligible for.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Car Wash-Preserving Your Car’s Value

carwash

Clean Your Way to a Longer-Lasting Car

Motor vehicle corrosion is a billion-dollar problem in the United States, according to the Federal Highway Administration. And, no wonder. Road salt, tree sap, mud, pollution and even dead bugs and bird poop all contribute to a year-round assault on your vehicle here in Evansville, potentially leading to serious damage and pre-mature aging.

Safety is also an issue. Grime across your windshield and windows restricts visibility in all directions, and even a light coating of dust or pollen can impair your vision, especially at night or when driving into the sun’s glare.

That’s why we here at Jason Wright Insurance encourage you to visit your local car wash regularly. Washing your car removes dirt, residues and pollutants that degrade your paint finish and corrode the underlying metal. It’s like anti-aging cosmetics for your automobile!

But, is hand washing at home or visiting a commercial car wash your best bet? While both lead to a clean vehicle, you’ll cut your water usage in half by going to a commercial facility and help keep toxins and soap away from street drains, which can lead to local waterways. As a bonus, some commercial facilities recycle their water.

No matter which method you choose, these five tips will help you get the most out of your car-cleaning routine:

  1. Wash often. The longer tree sap, dead bugs and other gunk sit atop your paint, the more damage they can cause.
  2. Avoid abrasive soaps, cloths and sponges that can grind dirt deeper into your paint finish.
  3. Wash the undercarriage thoroughly to help prevent rust, especially after driving on road salt in the winter.
  4. Don’t forget the headlights. When you’re driving at night, in the rain or through an unfamiliar neighborhood, you want every lumen of illumination you can muster.
  5. Consider eco-friendly car soaps, such as biodegradable or waterless products, to help lighten the environmental impact of washing your car more often.

And, when you’re all done? Finish up with a good waxing to give your car extra protection and shine.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Lightning Safety

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Lightning Facts and Fallacies

The next time you see or hear a thunderstorm, you might want to take a moment to review what you know about lightning safety. Strikes are most common during the summer thunderstorm season, but they can happen at any time of the year. And, a lot of less-than-accurate ideas about lightning have found a place in the popular imagination over the years. Here’s a look at current knowledge.

Indoor Safety

  • The safest place to be during a storm is typically indoors, but it is important to avoid anything that conducts electricity – metal, landline phones, appliances, wires, TV cables and plumbing.
  • Automobiles can be safe havens thanks to the metal frame that diverts the electrical charge. Don’t lean on the doors during a storm, though.

Outdoor Safety

  • Don’t look for shelter under a tree. If lightning hits its branches, a “ground charge” could spread out in all directions.
  • Don’t lie flat on the ground. This makes you even more vulnerable to a ground charge.
  • Don’t crouch down. Once recommended, the “lightning crouch” has been discredited – it’s not likely any safer than standing if you’re outside during a storm. Instead, get inside or into a car.

Where Strikes Will Happen

  • Contrary to folk wisdom, lightning does indeed strike twice in the same place. The best example is New York City’s Empire State Building. It was once a lightning laboratory due to being struck scores of times every year.
  • Lightning doesn’t only strike the tallest objects. Although tall, pointy, isolated objects are often hit, lightning has been known to hit the ground instead of buildings and parking lots instead of telephone poles.
  • The presence of metal doesn’t affect where and if lightning will strike. Neither mountains nor trees contain metal, and both get struck. However, metal is a conductor of electricity, so avoid it during any storm.
  • Strikes don’t just happen in areas where rain is falling. Even if you’re miles away from a thunderstorm, lightning can still occur.

Finally, it’s important to remember that you won’t be electrocuted if you touch someone who has been struck – the human body doesn’t store electricity. So, by all means, give a lightning strike victim first aid. You might just save a life.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Driving Tips for Rainy Weather

rainy

7 Tips to Help You Handle Rainy Days Behind the Wheel

At some point, every driver in Evansville has to deal with rainy weather. But, many don’t know what to do, so they just drive as they normally would.

However, with slick roads, flooded streets and reduced visibility, that can be a recipe for disaster. So instead, follow these simple tips for safer rainy day travels.

  1. Stay visible. Turn on your headlights so you can see — and be seen — more easily.
  2. Be patient. Give yourself more time to get where you’re going, and give people more room. Increase your following distance two to three times.
  3. Expect slippery conditions. Rain often combines with oil and grease buildup to create slick roadways. Not to mention you can hydroplane — meaning your tires are riding on water instead of pavement — at speeds of as little as 35 mph. If it happens, slow down, gently apply your brakes and keep steering straight ahead.
  4. Check your car’s systems. How are your wipers? Do your blades need to be replaced? What about your defroster? Driving in the rain is hard enough; don’t do it with fogged-up windows, too.
  5. Inspect your tires. Are they inflated properly? Do you have enough tread? Put an upside-down penny into the tread. If you can see Lincoln’s entire head, you probably need new tires.
  6. Never drive in flooded areas. In a flood, it won’t take much water to sweep you away, believe it or not — just 12 inches for a smaller car or 24 inches for almost any vehicle, according to the National Weather Service, which advises, “turn around, don’t drown.”
  7. Get – or stay – off the road. When conditions are really bad, pull over and take a break. Or, if you can, just stay home. You’ll probably be happier to stay out of the weather, anyway! And you’re certainly likely to be safer.

With a little extra care, you can help keep your car on the road and your rainy day blues to a minimum even while traveling in wet conditions. And, as always, if something does go wrong, we’re here to help guide you through it.

Contact Us!

At Jason Wright Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 812-402-9008 or send us a note at jason@jasonwrightinsurance.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Our Newest Insurance Partner

At the Jason Wright Insurance Agency, we’ll work with you to understand your unique insurance needs. We’ll follow up with many fine insurance providers to deliver high-quality, affordable insurance options tailored to deliver the value and coverage you’re seeking.

Call us today at 812-402-9008 to get free insurance quotes.

Our newest partner:

Allied Logo

Jason Wright Insurance is independently owned and locally operated to handle your insurance needs. We focus on Evansville, Indiana and offer affordable and reliable insurance choices all across Indiana.

Jason Wright Insurance Agency: For The Right Insurance, Choose Jason Wright Insurance. Call for a quote today at 812-402-9008.