1. Bundle Your Policies

Did you know that bundling your auto insurance with your home or life insurance can save you a ton of money? Insurance providers, including Parson Insurance Agency, offer discounts when you bundle multiple policies. It’s an easy way to save while making sure all your coverage is in one place.

2. Drive Safely

Your driving habits can directly impact your insurance premiums. Insurance companies reward safe drivers with lower rates. Keep a clean driving record and take advantage of discounts if you’ve been accident-free for years. Plus, defensive driving courses can sometimes lower your rates, too.

3. Choose a Car with Low Insurance Costs

It’s not just about the price of the car; it’s also about the cost to insure it. Cars with better safety ratings or lower repair costs usually cost less to insure. When you’re choosing your next car, consider both the price tag and how much it’ll cost to insure.

4. Adjust Your Deductible

If you’re comfortable paying a little more out of pocket in case of an accident, consider raising your deductible. While it means paying a higher amount upfront if you file a claim, it can significantly lower your monthly premiums.

5. Ask About Discounts

There’s a good chance that you’re missing out on discounts that could lower your rates. Things like being a good student, driving fewer miles, or having certain safety features in your car can qualify you for discounts. At Parson Insurance Agency, we’re always looking out for ways to help our clients save.

By following these simple steps, you can enjoy peace of mind on the road without breaking the bank. Get in touch with us at Parson Insurance Agency for a quote and let us help you find affordable auto insurance that fits your needs.

Teen Drivers 

Teenagers often face the highest auto insurance costs. Why? They have less driving experience, making them more likely to be involved in accidents. Insurance companies look upon young drivers as high-risk, which leads to higher premiums. 

Young Adults 

As drivers enter their 20s, their insurance rates start to decrease only if they maintain a clean driving record. However, young adults are still considered risky due to their driving habits. If you're in this age group, maintaining a good credit score and avoiding traffic violations can help lower your insurance costs.

Middle-Aged Drivers 

The lowest insurance rates usually go to drivers in their 30s, 40s and 50s. These drivers have more experience and tend to be more responsible on the road. Insurance companies reward safe driving, so keeping a clean record and bundling auto insurance with home or life insurance can save you even more money.

Senior Drivers

Once drivers reach their 60s and beyond, insurance rates may start to rise again. While seniors have years of experience, some insurers believe that age-related factors like slower reaction times, can increase accident risks. Taking a defensive driving course and updating your coverage can help manage costs.

Your auto insurance costs will change as you age, but you can always take steps to keep your premiums affordable. Maintaining a good driving record, taking benefits of discounts and choosing the right insurance coverage can make a big difference. No matter your age, having the right insurance protects you on the road and gives you peace of mind.

1. Map Your Route

A well-planned route helps you maximize your time on the road, but the best road trips often include unexpected detours. Use a GPS app to chart your main course while allowing time for scenic stops, quirky roadside attractions and those must-try local diners. Apps like Google Maps or Roadtrippers can help find points of interest along the way.

2. Get Your Car Road-Trip Ready

A car breakdown in the middle of nowhere is every car driver's nightmare. Before you head out, make sure your vehicle is in top shape. Check the oil, tire pressure, brakes and battery. If it's been a while since your last service, take your car to a mechanic for a quick check-up. Keep an emergency kit, spare tire, jumper cables and a first-aid kit in the trunk.

3. Pack Smart and Light

Overpacking can cramp your ride, so stick to the essentials: comfortable clothing, chargers, a first-aid kit, snacks and plenty of water. Consider downloading road trip playlists, podcasts and audiobooks to keep the journey entertaining.

4. Plan for Safety and Coverage

While road trips are fun, preparation is key to staying safe. Ensure you have roadside assistance as part of your auto insurance plan. Keeping a physical map as a backup is always a good idea in case of GPS failures.

5. Budget for the Unexpected

Gas, food and lodging add up, so plan a budget that includes an emergency fund. Unexpected expenses like car repairs or medical needs can arise and having the right insurance policy ensures financial peace of mind.

6. Capture the Moments, Not Just the Miles

Take breaks, soak in the views and enjoy the ride. Whether it's a sunset over the beach or a quirky roadside attraction, these moments make road trips unforgettable.

So buckle up, hit the road and drive confidently—because with the proper planning (and auto insurance!), your road trip will be as smooth as the highway ahead. 

1. Roadside Assistance

If you're stuck on the side of the road with a flat tire or a dead battery, getting help can be a hassle. Roadside assistance ensures you're never left stranded, offering services like towing, jump-starts, and fuel delivery. It's a reliable backup for those unexpected moments on the road.

2. Rental Car Reimbursement

Accidents are unpredictable, but life doesn't stop while your car is in the shop. With a rental car reimbursement add-on, the cost of a rental vehicle is covered, allowing you to maintain your daily routine without unexpected expenses. It's a small price to pay for a hassle-free solution.

3. Gap Insurance

If your car is totaled in an accident, your insurer pays only the current market value—not what you owe on your loan or lease. That's where gap insurance comes in. It covers the difference between what your car is worth and what you owe. This add-on is especially valuable for newer vehicles or if you've financed your car.

4. New Car Replacement

Losing a new car in an accident is heartbreaking, especially when its value depreciates as soon as you drive it off the lot. New car replacement policy coverage ensures you can replace your car with the same make and model, sparing you the financial hit of depreciation.

5. Uninsured/Underinsured Motorist Coverage

Not everyone driving has sufficient insurance coverage. If you're experiencing an accident with an uninsured or underinsured driver, this add-on helps cover medical bills, vehicle repairs, and other expenses. It provides peace of mind for unexpected situations.

Auto insurance add-ons might seem like an extra expense, but they're investments in your safety, convenience, and financial protection. These five options—roadside assistance, rental car reimbursement, gap insurance, new car replacement and uninsured/underinsured motorist coverage—offer excellent value and could save you significant stress and money down the road.

Talk to us today to see how these add-ons can enhance your policy. After all, a small add-on can make a big impact when it comes to your car and peace of mind!

1. Ensure Safety First

The first priority after an accident is your safety. If it’s a minor accident and your car is drivable, move it to the side of the road to avoid blocking traffic and reduce the risk of further collisions. Turn on your hazard lights, and if it’s dark, use flares or reflective triangles to alert other drivers.

If there are injuries, call 911 immediately. Even if injuries seem minor, it’s always better to err on the side of caution and get medical help. Remember, your health is more important than anything else.

2. Stay Calm and Avoid Arguments

Accidents can stir up emotions, but staying calm is vital. Avoid assigning blame or engaging in arguments with other parties involved. Instead, focus on gathering information. Any statements made in the heat of the moment can be used against you later, so it’s best to stick to the facts.

3. Document Everything

Accurate documentation is key to protecting yourself and ensuring a smooth insurance claim process. Here’s what you should do:

• Exchange Information: Gather names, phone numbers, address, license numbers and insurance data from all parties involved.
• Take Photos: Use your smartphone to capture the scene, including vehicle damage, license plates, road conditions, and any visible injuries.
• Note Witnesses: If there are witnesses, ask for their contact information. Neutral third-party accounts can be helpful in establishing what happened.

4. Contact Your Insurance Company

Let your insurance company know about the accident as early as possible. Provide them with all the information you’ve collected and be honest about what happened. Many insurance companies offer 24/7 support and will guide you through the claims process. Be sure to review your policy so you understand what is covered.

5. Seek Medical Attention

Even if you feel fine, it’s a good idea to see a doctor. Some injuries like whiplash or internal trauma, may not show symptoms immediately. Documenting your medical condition promptly can also strengthen your case if you need to claim medical expenses.

6. Prepare for the Future

Accidents act as a reminder of the importance of having comprehensive insurance coverage. If you’re unsure whether your policy meets your needs, now is the time to review it. Consider adding coverage options like roadside assistance, rental car reimbursement, or uninsured motorist protection for added peace of mind.

Being involved in an accident is stressful, but having a plan in place can make all the difference. By staying calm, documenting everything, and working closely with us, you can ensure a smoother recovery process. Remember, we are here to help you—so lean on them in times of need.

Here's a step-by-step guide to ensure your car insurance is holiday-ready:

1. Review Your Current Coverage

Start by digging out your car insurance policy and giving it a close look. Check what's covered and what's not. Do you have comprehensive coverage? This is the part of your policy that helps if your car is stolen, vandalized, or damaged by falling tree branches or hail—common holiday-season hazards.

Liability insurance will not fix your car, but it will cover damage you cause to others. Ensure you have collision coverage too, so you're protected if you're in an accident.

2. Check for Gaps in Coverage

Planning to rent a car for your holiday travels? Don't assume your existing policy or credit card will cover it. Some policies don't include rental car coverage, so it's worth calling your insurer to double-check. If you're borrowing a friend's car or they're borrowing yours, find out if your policy covers other drivers or vehicles.

3. Add Roadside Assistance

Dead batteries, flat tires, or running out of gas can ruin any road trip. Including roadside assistance in your policy could save your life. This add-on helps with towing, jumpstarts, and other emergencies, giving you peace of mind when driving long distances during the holidays.

4. Update Your Policy for Holiday Trips

Are you traveling out of state or crossing the border into Mexico? You may need to update your policy or get temporary coverage. Some policies only apply within certain areas, and you don't want to find out the hard way that your coverage doesn't extend to your holiday destination.

5. Protect Your Holiday Gifts

Imagine your car loaded with gifts for your family, only to find it broken into. Personal belongings stolen from your car usually aren't covered by auto insurance. Instead, your homeowner's or renter's insurance might help. Check with your provider to protect your gifts in case of theft.

6. Look for Seasonal Discounts

The holiday season often brings deals, and insurance is no exception. Many insurers offer discounts for bundling policies, safe driving, or installing anti-theft devices. Take a few minutes to ask your insurer if you qualify for any holiday savings.

7. Don't Forget About Weather Hazards

Winter weather can be tough on cars. Make sure your coverage includes damage from icy roads or falling debris. If you live in an area with heavy snowfall, consider adding comprehensive coverage if you don't already have it.

The holidays should be a time to relax and enjoy, not stress about what might go wrong on the road. By taking a few simple steps to review and update your car insurance, you can confidently drive into the holiday season. Stay safe, drive carefully, and enjoy the festivities!

Here are three unexpected situations where having the right insurance coverage could save your trip—and your wallet.

1. Towing and Roadside Assistance: Are You Covered?

No one plans for a flat tire or an engine breakdown in the middle of the road, but it happens more often than you'd think. Imagine you're on a scenic route miles away from the nearest gas station and your car suddenly won't start. Without towing or roadside assistance coverage, you might look at hefty out-of-pocket costs for a tow truck to rescue you.

Many auto insurance policies offer this as an add-on or sometimes include it in more comprehensive plans. If you don't already have this feature, now's the perfect time to check. Trust us, you'll feel a lot more secure knowing you won't be stranded!

2. Rental Car Coverage: Will It Save the Day?

You're on day two of your dream road trip when—bam!—a fender bender leaves your car needing repairs. While insurance may cover the damages, what will you do in the meantime?

Rental car coverage can become a lifesaver in situations like this. If your policy includes rental reimbursement, it will cover the cost of a temporary vehicle while your car is being repaired. Without this coverage, a quick fix could turn into a costly disruption. Before your next road trip, ensure your policy includes this option so nothing gets in the way of your adventure.

3. Uninsured or Underinsured Drivers: Are You Protected?

Here's a scenario: You're driving through an unfamiliar town, enjoying the sights, when another driver runs a red light and hits your car. To make matters worse, they don't have adequate insurance to cover your damages—or worse, they have none at all.

If you have a policy that is uninsured or underinsured, you're protected. This coverage covers damages that the other driver's insurance won't. It's crucial protection for road trips, where you travel through areas with varying insurance laws and driver habits. Don't skip this essential safety net—it can mean the difference between a ruined trip and a quick recovery.

Road trips are full of surprises, but you don't want unexpected insurance issues. Before you hit the road, take a few minutes to review your auto insurance policy. Are you covered for towing and roadside assistance? Do you have rental reimbursement for emergencies? And are you protected from uninsured or underinsured drivers?

If you're unsure or need to make some changes, it's always a good idea to contact us. We can ensure that your policy fits your needs, leaving you free to enjoy the open road without worry. So, before reviving your engine, call us and ensure you're truly ready for the road trip!

What Are Advanced Driving Courses?

Advanced driving courses teach beyond the basics of traditional driving education. These programs are designed to sharpen your driving skills in real-world situations, from handling extreme weather to defensive driving techniques. In the U.S., popular courses include defensive driving classes, evasive driving techniques and high-performance driver education (HPDE).

Insurance companies usually offer discounts for completing these courses, which can be a great incentive. However, the real value goes deeper than reducing premium costs. Let's take a closer look at the benefits.

Enhanced safety

The number one benefit of advanced driving courses is enhanced safety. These programs teach you to anticipate potential hazards on the road, avoid accidents, and make better decisions in dangerous situations. Defensive driving, for instance, equips you with the knowledge to spot and react to aggressive drivers or unexpected obstacles in your path.

Skills for every weather condition

Rain, snow, ice or fog — driving in bad weather can be stressful and dangerous. Advanced driving courses provide training on how to handle these harsh conditions. Whether it's learning how to regain control of your vehicle during a skid or understanding the right speed for wet roads, these courses offer practical skills that go beyond what you learned in driver's ed.

Mastering these techniques can reduce the likelihood of accidents during bad weather, saving you from costly repairs or medical bills. Plus, a safe driving record over time can help maintain lower insurance premiums.

Long-term financial savings

While it's true that completing an advanced driving course can save you on insurance premiums, the actual savings come in other forms. Fewer accidents mean fewer claims on your insurance, which can prevent premium increases. Moreover, avoiding accidents saves you money on vehicle repairs, medical expenses and time lost dealing with paperwork and recovery.

Confidence behind the wheel

There's something to be said for feeling confident while driving. Many drivers feel anxious, especially when driving in unfamiliar areas or during heavy traffic. Advanced driving courses can help reduce this stress by giving you the tools and knowledge to handle any situation. With greater confidence, you'll be less prone to panic in challenging conditions, making you a more effective and calm driver.

In the end, advanced driving courses offer far more than a simple insurance discount. From increased safety to long-term financial savings and peace of mind, these programs provide drivers with life-saving skills. So, while you may initially be motivated by the promise of saving on your auto insurance, the real payoff lies in the knowledge, confidence and safety you'll gain on the road. And that's worth far more than any discount.

1. Electronic stability control (ESC)

First on our list is Electronic stability control (ESC). This feature helps prevent accidents by correcting oversteer or understeer when a vehicle starts to veer off the road. Since it has been proven to significantly reduce the risk of fatal crashes, insurers often offer discounts for vehicles equipped with ESC. It's a standard feature in many newer models, so ensure it's on your checklist.

2. Anti-lock braking system (ABS)

The Anti-lock Braking System (ABS) prevents the wheels from locking up during a hard brake, allowing the driver to maintain control and steer away from hazards. ABS is critical in avoiding crashes and having it can lower your insurance premiums because of the reduced risk of collision.

3. Advanced airbag systems

Advanced airbags go beyond the front-seat inflatables; they include side, rear and knee airbags to protect occupants from multiple angles during a crash. More comprehensive protection means lower medical bills and insurers might reward this with lower rates.

4. Adaptive headlights

Adaptive headlights automatically adjust the direction and range of your vehicle's lights based on the steering wheel angle and speed. This helps improve visibility on curved roads at night and reduce the chances of accidents in poor lighting conditions, which can also help lower your insurance costs.

5. Usage-based insurance programs (Telematics)

Now for the surprise—#5 isn't a built-in safety feature but could save you the most on insurance. Telematics-based insurance programs monitor driving habits such as braking patterns, speed and the time of day you drive. Safe driving metrics can lead to personalized discounts and many drivers are shocked to find out how much they can save by opting into these programs.

6. Automatic emergency braking (AEB)

AEB systems automatically apply the brakes when a potential collision is detected, often before you react. This proactive safety measure is highly regarded by insurers for its effectiveness in preventing crashes, thus reducing the likelihood of claims and lowering your rates.

Knowing these top car features that can help reduce insurance rates provides you with powerful negotiating tools when buying a new car or reassessing your current vehicle's insurance coverage. Each safety feature adds to your driving comfort and safety and presents a potential saving on your premiums. So why wait? Contact us today to see how upgrading your vehicle or opting into a telematics program can lower your insurance costs. Remember, safe driving isn't just good practice—it's also financially rewarding!

1. The immediate hit: Fines and points

When you get a ticket, the first financial hit comes as fines. Depending on the violation and where you live, these fines can range from a modest $50 to over $1,000 for more serious infractions like reckless driving. But that's just the beginning. Many states also assign points to your driving record, which can accumulate and lead to even bigger consequences.

2. The insurance impact: Higher premiums

Insurance companies assess risk and consider traffic violations a red flag. A single speeding ticket can raise your premium by an average of 20%. In case of more serious offenses such as DUI or reckless driving, premiums can rise up to double or triple. Insurers see these infractions as indicators of higher risk, which means you'll pay more to stay insured.

For example, if you paid $1,200 for your car insurance, a 20% increase due to a speeding ticket would increase to $1,440 annually. Over three years—the typical time a ticket affects your insurance—that's an extra $720 out of your pocket.

3. Not all violations are equal

Different violations carry different weights when it comes to insurance. Minor infractions like failing to signal might cause a slight increase, while major violations such as DUIs, can lead to significant spikes in your rates. A DUI could raise your premium by as much as 80% or more. Additionally, accumulating multiple tickets over a short period can result in even steeper increases or in some cases, your insurer may drop you altogether.

4. The long-term effects

The financial pain doesn't stop with the initial increase in premiums. Most traffic violations stay on your record for three to five years, depending on the state and the severity of the offense. This means you could pay higher insurance rates for years after the violation occurs. Some states require drivers with serious violations to carry SR-22 insurance, a more expensive form of coverage that proves you have the minimum required insurance.

Traffic violations are more than an inconvenience—they can have lasting financial consequences. Understanding how these infractions affect your insurance can help you make better decisions on the road. The next time you're tempted to speed or roll through a stop sign, remember: the cost of that ticket is only the beginning.