Should You Add Your Teenager to Your Auto Insurance Policy?

Is your child a teen who has only recently begun to drive? Whether they only have a permit or they’ve received their license, you should look into if it’s ideal to have them placed on your automobile insurance. Higgins & Halloran of the greater Columbia, SC area can help get this setup.

Requirements in Colorado

If you live in South Carolina and have a teen who’s a licensed driver (or who has a permit) and lives at home, you’ll need to add them to your insurance policy if they haven’t gotten insurance of their own. This is also the case if they’re not the primary driver. It can be less expensive than getting them their own policy, but it may increase your rates.

Independence with Auto Insurance

Does your teen work and drive a great deal? If this is the case, it makes more sense to get an auto insurance policy just for them. They can build up experience driving independently and earn lower rates overtime when they do this.

Even if your teen is technically an adult, it’s a good idea to help them get their policy. You might bring your teenager to a local agency to speak to a representative who will discuss their insurance needs and look out for better rates and what extras might be ideal.

Higgins & Halloran serves the Columbia, SC area when it comes to auto insurance and more. You’ll feel more confident getting auto insurance for your teen, whether it’s on your policy or one of their very own when you have a reputable agent on your side to assist with the process. Contact us right away for more information on your first step.

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Is your child a teen who has only recently begun to drive? Whether they only have a permit or they’ve received their license, you should look into if it’s ideal to have them placed on your automobile insurance. Higgins & Halloran of the greater Columbia, SC area can help get this setup.

Requirements in Colorado

If you live in South Carolina and have a teen who’s a licensed driver (or who has a permit) and lives at home, you’ll need to add them to your insurance policy if they haven’t gotten insurance of their own. This is also the case if they’re not the primary driver. It can be less expensive than getting them their own policy, but it may increase your rates.

Independence with Auto Insurance

Does your teen work and drive a great deal? If this is the case, it makes more sense to get an auto insurance policy just for them. They can build up experience driving independently and earn lower rates overtime when they do this.

Even if your teen is technically an adult, it’s a good idea to help them get their policy. You might bring your teenager to a local agency to speak to a representative who will discuss their insurance needs and look out for better rates and what extras might be ideal.

Higgins & Halloran serves the Columbia, SC area when it comes to auto insurance and more. You’ll feel more confident getting auto insurance for your teen, whether it’s on your policy or one of their very own when you have a reputable agent on your side to assist with the process. Contact us right away for more information on your first step.

What Does Umbrella Insurance Cover?

Nearly everyone has some insurance, from auto and homeowners’ policies to insurance for their business, but is it enough? If you want to ensure you and your investments are fully protected, you can achieve that by purchasing an extra policy called an umbrella insurance policy.

What Is Umbrella Insurance?

Umbrella insurance is a type of policy that provides an added layer of protection through extra insurance coverage that provides coverage beyond the limitations of your current coverage. From extra property insurance and auto crash injuries to several types of lawsuits that regular insurance policies may not cover, umbrella insurance offers the peace of mind you deserve and need. Umbrella insurance provides extra coverage and additional coverage options. It can even cover claims that involve slander, libel, a false arrest, and even more liability coverage for other things you may own, such as rental housing units or garages.

Types of Umbrella Insurance Coverage Options

Umbrella insurance will provide coverage for you and your family members if a lawsuit occurs. For example, a visitor to your home falls down the stairs and breaks their leg. Your homeowners’ insurance will help cover the person’s medical bills, but if they decide to sue you for additional compensation, your homeowners’ insurance may not be enough to cover a judgment against you. That is where an umbrella policy becomes very helpful as it can cover the lawsuit and resulting damages against you.

An umbrella policy will also cover you if someone sues you for defamation of character due to libel or slander. It can also cover the costs associated with false imprisonment, and if you are a landlord, an umbrella policy can assist in covering your liability as a landlord if a tenant files a lawsuit.

Get a Quote Today

To determine if you need umbrella insurance and create a policy that works best for you and your situation, call upon the umbrella insurance agents at Higgins & Halloran in Columbia, SC today for a quote and get your policy started.

Read More

Nearly everyone has some insurance, from auto and homeowners’ policies to insurance for their business, but is it enough? If you want to ensure you and your investments are fully protected, you can achieve that by purchasing an extra policy called an umbrella insurance policy.

What Is Umbrella Insurance?

Umbrella insurance is a type of policy that provides an added layer of protection through extra insurance coverage that provides coverage beyond the limitations of your current coverage. From extra property insurance and auto crash injuries to several types of lawsuits that regular insurance policies may not cover, umbrella insurance offers the peace of mind you deserve and need. Umbrella insurance provides extra coverage and additional coverage options. It can even cover claims that involve slander, libel, a false arrest, and even more liability coverage for other things you may own, such as rental housing units or garages.

Types of Umbrella Insurance Coverage Options

Umbrella insurance will provide coverage for you and your family members if a lawsuit occurs. For example, a visitor to your home falls down the stairs and breaks their leg. Your homeowners’ insurance will help cover the person’s medical bills, but if they decide to sue you for additional compensation, your homeowners’ insurance may not be enough to cover a judgment against you. That is where an umbrella policy becomes very helpful as it can cover the lawsuit and resulting damages against you.

An umbrella policy will also cover you if someone sues you for defamation of character due to libel or slander. It can also cover the costs associated with false imprisonment, and if you are a landlord, an umbrella policy can assist in covering your liability as a landlord if a tenant files a lawsuit.

Get a Quote Today

To determine if you need umbrella insurance and create a policy that works best for you and your situation, call upon the umbrella insurance agents at Higgins & Halloran in Columbia, SC today for a quote and get your policy started.