FAQ - Auto Insurance

My teenage son just got his driver's license. What kind of rates can I expect?
Statistically youthful drivers have more accidents. Because of this, insurance companies charge higher rates to insure them. The least expensive way to cover your teenage driver is to add them to your existing policy. Teenagers with good driving records and good grades may be eligible for deeper discounts. The only way to know for sure is to contact John Delaney Insurance. Click here for more information on discounts.

My spouse has a terrible driving record. Will this affect my insurance rates?
Yes, insurance companies consider both of your driving records when calculating risk. One way to offset the higher rates would be through discounts you could get for having multiple line insurance policies, such as your home, life, or business, etc. There may be other creative solutions, so the best thing to do is contact John Delaney Insurance for a free consultation.

How much auto liability insurance do I need?
That's a difficult question. Some people think that only wealthy or reckless people need higher liability limits. It's not unusual to hear of multi-million dollar lawsuits for personal injury. If you or your family are involved in an accident, even if it's not your fault, you could be held financially liable. A personal liability umbrella policy, for example, or higher auto liability limits are designed to protect you against these kinds of lawsuits.

How quickly can I get my proof of insurance?
We have binding authority, so we can put your coverage in forces instantly and provide documentation to you or a third party (county clerk, auto dealer, et.) as well.

What if I loan my car to someone or borrow a car from someone?
The insurance policy follows the car, not the driver. So, if you let someone borrow your car, your coverage is primary. For this reason, you should consider very carefully loaning out your vehicle.

Have a question? Ask John!