Learn more about insurance for college graduates watching our video.
"I can not stay on your auto insurance policy forever?"
"is that the cost per month or the entire year?"
rhetorical questions asked by many college graduates as they prepare to take on the world with their first job, their first apartment need renter's insurance, and the first car payment requiring insurance car in their own name. Here's the story of my daughter ...
New job, new apartment, new car, new city and state, the new boyfriend. Slowly and sadly she acknowledged that her parents could not keep paying for their insurance forever, and legally, she needed to have its own policies. With the realization that everyone must grow up one day, she went on a path to find the right policies to meet their needs and budget.
What convinced our daughter more than the advice of his guru assurance staff, his father was working with an independent agent. As a budding lawyer, she knew that if she had an accident, his New York car insurance policy may not cover it for failing to accurately report his car was principally garaged in another state. She also has another driver who drove his car over occasionally and not on the policy of his parents. She knew it was time to make a change. She realized she could not be left without coverage and be responsible for medical expenses, property damage, etc. resulting from an accident
But the confusion about what to do next -. Decisions on coverage, limits, and deductibles - was overwhelming and scary for her. She was afraid if she could afford the coverage they needed, and if she could make good decisions on their own to make sure she got the coverage she needed. She started doing a little research and ask questions. She talked to friends, family, coworkers, and, of course, went online. She found it all worth his time and made more comfortable with these important insurance decisions.
When she was ready, she called an independent agent. His agent was friendly and knowledgeable, understand this was the first time get the insurance itself. It was presented with several quotes, grouped options and payment options. She weighed the advantages and disadvantages of each policy and business presented to it before deciding on policies to move forward with. The whole process was very quick and for the most part, stress costs.
His words of advice to other exhibitor on their travel insurance include doing your homework, use an independent agent who can find the right company and policy to suit your needs, and combining your policies together if possible so you can get a lower monthly rate.
The process of obtaining its own policies gave him a great sense of independence and reassured her that she can make good decisions about their insurance needs. For parents ... .she took another step toward adulthood.
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