Auto Insurance for Teen Drivers: What Parents Need to Know

Getting a driver’s license is a rite-of-passage for teens and their families in the Frederick, MD area. Receiving an official Maryland driver’s license is the beginning of many adventures for your young one. However, it’s important to make sure your teen has the right kind of car insurance before you give them full freedom behind the wheel. There are other important things parents need to think about too when their new driver is ready to go. Here are some tips from the Lebherz Insurance agency to help you navigate the teen driving years.

Graduated Licensing System

The state of Maryland uses a graduated licensing system when granting driving privileges. These are designed to ensure the driver’s privileges are aligned with their abilities and experience. The goal of the graduated system is to lower accidents by removing newer drivers from dangerous situations. There are 3 levels in the system.

  • Learner’s permit. These are for the newest of drivers and allows the operation of certain vehicles while the learner is in the presence of a licensed and experienced older driver only.
  • Provisional license. Operation hours are limited and drivers aren’t able to carry passengers unless accompanied by a licensed adult. However, this type of license allows young ones more freedom than the permit.
  • Full license. This is the regular license that comes without inherent restrictions.

The type of license your young one has may affect their insurance rates. Talk to your agent to learn more.

Auto Insurance Options for Teen Drivers

Like all other drivers in Maryland, your teen will need a valid insurance policy before hitting the road. The simplest way to get the coverage they need is to add them to your existing policy. You may be able to take advantage of multi-car discounts and other perks to lower your premiums without sacrificing coverage.

The experts at Lebherz Insurance carry auto insurance policies for drivers of all ages in the Frederick, MD area. Contact our agents to learn more about insuring your teen driver.

A Checklist for Your Next Road Trip

A successful and uneventful road trip requires meticulous planning and preparation. Inadequate planning will lead to delays, inconveniences, and frustrations. If you are planning for your next road trip, here are the key things you should look into:

Inspect your car
Part of the planning process should involve inspecting every aspect of your car to avoid breakdowns. Ensure that you have the right oil for your car and that you’ve changed it if necessary. It is prudent to carry some extra oil to be on the safe side. Check that the tire pressure and make sure they are fully inflated. Refill the windshield washer, coolant, and brake fluid. The wipers should also be in perfect working condition. Check on the condition of your spare tire. Wash and clean the car thoroughly so that you set the right tone for your trip. 

Ascertain that you have the necessary supplies
If you are going to an unfamiliar area, you will need to have a map. The first aid kit too should have all the supplies including antiseptic, band-aids, bandages, and so on. Take loads of water so that everyone stays well hydrated. A flashlight or two would be ideal in case your car battery dies at night. Phone chargers, a wireless kit, and other supplies to keep you entertained will come in handy. 

Check on your insurance status 
Driving with an expired insurance policy could spoil or cut short your road trip. Make sure that you check on its status before you set off. Consult your insurance providers on what damages your policy covers and whether you might need any more coverage for your road trip. 

Planning your next road trip in Frederick, MD and you need to know more about auto insurance? Contact Lebherz Insurance for a free estimate on your auto insurance coverage. 

All the things that can distract you from driving

It goes almost without saying, as Lebherz Insurance, serving Frederick, MD, notes, that texting constitutes the most dangerous form of distracted driving. The End Distracted Driving website notes that texting while driving involves three types of distraction.

  • Manual distraction involves taking your hands from the wheel.
  • Visual distraction involves taking your eye off the road ahead of you.
  • Cognitive distraction involves thinking of something besides driving.

No wonder cell phone use of all kinds (voice and text) caused 27 percent of car crashes in 2015.

However, texting and taking on the phone while at the wheel is just one cause of distracted driving. The National Highway Traffic Safety Administration notes some others, including:

  • Fiddling with car electronics such as the radio or navigation system
  • Talking to passengers (especially unruly children in the back seat)
  • Eating and drinking while driving

Add to that, driving while impaired by drugs or alcohol, something to be avoided at all costs.

Two methods exist to avoid distracted driving and thus a car crash that could injure or kill you and your passengers. You can have a passenger be designated to use the cell phone or deal with the kids in the back seat if such needs to happen while in transit to your destination. If you do not have a passenger to take over these tasks and they have to happen immediately, pull over and deal with the matter. An automobile moving at any speed, especially on a highway, is a potentially deadly weapon and has to be under complete control at all times.

If you have any questions about auto insurance, feel free to contact Lebherz Insurance serving Frederick, MD,

Does Classic Car Insurance Cost More than Typcial Car Insurance?

For those that have invested both time and money into a classic car having the right insurance in place to protect that investment is a must. You can have the best car in the world but without the right coverage, your car can be in danger and can end up being a total loss easily. Classic car insurance policies are great for those that do have what qualifies as a classic car. This type of policy is different from a typical policy and we are going to discuss how. For those that live in the Frederick, MD area, the agents with Lebherz Insurance can help you find the perfect policy for you.

For starters, a classic policy is going to cost differently based on a few different factors. For the most part, it is on par with a typical policy to start with then the price does go up dependent on how much you insure the car for. The overall value of the car is going to push the cost of the policy up because you are going to need to insure a larger amount to help replace the car if something were to happen to it.

When you take out a classic policy, your insurance company is going to come and evaluate the car and both the owner and the insurance company will work to agree on the value of the car. In most cases, they do not insure for the cost of repairs but the overall value of the car and the cost of total replacement. If you have a car that is worth $100,000 it is obviously going to need a more expensive policy than a Toyota corolla from 1999. For those in the Frederick, MD area, the agents with Lebherz Insurance can help you find the perfect policy every time.  

Does Classic Car Insurance Cover Custom Parts?

If you have purchased or restored a classic car, custom parts may have been used on the car. One of the questions that we at Lebherz Insurance, serving the greater Frederick, MD area, are asked is whether classic car insurance covers these custom parts. If you are looking into purchasing classic car insurance, here is the information you should know about custom parts. 

Does Classic Car Insurance Cover Custom Parts?

In most cases, classic car insurance does not cover custom parts. Many individuals who purchase classic car insurance do not realize this until they are involved in an accident or need to recover money for their car and realize the value is less than they thought. If you ever doubt if something on your classic car is covered, always contact your insurance adjuster or carefully read through your policy. These things will help you determine whether something is covered or not. 

How Do You Cover Custom Parts on Classic Cars?

The best way to cover custom parts on classic cars is to purchase a supplemental policy for custom parts. You will then be required to list each custom part that is in your car and its value. If you make changes to your car, you will need to update your supplemental policy. Buying a supplemental policy gives you peace of mind that each and every item listed on the custom parts list is fully covered in case you are involved in an accident, someone damages your car or your classic car is stolen. 

If you are looking to obtain car insurance for a classic car in the greater Frederick, MD area, Lebherz Insurance can help you. Call us today to discuss your needs and let us put together the right insurance policy for your needs. 

Can Underage Drivers Have Their Own Policy?

It is possible for teenage drivers to have their own independent policy but the real issue is finding out if it is going to save you more money or if you are going to save more by adding them to an existing policy. Though you can save more in most cases by adding them to an existing plan, it might surprise you based on where you live. For those that live in the Frederick, MD area, the agents with Lebherz Insurance can help you determine what is going to be best for you.

 In many cases, you are going to save more by adding your teen driver to your existing policy than creating their own policy for a few different reasons. For starters, those teen drivers that have their own policy are going to have a policy that is based on the young age of the driver. If you add them to an existing policy, the policy rates are going to be based on the age of the main policy holder.

Another reason you may save more adding them to your policy is that you will have multiple cars on one policy. You often get a discount for having more than one car on a policy which means you can save more. Depending on the individual rates and requirements for your state, you may still be able to save by getting your teen driver their own policy, in most cases, however, it is going to cost more.

For those in the Frederick, MD area, the agents with Lebherz Insurance can help you to determine which course of action is going to be best for you and your teen driver so that the both of you can save the most money possible on your policy.

Learn How To Prevent Fender Bender Fraud in Maryland

Lebherz Insurance knows that the moment someone hits you, it can be a complete shock. You may not know exactly what to do, especially if you have never been in this situation before. A fender bender can easily leave you feeling dazed and confused. There are some people out there that will try to commit fraud – and as long as you keep your wits about you, you have the potential to prevent this from happening.

Take Photos

One of the best things that you can do is take out your cell phone and begin taking photos. Take photos of the other person’s license plate, the damage to your car, the damage to their car, and even their insurance card. This way, you have an account of everything. It will prevent them from making up stories for creating additional damage that they will try to blame on you later on.

Call the Police

You need to make sure that the police arrive at the scene of the fender bender. This will ensure that you get an impartial party identifying what happened. The officer will take reports from both of you and create an official report. Generally, the officer will be able to identify who was at fault and include this information. This is critical because the person you hit (or that you) won’t be able to point the finger at you later on.

Ultimately, it’s up to you to gather as much information as possible so that there isn’t any kind of wiggle room for anyone to commit fraud. It can be difficult to stay focused after you have been involved in an accident, but it is going to be the best thing for you.

Call us at the Lebherz Insurance today to find out about auto insurance. We can guide you through the process to find sufficient coverage at an affordable price in Maryland.



The importance of not eating chocolate doughnuts and driving

We all know that eating while driving can lead to accidents, along with texting, talking on the phone, or to your passengers. However, I would like to point out another danger of eating while driving: Lost Sales. Let me explain…

On my way to work one morning last summer, I stopped at the local doughnut franchise to pick up some breakfast and coffee for my staff. I ordered a dozen chocolate covered doughnuts, and en route, I probably ate two or three of them. I didn’t touch my coffee because of the inherent burn risk that I learned about from a now famous McDonald’s incident years ago. Little did I know at the time, that chocolate, as benign as it may seem, can also pose as a risk of loss.

As I was passing the grocery store, I remembered that I also needed an item or two from there, so I stopped in. As I was exiting my car, another person in the parking lot approached me because he saw my name on the side of my car. He explained that he was new to town and needed to find a good person to handle his insurance needs. I told him that it was his lucky day because I have been doing this for over 18 years, my business has been in operation for nearly 45 years, and we had all of the best markets for anything he may need. As I fumbled around for a business card, I realized I did not have any on me. But I did have some in my car. So I opened the door and leaned into my car to get a card. As I turned around, the guy didn’t seem as interested, and almost seemed disgusted for some reason, but he still graciously accepted my business card and swiftly went on his way. I hollered to him to call me anytime and pointed out that my cell phone # is listed on my business card for a reason – so I can be reached at anytime, anywhere.

I strolled on into the store and picked up my items, and returned to my car. As I started to sit back in the driver’s seat, I noticed a large smear of melted chocolate on the seat, which had no doubt been transferred to my trousers. Needless to say, I think it is pretty obvious that my potential customer has yet to contact me for his insurance needs. The whole time I was bent over, reaching into my car, in this poor soul’s perspective was a view that he undoubtedly wished he had not seen, and probably never wants to remember – unless he is telling a story to an old friend about some idiot insurance man in the new town to which he has moved.

Much to my horror, I learned a valuable lesson that day. If you are gonna eat chocolate and drive, don’t attempt to impress and make a sale. But if you do, just be prepared not to do it by the seat of your pants.

In the end, while I lost a potential sale, I did gain a great story to tell. Maybe one day I’ll benefit from it.