Buying Car Insurance for Your Teen in Irvine, CA

Buying Car Insurance for Your Teen

Buying Car Insurance for Your Teen in Irvine, CAIf your teen just got their driver’s license, then you understand the importance of making sure they have the right insurance. Keeping them as safe as possible includes making sure that they’re insured in the event of an accident, so let’s talk about what you need to know.

New drivers

Being a new driver is scary and being their parent can be even scarier. If you’re looking for tips and tools you can use to find the right car insurance for your teen, then you’ve come to the right place.

Those 20 and younger are the biggest group of distracted drivers and making sure that they’re insured should be a top priority. Not only is car insurance important for being on the road, but it could end up saving you thousands of dollars. Don’t wait to explore your insurance options.

Finding the right car insurance

When it comes to teen drivers, it can be difficult to find insurance. Many companies look at lack of experience and young age as reasons why teens aren’t the best people to insure. However, this doesn’t mean that it’s impossible to find the right car insurance policy. If you do the right research, you can end up with the right policy at the right price.

When it comes to saving money, it’s usually best for parents to add their children to the family policy. While creating a separate policy is an option, it’s usually a more expensive route. Car insurance can cost thousands of dollars each year, so it’s important that you keep realistic pricing standards in mind while you’re shopping around.

Purchasing car insurance

When it comes to car insurance for your teen, doing research is important. Learning about different policy options and what they include will give you a bigger picture of what’s on the market, as well as what will fit your budget.

If you’re curious about the options, make an appointment with our office. As a local independent insurance agency, we’ll be able to provide you with accurate quotes and provide unique advice for your situation. How much insurance costs can be heavily dependent on location, so we will walk you through all of your options. Speaking with one of our insurance agents is one of the best ways to find out more about policy options, so don’t be afraid to call us.

Teen specifics

While it can be difficult to find car insurance for teens, there are a few things that can make the process easier.

Some companies reward good grades and will offer a discount when a transcript is presented. If you think that your child may qualify, ask your insurance agency if they offer this incentive. Age is another thing that can impact price. Insuring those that are older is typically cheaper, so remember that while you’re looking at policy prices.

The right policy for your teen

From buying them a car to finding the right insurance, having a teen driver is expensive. If you’re looking for ways to reduce costs and get the best deal possible, give us a call. We can make an appointment to discuss your options and find the right policy for your new driver.

Commercial Insurance Options in California - Great Park Insurance

Meet John Ghasri (Risk Manager)

Commercial Insurance Options in California - Great Park Insurance

Businesses are hard to run, especially when coupled with the worries of possible mishaps that can occur while operating one. That is where insurance comes in handy and who better to help than a Senior Commercial Lines Risk Manager, specifically John Ghasri. As one of Great Park Insurance’s (GPI) Risk Managers, Ghasri has shown himself to be a strong source of guidance for all business insurance needs. His main duty is covering the commercial business needs of our members, which include packages such as workers’ compensation, general liability, bonds, and much more

 

Ghasri has a strong background in insurance as he has been a part of the industry since 2016. His journey within insurance started off with servicing, moving onto underwriting, and then settling in sales in 2019 when he acquired his license. 

 

“I would say I got baptized by the fire,” Ghasri states, thinking about his jump into sales. “I basically had to go into it cold and learn the ropes on my own at my previous firm, but I am very glad that I did!” He also adds that he enjoys working at GPI especially because he feels like he isn’t just selling insurance, but also being a part of much more with how ambitious and innovative the work culture feels. 

 

Ghasri has loved his time at GPI and continues to find the agency’s practices one that he can truly believe in and support. He believes that the agency has the “best rates, service and experience” one can have with an insurance firm.

 

“Especially our commercial division, nobody can beat my servicing and expertise in the field.” He exclaims, beaming with confidence. “I can guarantee that!”

 

Besides Ghasri’s experience and dedication to insurance, he also prides himself in his other area of expertise. Magic! 

 

“I would say I have a PhD,” Ghasri kids, “in the area of the art of magic and mentalism, that is.”

 

Ghasri can sometimes be found performing at private parties and corporate gigs with his twin. He has even been able to perform his magic at different locations around the country. What an awesome hobby! 

 

When asked about his philosophy on success, he has very succinct and effective advice. 

 

“Success is going from one failure to the next without losing enthusiasm.” Failure can be hard but its most useful aspect is that it helps us grow. At GPI, we also believe in facing our failures head on so that they can induce our progress rather than inhibit us. 

 

Before letting him go, Ghasri was asked where he saw himself in five years. Keeping true to his personality, he proudly says, “making a million dollars!” With his confidence and dedication to his craft, we have no doubt that that could easily be his reality. Thank you for all that you do, John!

Best Practices When Using the Internet in Irvine, CA

It’s Cyber Awareness Month – Are You Following Good Practices?

October is Cyber Security Awareness Month. Since the pandemic, more individuals are using digital accounts for purchasing through the internet. This can leave you vulnerable & increase your risk for a cyber-attack.

The majority of cyber-attacks begin with phishing emails. Knowing how to spot a phishing email is critical for protecting yourself from a cyber-attack.

Phishing emails are designed to make you click on links. They will often come from companies you use regularly such as Amazon, Apple, Netflix, or other well-known companies. They will often use their logo to make it appear it is coming from the company itself.

What steps do you need to take to determine if it is a scam?

Hover over the domain or email address in your inbox. This quickly gives you the answer you are looking for. If the email address is long or doesn’t look correct, it is a phishing email. If you are unsure if this is a phishing email, contact the company directly.

Best Practices for Internet Use:

  • Never click on links in emails. If you are concerned, go directly to the company’s website and login if this is possible.
  • If an email is asking you to verify your login, payment information, or any other personal data, this should be a red flag. Do not provide the info. If you are concerned, reach out to the company directly.
  • Don’t download attachments from emails.
  • Always choose a strong password. This should be up to 15 characters long with a variety of letters, numbers, or symbols. You can even use a phrase.
  • Change your password regularly. While this can be annoying, it is best practice.
  • Don’t repeat your password for multiple accounts.
  • If you share a computer with others, use individual accounts for logging in. Always log out of your account when you leave the computer.
  • Have a firewall installed on your computer.
  • If you are asked to save your password on your computer, don’t save it. This can leave you vulnerable.
  • If you have the option for two-step authentication, always choose it.
  • Always update the software on your tablet & phone.
  • Be aware of public wifi. This can leave you vulnerable to a cyber-attack.

How Could You Determine If You Have Been Hacked?

Whether it is your email, social media account, or bank account, if you see something that looks off, change your password immediately. We also recommend running an anti-virus or malware software on your computer too.

Follow these tips to help lower your risk for a cyber-attack. If you have questions about your insurance, contact our agency.

Personal Insurance in Irvine, California

Tips to Save on Auto Insurance

Personal Insurance in Irvine, California

At Great Park Insurance (GPI) in Irvine, CA, we know that it can be hard sometimes to figure out insurance policies and what discounts are eligible for them. Sometimes, members qualify for discounts that they are not even aware of that could save them money on policies like their homeowners insurance. Other times, there are simple ways where information just needs to be provided in order to receive a discount as well. In this article, we will be going over simple ways to save on your auto insurance!

 

Good Driver Discount

 

One of the most self explanatory discounts is the good driver discount. Depending on the carrier and how long you have been licensed, clean driving records can save you a lot of money on your insurance. Claims are less likely to be filed and the roads are safer when we are mindful drivers. 

 

Good Student Discount

 

If you have children or are a student yourself, many carriers also provide discounts for those with good grade averages. The typical requirement is to have a B average or above a 3.0 GPA. Young drivers can hike up prices a lot when it comes to auto insurance, so keeping an eye on your kid’s grades or your own can help reduce the policy premium.

 

Group Discounts

 

Group discounts include a range of qualifications whether you have a certain occupation or you are a part of an association that qualifies. Starting October 10th, Mercury Insurance will be including discounts for Costco members, pilots, Bank of America employees, and more. Other carriers also often include discounts for certain STEM occupations or educators. 

 

One easy way to get discounts as well is to join the alumni association of your university as some of these programs will have a multitude of benefits. It never hurts to ask about what you may be eligible for without changing your lifestyle at all, so do not hesitate to inquire with your agent.

 

Overall, we understand that it can be confusing to navigate what discounts you qualify for. We highly encourage our members to be proactive in asking us what carriers can offer them. We strive to work for your community. 

 

If you would like to see what discounts will work for you or to start a quote, please call in at 949-387-3242 or email for more information at info@greatparkinsurance.com