If you have had to add your child who is a new driver, you know premiums can be expensive!  Insurance companies usually define a young driver between the ages of 16-25. People in this age group, especially males can be considered high risk.  This group of drivers are classified high risk because this group they tend to file more claims than any other group. As a general rule a young driver must have their license for three years before the rates begin to decrease.

Companies are looking for responsible habits.  Doing well in school may offset the increase some.  The good student discount extend to unmarried drivers who maintain a 3.00 GPA with usually 12 units or more.  This discount is offered on the liability portion of the premium.

Here are some tips to keep your premium down:

Drive Responsible: Maintain a good driving record with no claims and keep the Good Driver Discount.

Remain on Parents Policy: If their primary residence is the parents  home, keep them on the policy as a additional driver.  This will add the Multi Vehicle discount if adding another vehicle.

Increase Deductible:  The higher the deductible the lower the premium.  Also check to see which payment plan may be the best fit.

Low Mileage: Keep the miles low if possible. Simple logic, the greater amount of time on the road increases their chances of being in an accident.  Maybe restrict the access to the vehicle.

Some Cars Cost Less to Insure: Before adding a vehicle call your Agent for some quotes.  The more information you have the better decision you will make.




Nine years ago two Mercury employees wanted to show their support to our military by sending home comforts.  Today we have approximately 7 offices who have joined in. These home comforts consistently sent reminding those military men and women abroad how much their work is appreciated.  Mercury employees, active duty military and veterans work together collecting, packing and shipping goods.

Mercury Insurance CEO and President, Gabe Tirador. “We employ a lot of veterans, and many employees have family who are serving, which is why I’m extremely proud of this grassroots event that has grown throughout the company. It gives us all a chance to say thank you to the members of our Nation’s Armed Services.”

Trent Carny, active duty U.S. Navy says “the food abroad is different and receiving something from home can change your whole days outlook”

Your child is off to college and may be taking some expensive property with them.  Things to consider protecting their belongings.


  1.  Cover their personal belongings with a insurance policy.  Your primary homeowner’s policy may cover their belongings if they are living on campus, double check with your carrier.  If they plan on living off campus consider a Renters Policy.
  2. Have them create an inventory of what they are taking and the cost associated with each item.
  3. If they are taking a car with them, make sure to update the garaging address on your auto policy.


Most traveled vacation months are July and August, so no surprise these would be the two highest months for burglaries.

Although none of these are fool proof, they have help protect your home while you are away.

Secure your home.  Make sure all doors and windows are locked, even windows on the second floor.  Never store the extra key under the welcome mat, rock or in the planter.  Give a key to a trusted neighbor in case of an emergency.  Trim back bushes near the windows so there is no hiding space allowing them ease of entry.  Purchase an alarm that would contact Police and Fire Dept.  Alarms will in most cases provide you with a discount on your homeowner’s insurance policy.

Trusted neighbor.  Let your trusted neighbors know that you will be out of town and to keep an eye on your home for anything suspicious.

Make your home appear to be occupied.  Don’t let the newspaper or mail pile up.  Ask a neighbor to pick them up or have the service delayed until you return.  Set some of your indoor lights on a timer.

Social Media. Don’t share your vacation photos online, wait until you get home to post.

Insurance Policy. Talk with your Agent before you leave on vacation and know what potential losses would be covered while you are away.  Keeping an updated log of belongings helps if there was an unexpected loss or theft.

Vacation. Most important of all, enjoy yourself and have a blast!


When your kids are ready to get behind the wheel for the first time it can be very exciting and stressful at the same time.  Regardless of their age or experience behind the wheel a young, new driver is more likely to be in an accident due to lack of experience.  Things to consider when you transition your passenger to a driver.

  1.  Have a plan, what is your destination? Will you be driving on the city roads or using the freeways. Vary the routine, take them on different roads exposing them to pedestrians, sharp turns and country roads.  Exposing them to these different driving conditions will help you advise them on what to expect behind the wheel.
  2. Practice evasive driving.  It can be as simple as setting up some cones in an empty parking lot and teaching them to brake hard avoiding the cones acting as a stopped vehicle. You can also stagger the cones and have them drive in and out of them.  Parallel parking is something you can have them work with the cones.
  3. Have fun.  This can be a white knuckled experience for the both of you.  Set up the objectives and keep it within their experience and ability.  Light and easy, let them build their confidence behind the wheel.https://blog.mercuryinsurance.com/auto/tips-for-parents-who-are-teaching-teens-to-drive/