{"id":4436,"date":"2022-01-28T09:00:49","date_gmt":"2022-01-28T09:00:49","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4436"},"modified":"2024-09-30T13:20:37","modified_gmt":"2024-09-30T13:20:37","slug":"lower-car-insurance-rates-for-drivers-on-parents-policies","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/lower-car-insurance-rates-for-drivers-on-parents-policies\/","title":{"rendered":"\u00bfPuedo ahorrar dinero manteniendo el seguro de autom\u00f3vil de mis padres?"},"content":{"rendered":"

Como adolescente, tener el seguro de tus padres ten\u00eda m\u00e1s sentido. Despu\u00e9s de todo, es posible que no tuviera los ingresos, el puntaje crediticio y el historial de manejo que necesitaba para obtener una p\u00f3liza asequible. A medida que avanza en la edad adulta, es posible que se pregunte si permanecer en el seguro de sus padres es su mejor opci\u00f3n financiera. La respuesta a esta pregunta variar\u00e1 entre los adultos j\u00f3venes, y es \u00fatil observar m\u00e1s de cerca su situaci\u00f3n espec\u00edfica para determinar cu\u00e1ndo es el momento de tener la suya propia. <\/span>seguro de auto San Diego<\/span><\/a> pol\u00edtica.<\/span><\/p>\n

Comprenda sus factores de riesgo<\/h2>\n

Las compa\u00f1\u00edas de seguros consideran que los conductores adolescentes tienen un mayor riesgo de accidentes debido a su falta de experiencia al volante. La mayor\u00eda de las compa\u00f1\u00edas de seguros comienzan a reducir las tarifas para los conductores cuando cumplen 25 a\u00f1os. En este punto, la mayor\u00eda de las personas tienen suficiente experiencia de manejo para saber c\u00f3mo evitar tener un accidente. Tambi\u00e9n es m\u00e1s probable que pueda superar la tentaci\u00f3n de hacer cosas arriesgadas, como usar su tel\u00e9fono celular mientras conduce. Si tiene 25 a\u00f1os o m\u00e1s, es posible que pueda obtener una p\u00f3liza de precio similar a la que tiene con sus padres.<\/span><\/p>\n

Considere su situaci\u00f3n de vida<\/h2>\n

Muchas compa\u00f1\u00edas de seguros requieren que todas las personas con licencia de conducir que viven en el hogar est\u00e9n incluidas en la p\u00f3liza. Esto se debe a que uno podr\u00eda suponer razonablemente que cualquiera que viva en la misma casa podr\u00eda usar un veh\u00edculo en alg\u00fan momento. Alternativamente, su compa\u00f1\u00eda de seguros podr\u00eda preferir revisar la p\u00f3liza actual si se muda y vive solo. En ese momento, se le puede considerar independiente y, por lo tanto, capaz de mantener su propia pol\u00edtica. Si no est\u00e1 seguro, lo mejor es consultar con su compa\u00f1\u00eda de seguros. El representante con el que hable puede informarle si sus padres pueden o deben continuar incluy\u00e9ndolo en su seguro de autom\u00f3vil.<\/span><\/p>\n

Explorar descuentos adicionales<\/h2>\n

Si tiene m\u00e1s de 18 a\u00f1os pero a\u00fan no ha cumplido los 25, es posible que a\u00fan se pregunte si puede obtener una p\u00f3liza de bajo costo sin que sus padres lo incluyan en la de ellos. Por ejemplo, es posible que ya est\u00e9 manejando la mayor\u00eda de sus necesidades financieras y obtener su propia p\u00f3liza lo liberar\u00eda de la carga de tener que cubrir su parte del costo de la p\u00f3liza de sus padres. En este caso, es posible que desee intentar obtener una cotizaci\u00f3n para ver cu\u00e1nto costar\u00eda una p\u00f3liza independiente. Aseg\u00farese de consultar sobre los descuentos especiales que hacen que el seguro sea m\u00e1s asequible para los adultos j\u00f3venes, como obtener una tarifa m\u00e1s baja por obtener buenas calificaciones en la universidad o tomar un curso de seguridad vial.<\/span><\/p>\n

Mantenga un buen historial de manejo<\/h2>\n

Tanto con la p\u00f3liza de sus padres como con la que compra por su cuenta, su historial de manejo juega un papel muy importante en cu\u00e1nto paga por el seguro de autom\u00f3vil. Es mucho m\u00e1s probable que sus padres le permitan permanecer en su p\u00f3liza como un adulto joven si ha logrado mantener sus tarifas bajas mediante el uso de pr\u00e1cticas de conducci\u00f3n seguras. A medida que envejece, es posible que su historial de manejo solo lo afecte directamente. Sin embargo, disfrutar\u00e1 de tarifas m\u00e1s bajas a medida que envejece al evitar accidentes.<\/span><\/p>\n

Para obtener una cotizaci\u00f3n personalizada detallada sobre seguros de autom\u00f3viles, comun\u00edquese con su agente de seguros. Si est\u00e1 buscando un seguro de autom\u00f3vil asequible y un servicio de alta calidad, llame a los agentes confiables de Altra Insurance Services. Tambi\u00e9n proporcionamos a inquilinos, propietarios de viviendas y <\/span>seguro de moto. San Diego<\/span><\/a>\u00a0los conductores de todas las edades deben llamarnos hoy al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Como adolescente, tener el seguro de tus padres ten\u00eda m\u00e1s sentido. Despu\u00e9s de todo, es posible que no tuviera los ingresos, el puntaje crediticio y el historial de manejo que necesitaba para obtener una p\u00f3liza asequible. A medida que avanza en la edad adulta, es posible que se pregunte si permanecer en el seguro de sus padres es su mejor opci\u00f3n financiera. La respuesta \u2026 <\/p>\n

Continue reading “Can I Save Money by Staying on My Parents\u2019 Auto Insurance?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-4436","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nIs It Cheaper to Stay on Your Parents\u2019 Car Insurance?<\/title>\n<meta name=\"description\" content=\"Auto insurance rates are typically much higher for younger drivers, so in many cases, you can save money by staying on your parents\u2019 car insurance policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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