Why insurance needs differ for teenage drivers

Teenage drivers are still learning the ropes of safe driving and vehicle maintenance. Because of this, it only makes sense that their coverage needs will differ from their adult counterparts. The team at Linda Dugan Insurance understands how important it is to protect the younger drivers in the greater Astoria OR area, and we are here to help! We understand what it takes to keep your teenagers safe and your family protected from the liability that can occur.

Why insurance needs differ for teenage drivers    

Teenagers are teenagers, and they aren’t always as cautious as they need to be. In many instances, they can be easily distracted, and they just don’t have the experience that can help them to overcome these challenges. When you have a teen driver on your family policy you will want to make sure that you have adequate coverage for dents and dings that can occur with inexperienced drivers. It is also a great idea to look into roadside assistance features as you will want to make sure that are able to get help in a timely fashion in the event of an accident or mishap. Teen drivers aren’t bad drivers, they’re just inexperienced. With time their driving skills will improve, but in the meantime, it is important to protect them and keep your family safe from liability issues. The right auto policy will take all of these factors into consideration and provide the right type of coverage at appropriate protection levels. 

Want to find out more about your options for a family auto insurance policy that covers teenage drivers? Call or stop by Linda Dugan Insurance today, we are here to answer any insurance questions that you may have about teen drivers in the greater Astoria, OR area.

This Risks of Being Underinsured for Your Home

Many homeowners may feel that their homes are adequately insured. However, there are a plethora of homeowners, or unfortunately former homeowners, who have endured great loss when a travesty occurred. These people found out the hard way that they’re homes weren’t adequately covered when a natural disaster hit, someone was injured on their property, etc. Having said this, the following includes some risks of having an underinsured home:    

1. A Possible Increase in Emergency Home Repairs’ Costs 

Homeowners sometimes must repair or replace different parts in the home to maintain current standards and codes after an emergency. So, comprehensive coverage is required.  

2. No Adequate Coverage of Flood Damage

It’s imperative to have proper coverage for floods especially if living in a flood zone area.  Additional coverage may still be needed even with the maximum protection of FEMA flood insurance. 

3. Not Enough Coverage for Expensive Items

Expensive items, such as jewelry, electronics, antiques, and classic cars, may not be covered in a standard policy.

4. Possible Cancellation of Your Policy

If you must file a claim and is underinsured, your insurer could totally cancel your insurance policy. 

5. Possibly Obtaining a High Deductible after An Accident

After being involved in an accident, you could have a deductible costing about $3,000 to $5,000 instead of a $500 deductible.  

6. Filing Claims Can be Horrific

If you are underinsured, the claims process can be terrible. 


It is crucial to ensure your home is adequately covered. If you live in the Astoria, OR or surrounding areas, various incidents ranging from frozen, busted pipes in the winter to floods/tornadoes, don’t risk being underinsured. With Linda Dugan Insurance, they can guide you step-by-step to ensure complete coverage. With several years, these insurance experts know the ins-and-outs of the insurance industry. Located in Astoria, you should contact them today.