In order for Fort Worth, Texas auto insurance rates to come down in price, there needs to be a reduction in the number of accidents among the drivers who are insured in Fort Worth. It is also of great importance that the number of serious injuries also comes down. The SHARP(SAFETY AND HEALTH ACCIDENT REDUCTION PLAN) is designed to educate drivers on safe driving habits which will hopefully bring down the number of accidents and severity of injuries that occur as a result of traffic accidents.

Car insurance premiums are always based on the risk that a driver presents to an insurance company. If you can fit a whole group of people into a low-risk category, you can offer that group a better rate on their car insurance. Fort Worth, as a group can achieve low-risk status by following the recommendations in the SAFETY AND HEALTH ACCIDENT REDUCTION PLAN.

Under SHARP, defensive driving could be one way of lowering the chance of getting into an accident and make it less likely that an insurer will have to pay out an expensive claim. The fewer accidents that take place on the streets of Fort Worth and in other areas around this West Texas city, the lower the costs that you will pay when you sign up for an auto policy.

You are also less likely to be seriously injured if you do get into a car accident if you are wearing your seatbelt and you have airbags that are charged and will deploy if you are in a crash.

In Texas, there are a lot of wide open spaces and people get in the habit of speeding. While it may be okay if you are on a wide open stretch of highway, but it can be very unsafe. To find out more about the SHARP program, give us a call and ask an independent agent to explain the details.

When you are facing a flat tire or your car has broken down in Arlington, Texas, it is hard to remain focused on the situation. If you discover that the towing agency is out of service, then you might worry about complications. Fortunately, many auto insurers will allow you to use an alternate company to tow your vehicle in an emergency situation.

Read the Policy

Before you can determine whether your specific policy allows alternate services for towing, you need to read through the documents and learn more about your coverage. Each policy is different and sometimes you might not have coverage for an emergency solution when you cannot reach the primary agency. Your insurance should provide details about your coverage and the potential variations that you can face.

Call the Company

If you are not sure about the policy, then the next step is calling the company to find out more details. Call your insurance and explain the situation. Ask if you can get reimbursed after your car is towed or how the situation is handled. It may take a few minutes to work out all of the details, but most companies will allow you to have a different company tow the vehicle as long as it is covered in the policy and a call was made to request a back-up service.

It is hard to determine the exact details of any policy, but many companies will allow you to use a different tow company if the agency is not available during an emergency. To learn more about the different policies or the options you have for additional coverage, call today to talk to an independent agent.

In El Paso, you don’t have to drive far to find an impressive hot rod or modified vehicle cruising down the streets. While these cars certainly impress, it can be to your benefit to keep your car “Low Profile, Low Maintenance" and to avoid going with the crowd when you purchase your next vehicle.

Advantages of Low Profile Vehicles

The biggest downside of driving the latest sports car or a car with latest gadgetry is that these vehicles can cause your auto insurance to go through the roof. Cars that stand out are often the target of thieves and vandals. If you get into an accident, the high sticker values of these cars increases the amount of money your insurance company will have to pay to reimburse you for the damages. This added risk to your insurer will be reflected through higher premiums.

Choosing a low profile vehicle will typically result in lower premiums for the driver. If you are seeking insurance for a teenager or a Texas driver who is in a high-risk pool, it is a good idea to stick with a simpler vehicle. Drivers in these categories already face higher premiums, but driving an economical vehicle can help to significantly reduce their premiums.

A Word on Modifications

It can be tempting to purchase a low profile vehicle and then add modifications, such as a stereo system upgrade or spoilers, to spice things up. Keep in mind that you may be required to add additional forms of coverage to your policy for the modifications that you make to your vehicle. If you are looking to save on insurance, it is important to keep your low profile, low maintenance vehicle in its original condition.

Ask an Independent Agent

An independent agent can tell you which models and makes are insurance friendly when you are shopping for a new car. Contact us today before you buy your next car for help choosing a vehicle that can help you save on your premiums.