Finding affordable auto insurance for young drivers can be a major challenge. Because the risk they pose is largely unknown, new drivers insurance policies for teenagers often have high premiums. There are ways to lower these high premiums, though, and one of our licensed agents can help you through the process.
Coverage Levels vs. Deductibles
One way to lower premiums is to reduce a policy’s coverage levels, but this is not usually a wise choice – especially when driving around Highland Park, TX. Being one of the wealthiest cities in the country, there are many expensive cars on the roads. Some cars residents drive can cost $100,000 or more. Even a slight scratch on an expensive car is expensive to repair, and you do not want to be caught without coverage.
Deductibles, on the other hand, can often be raised with minimal risk. Increasing your deducible from $500 to $1,000 only exposes you to an addition $500 risk, but it could lower your premiums significantly. For new drivers, the savings may more than make up the risk they are taking on. To discuss these tradeoffs in detail, contact one of our agents.
One of our independent agents can also help you find additional discounts that can be used to lower premiums. An insurer may offer discounts for:
- having an anti-theft system installed on the car
- storing the car in a garage, rather than on the streets in Highland Park
- good grade on a report card
These are just a few sample discounts. Talk with one of our agents today to see if there are others you qualify for.
Give us a call, so we can help you find affordable auto insurance rates for your new driver. New drivers insurance is not cheap, but we can help make sure it does not break your piggy bank.
Driving a RV can be exciting, but you should expect to meet the legal standards in Garland, TX before you compare insurance rates and buy the vehicle. Although the exact details of an insurance policy may vary, it is necessary to obtain an appropriate driver’s license before you start driving the vehicle.
Driving the Vehicle
A RV is similar to any car or truck. Unless it is towed behind a vehicle, it has an engine and you can drive the RV. As a result, you must have an appropriate state license before you start driving.
Depending on the size of the RV, the license that is appropriate can vary. Generally, a driver’s license within the state is appropriate; however, some large RVs may require a license for large vehicles to ensure that you can handle the RV appropriately.
Insuring the Vehicle
Buying an insurance policy requires more than comparing the rates that are available. As your insurance agent, we ask for information related to the vehicle so that we can make sure that the policy is appropriate for the RV that you have purchased. Generally, you will need to provide a driver’s license number as well as basic information so that it is possible to obtain your driving history. If you are not sure if your driver’s license is appropriate, then an agent can help you determine if there are any special factors that you will need to consider.
Operating a RV can allow you to enjoy camping trips, a long drive or even a quiet lifestyle, but you should always make sure that you are following any standards that are set by the state. To learn more about protecting your RV, contact us to speak to an agent today.
They say that everything is big in Texas, but that does not have to mean that you have to pay a big price for auto insurance here in Carrollton, TX. We all want cheap car insurance and we all want value for our money.
You don’t want to buy a policy with a $5,000 deductible that only uses reconditioned parts. If you get into an accident and your car needs extensive repairs, you want OEM parts. What good is it if you find a car insurance company that will sell you a policy for 25 percent less than the competition when that insurer denies more claims than it approves?
The best way to buy good, cheap car insurance is to get quotes and compare rates from more than one insurance company. We make it easy for you to get real-time quotes right here on our website. All you have to do to get started is to enter a few pieces of basic information. In minutes, you will have quotes presented from several different insurance companies.
Now, most car insurance companies are fair and pay legitimate claims, but they may take their sweet-time about doing so. Customer service does matter, and you want a friendly voice at the other end of the phone, whether you have expensive insurance or cheap insurance. We have all heard horror stories about insurance companies that fight you tooth and nail before releasing any money for a legitimate claim. You may have been unfortunate enough to have been offered a low-ball settlement that does not begin to cover the extent of your losses. All of the auto insurers on our site are highly reputable and are known to be fair when it comes to processing claims.
Getting cheap auto insurance is not a matter of luck. You can’t ignore the fact that auto insurance companies charge different premiums for the same exact coverage. Get multiple quotes so you don’t pay too much for the coverage you want and need.
A homeowners insurance policy will probably not cover the cost of a new water heater if it stops working and you are only getting cold water. If you look at any standard home policy, you will see that you are only covered for certain perils. It does not pay to repair or replace broken appliances, air-conditioners or water heaters.
If you go away for the day and come back to discover that your water heater exploded, shattered a window, and flooded your entire first floor, your homeowners insurance will pay for the resulting damage. Depending on the terms of your policy, they may or may not pay to replace and install a new water heater. Damage caused by broken pipes, kitchen fires, and other things that you don't expect to happen, are usually covered by your homeowners insurance policy. Damage caused because of your negligent or intentional acts are usually not covered.
So, if you decide to unscrew the service panel and ignore the warning that your water heater should only be serviced by a professional, you are assuming the risk in case something goes wrong. If you short-out the heating element, or even worse, electrocute yourself, your home insurance will be of no help, but your beneficiaries might collect on your life insurance policy.
There are some instances where you will be able to receive a brand new water heater courtesy of your insurance company. If there is a fire that destroys your water heater, you can file a claim under the contents portion of your home policy. If any covered peril causes your water heater to break and no longer be able to do the job it was intended to do, you will be reimbursed. If you want insurance in case your water heater breaks, you can always purchase an appliance service policy. Contact us today to learn more!