I’m Elderly. How Will That Affect My Auto Insurance?

When it comes to determining automobile insurance rates, age is one of the primary factors insurance companies consider. In general, a driver’s age is a good gauge of your driving experience and accident risk — the more years behind the wheel you have, the less likely you are to be involved in a collision and submit an insurance claim, and the more attractive you are to your insurance company. An exception to that measure is older drivers. In fact, the insurance rates jump between the ages of 60 and 70-year-olds is 18%! 

Why do Seniors Often Pay More for Car Insurance? 

Insurance companies set their rates based on age groups based on the general driving habits of that age group, so even if you’re a good Dallas, TX driver with a clean record, your rates will probably rise as you age. As a group, statistics show that senior drivers are more accident-prone than younger age groups. Some of the reasons for this may be changes in vision and hearing, medications, health conditions, and slower reflexes. As well as possible changes to safe driving habit changes, statistics show that regardless of collision severity, senior drivers suffer more severe injuries and more fatalities than their younger counterparts. 

How to Keep Insurance Premiums Low 

While the fact is that if you are over 65, your auto insurance premiums will typically go up, there are a few ways to keep costs lower. Here are a few ways State Insurance Solutions recommends to do that: 

Change your driver status – 65 is the age many people choose to retire, meaning that you likely won’t be commuting to work anymore. By reducing the miles you drive in Dallas TX every year, you can see significant savings on your rates. Talk to your agent to review your status and change the number of miles you drive to “leisure”. 

Take a Safety or Accident Prevention Course — Many insurance companies offer in-person and convenient online safe driving classes that could save you up to 10%, however, the actual amount will depend on all factors considered, including your previous driving record. 

Join a Membership Club – Many organizations such as the AARP offer a promotional price called an “affinity discount” to senior drivers.  

For more information about how to keep your insurance rates low during your senior years, call State Insurance Solutions and speak to a friendly agent today! 

Reclaiming your totalled car in Texas

When you are in an accident your car may be declared a total loss by the insurance company. If the cost to repair the vehicle is more than the market value. State Insurance Solutions in Dallas, TX can help you sort your options, and can help you make sure you have the insurance you need.

If the costs between the two are very close there may be some negotiation involved. If you disagree with the value the insurance company places you may check with car dealers and vehicles for sale to make your case.

If you want to keep your car you have to let the insurance company know as soon as possible. Soon after the claim is settled the car will likely be sold for salvage.  If you decide to keep your car, the insurance company will subtract the salvage value from what it was intending to pay you. The salvage value is low, so you will still get some money.

Once you make the choice and the claim is settled you will be given a salvage title.  You will still have to get a new title from the Texas Dept. of Motor Vehicles before the car can be legally driven.  Even with a new title, the fact it has been salvaged will be noted. It will be fine for driving but you may have a hard time selling the vehicle at a later date.

Call or visit State Insurance Solutions in Dallas, TX to get the insurance you need and your insurance questions answered. You may visit our professional staff in person, or give us a call. You may also visit us online and use our online tool to get an idea of what your insurance rates will be.  Get in touch with us today to make sure you have the coverage you need.

How to avoid hydroplaning

When you’re caught in a downpour in Dallas, TX, road conditions can quickly deteriorate. Keep yourself and your passengers safe by remembering the following tips to avoid hydroplaning, brought to you by State Insurance Solutions.

Be Aware

Hydroplaning often happens when a large amount of rain falls, especially in a short period of time, but it can happen any time there is an excessive amount of water on the road. Even if it is not currently raining, be aware of the road conditions and drive accordingly.

Drive Slowly

When conditions are favorable for hydroplaning, you should always drive cautiously and slowly, even as slow as 30 MPH. You should also take your foot off the gas as soon as you begin to feel your vehicle start to hydroplane, and turn the wheel in the direction you are hydroplaning to help your tires get traction on the road.

Don’t Use Cruise Control

Cruise control is a convenient function, but many people don’t know that using cruise control can increase your risk for hydroplaning. If conditions are favorable for hydroplaning, refrain from using cruise control.

Maintain Your Tires

The conditions of the road are the major culprit of hydroplaning, but you can help reduce your risk by keeping your tires in top shape. Always keep your tires at the correct pressure for your vehicle, and don’t let them get too worn down before replacing them.

When you feel your vehicle hydroplane, it can be a scary experience and a reminder to slow down and take it easy on the road. In the event that hydroplaning causes an accident, State Insurance Solutions, serving Dallas, TX is here for all of your auto insurance needs.

Why Windshield Wipers are Important for Safe Driving

Your windshield wipers are something you may not think about until a heavy rain or snow storm. Living in Dallas, TX, a storm can sneak up on you, and if your windshield wipers aren’t working correctly, you can be in trouble.  You depend on those wipers to clear the windshield to improve visibility, and nothing is more frustrating than realizing too late that they aren’t working properly.

Windshield wiper blades become dry and brittle by their exposure to all types of weather conditions.  Over time, they can crack and break apart becoming a hazard to visibility and possibly expose the metal that can scratch your windshield.  All of this is easily avoided with some regular simple maintenance and replacements as needed.  Never get caught trying to see when it’s pouring down rain or in a significant snowstorm with these tips to healthy windshield wiper blades.

To maintain your windshield wipers, periodically run a wet towel along the edge of the blade to remove dirt, dust, and grime that build up over time.  A quick wash will extend the life of the wiper blade and alert you to any cracks developing or if the wiper is becoming ridged and worn.  Having the wipers checked and replaced as needed when you take your vehicle in for routine maintenance is an inexpensive and easy way to keep them fresh and in good working order.  Be safe with better visibility. 

State Insurance Solutions

State Insurance Solutions provides auto insurance in the Dallas, TX area, and our independent agents care about your safety on the road.  Contact a State Insurance agent today to explore your auto insurance needs.  We can make sure you have the right coverage without items you don’t need at the best price possible.

Keep It Simple With Your Auto Insurance in Texas

At State Insurance Solutions we want the process of receiving an auto insurance quote and getting auto insurance to be simple and easy. It is a legal requirement to have insurance on your vehicle in the State of Texas, but that does not mean the process has to be complex. Come in or call us to see the difference. We serve Dallas, TX and the surrounding areas. 

How We Can Make Your Insurance Purchasing Process Simpler?

First, you will be working with an individual agent who understands your unique case. This will make any claims filed easier to navigate and it will make your experience with us a more positive one. This also means when you call us with questions you talk to someone you know. 

We stay up to date on any new legislation when it comes to insurance, and we can pass that information to you. This means that you have an insurance agent in your corner for needs beyond filing a claim or the original purchase. As legislation changes that effects drivers no matter the impact we will let you know. Some times that means better rates, sometimes it means new laws or requirements, either way we are here for our customers. 

Finally, you can purchase insurance in a fashion that is comfortable for you. If you want to come into our office, do a phone consultation, or apply online we have your preferred method and can help you as much or as little as you are in need of from our end. 

Contact one of our agents today to find out the difference at State Insurance Solutions. We proudly serve Dallas, TX and the surrounding areas with quality insurance services. 

Getting and Comparing Auto Insurance Quotes

Whether you are getting an auto insurance policy for the first time or changing from one insurance company to another, it is definitely wise to get auto insurance quotes before deciding which insurance company and policy to get. Here are some key tips on getting and comparing auto insurance quotes, brought to you by State Insurance Solutions serving the Arlington, TX area.

Narrowing down the search

There are so many auto insurance companies and options available that it can get overwhelming and confusing as to where to start your search. Narrow down to a handful of companies that have great reputations. Look for companies that are highly rated by their industry and by satisfied customers.

Obtaining quotes

Once you have narrowed down to about five or fewer auto insurance companies, request quotes. You can typically do this online. Be sure you are comparing apples to apples by obtaining quotes that all have the same coverages and specifications.

Comparing quotes you obtain

Make a comparison between the quotes you obtain, looking at factors like total cost and what benefits you will receive for that cost. Keep in mind that the least expensive policy might not be the best option for you. As the saying goes, you get what you pay for, so consider the quality of coverage you will be getting for the amount you will be spending. Take your time while you compare policies, as the decision you make on which insurance company to go with is a big one.

Working with a trusted company can help to streamline your search for auto insurance, and that is where we come in. Feel free to contact us at State Insurance Solutions serving the Arlington, TX area if you need assistance with your auto insurance search.

What is Bodily Injury Coverage in Auto Policies?

The majority of US states require that drivers have liability insurance when they drive.  The key piece of this insurance is bodily injury liability coverage which covers the injuries and damages of others when you are deemed responsible for the accident.  This forms an important piece of financial protection for you and your family.  If there is an accident, the injured party’s medical expenses can rapidly escalate when you consider the realm of what that can entail (doctor’s visits, ambulance, MRI, surgery, physical therapy, etc.).  Also, there is a high probability that they will sue you.  This means legal fees, court costs, and a possible judgment.  The team at State Insurance Solutions works with Arlington, TX area residents like you and businesses to make sure that their client’s vehicles are appropriately covered when they venture out.  Before and after an accident, they are your partners when you drive.

One important part of bodily injury liability coverage to understand is that while it pays for the medical expenses and legal fees of others, it will not cover your medical expenses.  The most common policies will cite “25/50/25” or similar numbers.  This indicates the amounts the policy will pay out.  The first number represents $25,000 for one injured person in an accident with a $50,000 maximum for the entire accident.  The last number represents coverage of $25,000 for damages.  These are the limits for an average policy.  If expenses exceed these amounts, you will be held responsible. 

Unfortunately, accidents occur every day.  That is why you need the appropriate coverage when you and your family members drive.  The agents at State Insurance Solutions work with Arlington, TX area residents every day.  They will get you the coverage you need for a price that fits your budget.  Visit them today! 

The Benefits of Using an Auto Insurance Broker

Deciding who to buy your auto insurance from is a big decision. However, before you can even pick a company to work with, you need to decide whether you are going to work with an auto insurance broker or an auto insurance agent.

An auto insurance agent works with a specific auto insurance company. They present you the plans that are offered by their employer. An auto broker works for you. They can pull plans from a wide variety of companies, not just one, presenting you plans from various auto insurance companies.

There are many benefits to using an auto insurance broker over an auto insurance agent. Most agents are loyal to the person who signs their paycheck. They make their money selling you a policy through their employer, regardless of whether it is the best one for you or not. A broker makes their money by selling you plans as well. However, they make their money from you buying any plan. As such, they are loyal to you, not an insurance company. What this means for you is that most auto insurance brokers can help you find the best possible policy for you, regardless of what insurance company the plan is with. This ultimately means that the policy may be better for you than a policy that an auto insurance agent comes up with for you.

There are many benefits to using an auto insurance broker. If you are ready to try one out, State Insurance Solutions, serving the greater Arlington, TX area, would love to help you. Give us a call today for a free quote or to get answers to any lingering questions you may have about auto insurance brokers.

3 Hidden Effects of Drinking and Driving

At State Insurance Solutions in Arlington, TX, they know firsthand how tragic a drunk driving accident can be. Not only does it result in your license being revoked and having to have SR22 insurance, but it also can end in the death of a loved one for you or someone else. It is estimated that around 28 people die every day in the United States alone because of drunk driving accidents. Many people don’t realize that there are hidden effects that you can’t see that your drinking is causing. Some of these are just as detrimental to your health as getting behind the wheel. 

Hormones and Sexual Functions

Many people don’t realize that drinking alters several of your hormone functions, including testosterone. While it might not seem like that big of a deal on a drunk Saturday night, it can have long-term effects. These include impotence for some men. 

Risk of Serious Injury

There is more to fear than getting in an accident while drinking when it comes to injuries. Studies show that every drink you take increases your chances of getting injured, even in the comfort of your home. 

Your Insurance Will Skyrocket

At State Insurance Solutions in Arlington, TX, they know that drinking and driving lead to bills you can’t afford. First-time offenders don’t seem to realize the fines, license suspension, and insurance rates can put them in the poor house — not to mention the possible jail time. 

These are just a few of the hidden effects that drinking and drinking and driving can have on you and your bank account. Think twice before you drink and drive. Next time just might be your last. Contact us today to meet all your insurance needs. Agents are standing by to assist you. 

Can You Add Drivers to Your Auto Policy?

Your auto insurance policy is something that changes and evolves with the needs of the driver. There are some drivers that can have the same policy for their entire life and never need to adjust and then there are others that need to adjust far more often. Keeping this in mind, those that live in the Arlington TX area can contact the agents at State Insurance Solutions for more information.

For many that have children, the eventuality that they will need to add their children to their policy is always there. You can of course add drivers to your auto insurance policy at any time and you can also remove them. There are some stipulations however to prevent people from adding random strangers to their policy in an effort to get lower premiums. You must have a personal stake in the car that is on your policy or the person must live with you.

This means that parents can add their children to their policy or you can add your name to the car that you want to add in order to qualify it to be added to your insurance policy. Adding cars is a great way to get discounts on your premiums and to help reduce your monthly costs. You can also add drivers without adding a car by simply listing them as alternative drivers on the car that is being insured on the policy. This is a great way again to get discounts and to make sure that you do not have to add two or three cars to your policy when you only need to add a driver.

If you live in the Arlington, TX area and you want to know more about who you can add to your auto insurance policy or if you want to add drivers, you can always contact the agents with State Insurance Solutions.