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Houston, Texas (TX) Car Insurance

April 23, 2010

Looking for Car Insurance in Houston Texas? You are just one step away from finding a great rate on your Car Insurance in Houston Texas. At TXInsurancePro.com we not only offer you the most convenient way to find the lowest Houston county car insurance rates in the state of Texas, we also provide our consumers with up to date information regarding Houston, Texas car insurance companies. With all the factors that go into shopping for insurance, TXInsurancePro.com can help you understand what each insurance company looks for when they determine how much you pay.

Facts about the city of Houston pertaining to auto insurance:

Houston, Texas Car Insurance Facts:
25.8 – The average travel time to work for most of the residents in Houston is about 25.8 minutes but there are still ways to save money even if you spend a lot of time on the road.

190 – In 2007 approximately 190 fatal car crashes in Houston alone, that does not include the remainder of the Harris county. Each insurance company takes a different approach to the city of Houston. It’s important to know which company gives the best rates in your zip code.

450 – Approximately 450 people were involved in the fatal accidents in Houston. As a matter of fact, insurance companies now offer larger discounts for lower commutes and vehicles with safety devices.

270– Approximately 270 vehicles involved in those car accidents. Not only will taking a Defensive Driving Course give you a discount on your insurance, but accident prevention courses will also help you live safe, more secure lives.

60 – The average speed limits in Houston are at least 60 MPH. If you drive on the toll ways, those speed limits can increase to as much as 70 MPH. Accidents can happen anywhere; practicing safe driving habits on the highways and on the local roads keeps you out of trouble and can earn you insurance discounts as a safe driver.

19500 – In 2007 there were about 19500 auto thefts in the city of Houston and the surrounding areas. Where you park your car at night, what kind of car you drive and anti-theft devices in your car can make a difference.

25% - In 2009 approximately 1 in 4 cars registered in Houston count were uninsured. It is important to make sure you carry the right coverage. Coverages like Uninsured Motorists protection can help you save money by giving you an added level of protection.

Here’s a breakdown of the top 10 targets in Texas:

  1. Dodge Ram pickup, 2004
  2. Ford F150 pickup, 1997
  3. Honda Civic, 2000
  4. Honda Accord, 1994
  5. Chevrolet extended cab 4×2 pickup, 1997
  6. Ford F250 pickup, 2004
  7. Chevrolet conventional cab 4×2 pickup, 1988
  8. Ford F350 pickup, 2006
  9. Ford Taurus, 1997
  10. Ford Explorer, 2002

Fortunately, TXInsurancePro.com can help find you the most affordable rates for any situation. Use all the resources we offer online to understand why you are paying too much on your current insurance policy, and then find more affordable rates with TXInsurancePro.com. Click here for your free online insurance quote today. Click on a link below for more information about another city.

Written by dberry · Filed Under Auto 

Kemper A Unitrin Business

April 18, 2010

Kemper – A Unitrin Business

Carrier Details
A.M. Best Rating: A-

-At TXInsurancePro.com, you can buy with confidence, because we research and select only top companies with a proven record of customer service and financial stability.

Why Choose Kemper – A Unitrin Business?

Kemper’s predecessor date back to1926 and was acquired by Unitrin in 2002 from Lumbermens Mutual Casualty Company.  Unitrin, Inc. is a $3 billion, NYSE listed company.  Unitrin uses the registered trademark “Kemper” under license for personal lines insurance only. Today, Kemper works with more than 4700 independent agents who provide customers with a choice of insurance companies, policies and insurance programs designed to meet their individual needs.  Kemper has more than 755,000 policyholders nationwide.

Certified Outstanding Claims Service

J.D. Powers consistently recognizes Kemper’s claims center for their service.   Kemper’s claims service was recognized for meeting or exceeding in over customer satisfaction, homeowner claims satisfaction, and having car repairs completed when promised.

Rated A- (Excellent) by A.M. Best

Kemper – A Unitrin Business receives an A- (Excellent) rating from A.M. Best Company, an independent firm that rates the financial strength and performance of insurance companies. An A- rating is one of the highest ratings and means you can trust the stability and longevity of Kemper – A Unitrin Business.

Valuable Discounts and Coverage Options

The Hartford offers many discounts that reward safe drivers. Your TXInsurancePro.com agent can help you get the best rate on your quote from Kemper – A Unitrin Business. You can also get the same great discounts from Kemper using our easy online quote process.

You may be eligible for these money-saving discounts and benefits from Kemper – A Unitrin Business:

  • Safe Driver Discounts
  • Good Student Discounts
  • Driver Training Discounts
  • Defensive Driver Discounts
  • Multi-policy Discounts
  • Homeowner Discounts
  • Renewal Discounts
  • Air Bag Discounts
  • Anti-theft Device Discounts

And, your TXInsurancePro.com agent can explain the valuable, optional coverages Kemper offers, such as:

  • Rental Reimbursement
  • Annual Policy Option
  • Accident and Ticket forgiveness

As a Kemper car insurance policyholder, you can call Kemper 24 hours a day, 7 days a week for Claims Service. Or, access your policy from E-Kemper Online.

Written by dberry · Filed Under Auto 

Car Insurance in Dallas Texas (TX)

April 18, 2010

Looking for Car Insurance in Dallas Texas? You are just one step away from finding a great rate on your Car Insurance in Dallas Texas. At TXInsurancePro.com we not only offer you the most convenient way to find the lowest Dallas county car insurance rates in the state of Texas, we also provide our consumers with up to date information regarding Dallas, Texas car insurance companies. With all the factors that go into shopping for insurance, TXInsurancePro.com can help you understand what each insurance company looks for when they determine how much you pay.
Facts about the city of Dallas pertaining to auto insurance:
Dallas, Texas Facts:
26.9 – The average travel time to work for most of the residents in Dallas is about 26.9 minutes but there are still ways to save money even if you spend a lot of time on the road.
140 – In 2007 approximately 140 fatal car crashes in Dallas alone, that does not include the remainder of the Metroplex. Each insurance company takes a different approach to the city of Dallas. It’s important to know which company gives the best rates in your zip code.
370 – Approximately 370 people were involved in the fatal accidents in Dallas. As a matter of fact, insurance companies now offer larger discounts for lower commutes and vehicles with safety devices.
210 – Approximately 210 vehicles involved in those car accidents. Not only will taking a Defensive Driving Course give you a discount on your insurance, but accident prevention courses will also help you live safe, more secure lives.
60 – The average speed limits in Dallas are at least 60 MPH. If you drive on the toll ways, those speed limits can increase to as much as 70 MPH. Accidents can happen anywhere; practicing safe driving habits on the highways and on the local roads keeps you out of trouble and can earn you insurance discounts as a safe driver.
13790 – In 2007 there were about 13790 auto thefts in the city of Dallas and the surrounding areas. Where you park your car at night, what kind of car you drive and anti-theft devices in your car can make a difference.
25%- In 2009 approximately 1 in 4 cars registered in Dallas count were uninsured. It is important to make sure you carry the right coverage. Coverages like Uninsured Motorists protection can help you save money by giving you an added level of protection.
Most stolen vehicles in Texas:
1. 2004 Dodge Ram Pickup
2. 1994 Chevrolet Full Size C/K 1500 Pickup
3. 1997 Ford F150 Series
4. 1996 Honda Accord
5. 2000 Honda Civic
6. 2004 Ford F250 Series
7. 1994 Chevrolet Suburban
8. 1997 Ford Taurus
9. 2006 Ford F350 Series
10. 2001 Chevrolet Tahoe
Fortunately, TXInsurancePro.com can help find you the most affordable rates for any situation. Use all the resources we offer online to understand why you are paying too much on your current insurance policy, and then find more affordable rates with TXInsurancePro.com. Click here for your free online insurance quote today. Click on a link below for more information about another city.

Written by dberry · Filed Under Auto 

Texas Home Insurance Policies are Not Created Equally

April 12, 2010

The other day, I spoke with a mortgage broker regarding getting his business and working with his clients.  I explained the normal sales pitch.  You know, my agency has great service, great Texas home insurance policies, great rates, and free online quotes.  You’ve heard it before.  He told me that was okay, but he only cared about the great rates.

Face it, Texas home insurance has increased over the past few years.  In a recent article published in the Dallas Morning News states that the following:

The National Association of Insurance Commissioners released Monday showed that the average annual premium in Texas for the most common homeowner policy was $1,409 a year, considerably more than the nationwide average of $804.

Even though the most common Texas homeowner policy can be rather expensive, there are some things that consumers can do to lower their costs without compromising their insurance coverage.  For the mortgage broker that wanted me to simply save his people money without regard for the type of policy I write I say to you, fooey! I will not compromise my client protection for the sake of a quick sale.

When you shop for home insurance in Texas here are a few tips to look for when you look at different insurance policies:

  1. Fire the Fire Policy – A Fire policy or a DP policy is an insurance policy that covers the dwelling or house only.  Typically, insurance agents have to add liability to the policy manually by endorsement only.  The primary use of this policy is for landlords that do not want contents coverage because they figure their tenants are going to get their own renter insurance policies.
  2. Home Owners Policies are for Home Owners – Home owners policies come in several forms.  The common thread for Texas home policies and other home policies is that they typically have dwelling coverage for the home, other structures coverage for out buildings, contents coverage for your personal contents, medical payments, and personal liability.
  3. Letters are for Texas Home Insurance Policies – Typically, Texas Home Insurance policies come in the forms HO-A, HO-A+, HO-B, HO-T, and HO-C.  There are other home policies out there, but until recently these were the most commonly written policies.
  4. Numbers are for National Policies –Companies are now offering national forms that offer even more flexibility than before.  Texas insurance companies like The Hartford, and Travelers, have begun writing HO-2, HO-3, HO-4, HO-5, and HO-6 policies.  The policy languages are similar Texas Home Insurance policies, but the coverage reflects companies outside Texas are writing.

With all that said, companies like State Farm, Allstate, and Nationwide have their own policies that do not fit into either category.  If you are insured with either of those companies, you can always compare those policies online at opic.state.tx.us.  Otherwise, always talk to an insurance agent that knows what is going on and can give you an honest policy review.  As a Texas independent insurance agent, it is my job to make sure that my customer has the right coverage, at the right price.  Independent insurance agents have a number of different companies available that Texas homes policies and National policies that will protect you according to your individual needs.  If you cannot find a good agent to compare your home policy online, then you came to the right place.  Call me at 214-717-4326.

As Featured On EzineArticles

Written by dberry · Filed Under Home 

Home Insurance without Mowing the Lawn is Great

April 11, 2010

Your condo association probably insures the outer structure and common areas. But what about additional protection for things like your unit, or coverage for your TV, computer, furniture and liability? That’s where Condo Insurance comes in.

Typically, getting coverage for the interior of a Condo is not a priority until it’s too late. Did you know that many insurance companies have been covering Condos over 80 years? Along the way, I’ve learned that every Condo owner has different needs and priorities. That’s why it’s important for you as a Condo owner to select the right amount of coverage at the right price. Keep in mind the following tips:

1. Personal Liability – With Condo Insurance, your personal property is protected no matter where you are. Depending on your state and company, you get different levels of personal property coverage whether you’re at home or whether you’re on vacation or simply traveling in your car.

2. Liability Coverage – If someone is injured in your condo, your condo coverage has the option of paying medical expenses. As a condo owner, you should select an appropriate level based on your needs.

3. Living Expenses – if you have to vacate your condo due to a fire or a covered claim, who is going to pay for your additional living expenses? If you and your agent structure your policy correctly, you won’t have to come out of your pocket due to an increase in your cost of living after a fire.

Talking to an independent agent is the best way to ensure that ytou have the coverage that best meets your needs. No matter what life brings your way, your agent and insurance company will always be there to make it right; that is, if you choose to obtain condo insurance. So if you’re a condo owner and you think you need condo insurance, give your local independent agent a call to discuss what level or protection is right for you.

If you’re a Texas condo owner and you do not have an independent agent, contact me Texas Insurance Pro to discuss how you could enjoy exceptional protection and peace of mind with condo insurance from various companies.

As Featured On EzineArticles

Written by dberry · Filed Under Home