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Does your Texas auto insurance company offer accident forgiveness?

June 15, 2010

If you have auto insurance in Texas, you have probably heard insurance companies making claims that they will forgive your first accident.  That is right.  I said many Texas auto insurance companies will forgive your accident.  Before you run to the nearest parking lot and hit back into your neighbor’s car, you’d better check the fine print.

Each company has a different definition of accident forgiveness.  Here are a few questions to ask when your auto insurance company says that they will forgive your accident.

  1. What’s the threshold? Some Texas Insurance companies will forgive all your accidents under a $400 or $500 payout.  So if you bump into your neighbor’s car and they insist on calling your insurance company, low cost claims under $400 will be completely forgiven.  As a result, your rates won’t change.
  2. Will I lose any discounts? Some Texas auto insurance companies like to play games with the accident forgiveness.  Their pricing is so complicated that even if they forgive an accident, you still lose an accident free discount.  As a result, even though they forgave your accident, you still got a rate increase because you lost the accident free discount.  Is that confusing or what?
  3. Do I pay more for accident forgiveness?  Some car insurance companies actually make you purchase a higher level of coverage so that you can get “unlimited” accident forgiveness.  This may be a good package if you have a teenager with a bad driving record.  However, if you have a clean driving record, I thought the purpose of the exercise was to save money on your car insurance.  So if your agent says that you have the Gold or Platinum package, you might want to continue looking around.
  4. How long does it take to earn accident forgiveness? Some auto insurance companies offer accident forgiveness only been claims free or “surcharge” free for a number of years.  While other companies offer accident forgiveness after you have been insured with them for a number of years without an accident.  Each Texas insurance company has their own version of earning accident forgiveness.

Accident forgiveness can be an extremely useful tool on your Texas auto insurance policy.  As we previously mentioned, each company has different definitions for their accident forgiveness and claims free discounts.  The next time you shop for insurance in Texas, these four questions can go a long way into helping you decide which insurance company and insurance agent is best for you.

Written by dberry · Filed Under Auto 

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 

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 

Getting the best insurance rates on your new car

March 7, 2010

Auto Insurance

When purchasing a new car and shopping for car insurance, it is unwise to purchase car insurance from a car dealership. For the most part purchasing a new car is an emotional decision. Purchasing car insurance is a logical decision. When making the decision to go from an old car to a new car can result in higher insurance premiums, but in many scenarios purchasing a new car can result in lower insurance rates.   Getting the best insurance rates on your new car can be easy if you talk to the right people. 

First of all, talk to someone who can give you several different rates.  The discounts offered by different companies can be confusing.  Many times, when a person goes from and old car with full coverage insurance to a newer car with full coverage insurance, car insurance companies will give you discounts on your auto insurance due to the safety features of your newer car. This varies based on your insurance company. So in this case, it would help for you to shop your car insurance online in order to get the best rates.

With today’s technology, shopping for insurance on the internet is easier than ever. Once you get your rate online, an agent can call you with the lowest rates on your car insurance. At the same time, with your permission, the agent can verify your driving record and claims history. Having a clean claims history and good driving record can earn you many discounts and benefits including, accident forgiveness, claims free, and safe driver discounts depending on the company.

Many times, people shop without looking at their entire insurance package. Insurance companies give better rates based on the number of cars and policies you insure with them. For insuring more than one car, you get multiple car discounts. For combining your home, boats, or recreational vehicles, insurance companies will give you multiple policy discounts. In many cases, having more than one policy could save you more than 30% on your monthly insurance premium (price).

Ultimately, saving money on insurance will come down to how well you do your homework. By talking to an independent insurance agent and by consulting with your friends and family, you can save tons of money when shopping for car insurance.

Written by dberry · Filed Under Auto 

Locate the Best Auto Insurance Company

March 6, 2010

Everybody would love to have the “best” when it comes to just about anything and this should be especially true when it comes to car insurance companies. Consumers must take a moment to understand what makes up an ideal carrier before they can locate one and they must also realize that a good insurer for them may not be the right one for another individual. So if a friend or loved one refers you to a particular coverage provider that they are satisfied with it is a good idea to consider their recommendation, but the chances are that another carrier may be a better option.

In order for an individual to find the best auto insurance companythey must understand their needs and what they expect out of a carrier. There are a wide variety of companies out there to choose from and finding the right one will take narrowing down things such as price range, types of coverage and the limits desired. Many consumers decide to purchase the minimum coverage required by their state so pretty much any insurer will be able to offer the product that they are looking for since states usually do not allow a provider to sell policies that do not meet the requirements of the law, but if an individual is in need of more protection then the number of companies to choose from will begin to narrow down.

Finding the Best Car Insurance Companies

Before a motorist can find the ideal carrier they must determine what they are shopping for; as mentioned above some individuals will need more coverage than what the state requires. As an example, if a person lives in a state that follows the Financial Responsibility law then they will have a minimum limit of liability for bodily injury and property damage that must be purchased; not all companies will offer higher limits, therefore these companies will not be right for someone who needs more liability protection and can be eliminated them from their search.

The next thing that makes up a good insurer, and I am sure most will agree is cheap rates; if a person can get a quality product at a low price then all the better. It has been said over and over again by every consumer guide and state department of insurance, but it is absolutely true that finding the right coverage from the right company is best achieved by comparison shopping. When comparing the prices of companies it is very important that the same amount of coverage is compared with each company to ensure that a proper comparison is being conducted; comparing based on different levels of protection will only provide quotes which cannot be compared since prices will be based on different products.

After finding some good prices for the product desired do not make a haste decision and purchase the cheapest one, there is still a couple of steps to take to find the right company. Out of the cheapest rates found take a look into the companies offering them. The Texas Department of Insurance suggests to check licensing status, financial strength and complaint index; following these steps can help find the best company and avoid insurers who are not financially sound, unlicensed or lack good customer service.

Written by dberry · Filed Under Auto