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Tips from Travelers Insurance to Help You Save on Auto Insurance

June 14, 2010

Travelers Insurance

Purchasing the auto insurance in Texas that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. TXINSURANCEPRO.COM and Travelers, a leading provider of auto insurance and homeowners insurance, offer these tips to lead you in the right direction when you purchase your car insurance Texas.

  • Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.
  • Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.
  • Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.
  • Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.
  • Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.
  • Insure more than one car with the same company, and you may be eligible for savings.
  • Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowners policy). The more good business you give the company, the more valuable you are as a customer.
  • Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.
  • Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.
  • Buy a safer car that will cost less to repair and less to insure.  Check crash-test reports, repair records and manufacturer recalls of any car you are considering.  A consumer protection magazine can be very useful or check car sites on the Internet.

Established in 2008, TXINSURANCEPRO.COM is an independent insurance agency offering a full range of insurance products including AUTO, HOME, LIFE,  and BUSINESS INSURANCE.

For information and quotes on insurance coverage, please visit

TXINSURANCEPRO.COM at 2695 Villa Creek Drive Suite 175, Dallas, Texas 75234 or call (214)717-4326.

About Travelers

Travelers insurance understands that life and business are inherently dynamic and that the best way to serve agents and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.

The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company’s diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Written by dberry · Filed Under Auto 

Brainless Tips to Saving on Car Insurance

March 19, 2010

With over 10 years in the insurance industry, I notice that everyone wants to save money on the things they have to buy like car insurance. In fact, companies like GEICO, Allstate, and Progressive, have made the term, you can save money on your car insurance, a household phrase. As an insurance agent, I can say with all certainty that everyone that drives a care falls into two following categories:

A. People that think they pay too much for their insurance.

B. People that think their rates are just fine.

So if you fall into one of these two categories, I’ve come up with 10 brainless tipsi that will help you save money on your car insurance.

1. Shop Early. Most people don’t realize it, but shopping at the last minute actually costs you about 10% on the average. Typically, insurance companies give lower rates to people who shop at least 7 to 10 days ahead of their policy start date. In car insurance, the early bird really gets the worm!

2. Know Your Coverage. Generally, insurance companies offer lower rates based on the type of coverage you carry with your current insurance company. Also, that shows a level of responsibility.

3. Compare Rates with an independent agent. Independent insurance agents can shop several insurance companies for you.

4. Tell the whole truth. Really? Did you think you could get away with hiding a ticket or an accident? Now insurance agents and insurance companies can run your driving record as soon as you talk to them, but that costs time and money. Giving the agent your driving record up front will save the agent time and you money.

5. Keep a Clean Record. Face it. The better your driving record, the better quotes you’ll get. This goes for everyone. Drivers that require SR-22 filings are typically classified as high risk drivers. So slow down and stopping drinking you speed demon!

6. Carry higher coverage now for lower prices later. Many insurance companies give better rates for people with higher liability limits because they are grouped with good drivers. With these same companies bad drivers typically carry minimum coverage. Which do you prefer, the good driver group rates or the bad driver group rates?

7. Give the whole story. If you have more than one car, make sure and get a quote on ALL of your cars. Insurance companies always like numbers higher than 1. It will save you money with the multi-car and package discounts when you insure your 2 cars and your home with your 2 policies.

8. Ask for Education and Occupation discounts. Everyone knows that if a young student earns a B average in school, he can get a discount. Did you know that adults with college degrees can get discounts, and teachers get really good rates too?

9. Carpool. If you have a long drive to work, it might pay to carpool. By lowering the number of miles you put on your car, you also lower your insurance. Generally, if you drive less than 7500 miles per year you will get a lower rate.

10. If all else fails, get a horse. If none of these ideas work, then you may be a good candidate for a horse. Typically most people can save money with these tips. If none of them help you, then you may need a little intensive work.

Get connected to an independent insurance agent online by visiting Texas Insurance Pro.

David Berry is a freelance writer and licensed Texas Insurance agent. Visit him at http://www.txinsurancepro.com.

Written by dberry · Filed Under Auto 

Another North Texan saves on his car and home insurance

February 26, 2010

 

“My name is Jimmy Sadoski, and I just saved $484 on my auto and home insurance with Texas Insurance Pro and my man, David Berry.”  From an insurance agent’s perspective that’s music to my ears.  Many people in Texas over pay for their insurance because they have the wrong insurance company.

There is no one size fits all approach to saving money on car insurance in Texas.  However, if you get with an independent insurance agent like TXINSURANCEPRO.COM, you can save money on your insurance.  Unlike captive agent companies like, Allstate, State Farm, and GEICO, we compare rates with several carriers. With our ability to compare rates online for you, we find the best discounts for your individual driving record and situation.  In the end, TXINSURANCEPRO.COM can help you too save over $400 per year on your car and home insurance.

Written by dberry · Filed Under Auto 

Putting companies to work for you

February 19, 2010

 (NAPS)—Car insurance may be one of the last things that comes to mind when you think about saving time, but the insurance company you choose can actually have a big impact on your time should trouble strike.

If you’re in an accident that results in a claim, you could spend days handling the claims/repair process yourself.

That’s one reason it’s a good idea to check out insurance options that can save you time. For instance, the concierge-level of claims service offered by The Progressive Group of Insurance Companies is a unique claims repair option that takes only 15 minutes to complete. Simply drop off the damaged vehicle at one of Progressive’s facilities offering this service and a claims representative handles the entire claims/repair process for you— from start to finish.

Here’s how the process works:

                You can call or go online to report a claim—anytime of the day or night—and schedule an appointment to bring the vehicle to a nearby facility offering the concierge-level of claims service.

                In about 15 minutes, you’re in a rental car (if included on your policy) with assurance that you’ll receive updates from your claims representative.

                Your claims representative prepares a repair estimate andcontacts an auto body shop that has met strict quality requirements. Progressive and the shop reach an agreement on the cost of the repairs and the shop trans-ports the vehicle to the facility to begin repairs.

                When work is finished, the vehicle is returned to the insurance facility, where your claims representative and the body shop inspect the repairs.

                After the insurance company is satisfied with the repairs, you are called to pick up your car. You inspect the repairs and, if satisfied, drive off with a guarantee on those repairs for as long as you own the vehicle.

Throughout the process, you receive updates via phone or online. For more information, visit www.txinsurancepro.com.

Did You Know?

An auto claims option from The Progressive Group of Insurance Companies takes 15 minutes to complete. With the concierge-level of claims service, customers simply drop off a damaged vehicle at a participating facility. A claims representative handles the process from that point on..

Written by dberry · Filed Under Auto 

Travelers Texas Auto Insurance

February 1, 2010

Every day, the GEICO cavemen, Allstate’s good hands people, and your friendly neighborhood State Farm Agent that is always on your side at Nationwide sell you images of why they are the best company for you.  Let’s face it, we all work hard and want to save money on car insurance and home insurance.  As an insurance agent, I see the commercials you see every day.  As an independent insurance agent, I am faced with the task of presenting different companies to my clients. 

When a client makes a special visit to my office to talk about their claims experience, as an agent I am forced to take another look at that company.  Recently, Regina H, one of my clients was involved in an accident and Travelers had to handle the claim.  After the Travelers Concierge Claims Center located at Crest Infinity of Plano, Texas repaired her car, Regina came to the office and stated the following:  “…David, this was the best insurance claims experience I’ve ever had!  I took my car the concierge place (claims center); they took my keys and gave me a perfect car back—no problems.  I don’t know if you can get me with Travelers, but I like that company.”

It is rare that we take time to recognize when an insurance company does well.  I say, “Kudos to the Travelers Texas Claims team and their representatives.”  I have started taking a closer look at their policies and their discounts.  Do I recommend Travelers on every deal?  The answer is no.  Since, as an independent insurance agent, I realize that one size does not fit all. Therefore, everyone does not always get the best rates through the same company. When it comes to your car insurance and your home insurance, make sure that you go beyond simply getting the lowest rates alone.  Ask yourself the following questions:

  1. Is the company reputable?  The majority of the companies you see on television are good insurance companies.  They have to be.
  2. Are their rates good for you?  Face it, if you have perfect credit and you have a good driving record, every company will give you a good rate.  What about you?  Don’t just settle for the first name brand company’s prices.  Talk to an independent agent.
  3. How well do they handle claims?  An insurance company is only as good as your last claim.  You can get a cheap car insurance quote or a cheap home insurance quote, but if you have a claim, is your company going to respond like Travelers did for Regina?
  4. Do they offer package discounts?  Often insurance companies offer discounts for insuring auto and home together.   

In the case of Regina H and Travelers, it is time for her annual review.  We will take a closer look at Travelers because they’ve apparently passed my 4 question test.  They have been around for about 150 years.  Travelers recently increased their auto and home package discount.  So, now Regina can get even better rates.  We all know how well the Concierge Claims Center handled Regina’s claims.  Also, the most recent rate was a good one.

Remember, this story when you’re shopping for car insurance or home insurance.  A good claims experience and a reputable company can go a long way saving you money and not costing you problems down the road.

Travelers Texas auto insurance offers competitive rates on auto insurance with broad coverages and additional optional coverage to enhance your protection. Plus, important extras to get you on the road fast in the event of an accident.

The Travelers Texas Auto Policy Provides:

  • Collision Coverage. Covers auto damage from a collision with another car.
  • Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
  • Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
  • Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else’s auto or property.
  • Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
  • Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.

Additional Coverage Options:

  • Rental Reimbursement. Covers the expense of a rental car while your vehicle is being repaired.
  • Towing and Labor. Provides towing service for a disabled vehicle.

Getting You On the Road Is Our First Priority

Travelers Texas Auto Insurance offers these important extras:

  • Fast, efficient claim handling available around the clock, 365 days a year
  • Countrywide, guaranteed auto repair program
  • World-class auto glass repair shops that can provide service at your home or office

You Can Save With Travelers

In addition to competitive rates that recognize customer differences, Travelers offers a variety of features that may further reduce your premiums:*

  • Multi-car
  • Hybrid Auto
  • Good driver
  • Driver training
  • Good student
  • Savings for vehicles with passive restraints, airbags, anti-lock brakes
  • Certain anti-theft devices

For even greater savings, convenience and simplicity, you can bundle your Texas auto policy with another Travelers Texas home, condominium, or tenant policy.

Written by dberry · Filed Under Auto 

Tips for North Texas to Save money on your Auto Insurance and Home Insurance

January 2, 2010

Saving money on your auto insurance and home insurance can seem to be a difficult task. Many websites state that they can help you save money on your auto insurance, but you quickly realize that they’re just a site trying to sell your information to another company. Be careful when you shop your car insurance because identity theft is prevalent in today’s society. So instead of going to a website that sends your information to a bunch of different agents, you can start here and get a quote right away.

Most auto insurance and home insurance companies offer discounts for seatbelts, safety features like airbags, and anti log brakes. Everyone knows that if you insure your auto insurance and home insurance in a package, you can lower your insurance rates.

As an insurance agent, we can offer a few additional tips to lower your auto and home insurance payment. The bottom line is that it pays to know what discounts to ask for when you’re shopping for auto insurance and home insurance. The following tips will help you better shop your auto insurance and home insurance:

  1. Always look for package deals first. Some companies offer multi-policy discounts or account credits which can lower your rate by as much a 30%. Texas Auto Insurance and Home Insurance companies want more account business to balance their portfolios.
  2. Don’t wait until the last minute. When you receive your renewal statement in the mail, start shopping then. Now companies are giving discounts if you shop early and make your decision at least a week or two ahead of time. If you wait until the last minute, that could cost you 10% on your rates.
  3. Carry more than the state minimum coverage. Auto insurance companies are now giving discounts and lower rates for having higher limits before your switch your insurance. 
  4. Consider Increasing your Deductible. If your deductible is $250, raising it to $500 could decrease your premiums. Also many Texas auto insurance companies are now offering “decreasing” or “diminishing” deductible options as an addition to their standard auto insurance policy. So if you have a good driving record with a $500 diminishing deductible, odds are that your first auto insurance claim will have a lower deductible than you expect.
  5. Keep up with your home maintenance. Typically, our home insurance increases as our homes get older. Did you know that if you’ve had your roof replaced because of a hail storm you may get a discount on your home insurance? By keeping up with the plumbing, electrical, air conditioning and roofing, you may save money on your home insurance by reporting these things.

Our website is different than other websites. We save you money on your car insurance and home insurance because we are actually insurance agents and we represent many Texas Insurance companies. It pays to shop your auto insurance and home insurance with an independent agent that will look for the packages that will give you the lowest rates. Also by going directly to the company, we cut out the hassle of making and receiving a bunch of phone calls. Once we enter your information, we get several auto insurance quotes and several home insurance quotes instantly.

All of our auto insurance carriers are A-rated Texas Auto Insurance companies. Those companies include Safeco, Progressive, The Hartford, Travelers and more.

We also represent many home owners insurance companies as well. Since you can choose from The Hartford, Travelers, ASI Lloyds, and Kemper for your home insurance you can be sure that you’re getting the best deal with the least amount of hassle.

So the next time and auto insurance company or home insurance company tells you that they can give you the lowest rate, ask them home many companies they represent. If they only have one or two auto insurance or home insurance companies, and they don’t ask you about your home renovations then they might not be giving you the best rates on your auto or home insurance. If that is the case, call us at 214-717-4326 or click here, and we will shop your auto insurance and home insurance and find the best package for you.

Written by dberry · Filed Under Auto, Home