Month: April 2015

Cheap Auto Insurance for Teenagers

Once your child turns 15 years of age in Texas, he can apply for a learner’s permit to start learning how to drive. This is not only a momentous occasion for your child, but for you too. Deep inside you’re probably proud of him or her for learning how to drive. On the other hand, you may be terrified of what he’ll do to your auto insurance premium. Yes, you’ll probably have an increase in your premium. However, these tips might be just what you need to offset increased charges and ease the burden just a little!

Talk to Your Child About Safe Driving

The more your child learns about safe driving, the less you’ll have to be concerned about his safety, accidents, your automobile and an increase in your auto insurance premium.

• Discuss rules about driving, alcohol and drugs.

• Explain the importance of not using a cell phone while driving.

• Consider limiting the number of kids allowed in the car while driving.

• Teach your child to obey driving laws and provide an explanation.

• Before your child begins learning to drive, establish ground rules. Consider setting a time limit and driving restrictions like no driving on school nights after 10 pm.

• Monitor your child’s driving and correct him when he makes a mistake. Explain what he did wrong, why and how to correct the mistake.

The Best Car for Your Child

• New vehicles cost more to insure than older cars.

• Newer cars do have more safety devices like air bags than older models.

• Auto insurance is less on older vehicles because they cost less to repair.

• Sports cars may encourage a teen to drive faster and recklessly.

• Sports cars typically cost more to insure because of expensive repairs.

• Overall, older cars offer more protection to drivers and passengers in an accident.

• Older sedans cost less to purchase than new cars, they are heavier and can withstand the damages of an accident more than newer lightweight vehicles.

A New Auto Insurance Policy or Yours

You can add your teen to your existing auto insurance policy or buy a separate policy just for him. However, most of the time, the cheapest route is to add him to your policy. Get an insurance policy from your local Texas insurance agent, here is one for you: <a href=””></a>.

Comparison Shop for Auto Insurance Deals

Before settling on one insurance carrier or automatically adding your child to your existing policy, consider comparison-shopping. There are several websites that allow you to comparison shop for auto insurance, which will give you an idea of the current rates and what to expect.

Teenage Discounts?

• Encouraging your child to keep his grades up could result in a discount from some insurers. Most insurers offer a discount for students with a grade point average of B or better.

• Enroll your child in a driver safety education class at school or online.
You’ll feel better about his driving abilities, and you may qualify for a discount.

Look for Auto Insurance Discounts

• After some time, your teen may qualify for a good driver discount if he has no accidents or violations.

• Adding additional safety features to a vehicle could reduce premiums.

• Consider bundling packages for auto and home insurance to reduce premiums.

Increasing the Auto Insurance Deductible

If adding your child to your insurance in Texas makes your premium unaffordable, consider increasing your deductible to reduce your premium amount.

The best thing you can do to prepare your child for driving, is to answer his questions about driving, help him to understand the rules of the road and encourage good driving habits. Getting auto insurance for your child will be an additional expense. However, driving an older model vehicle, maintaining good grades and taking a driver education course could make a difference.

How To Get Good Homeowners Insurance In Houston

There are many excellent companies offering the homeowners insurance Houston residents need. Houston, Texas is a major insurance market. A wide range of insurance companies do business there. There are so many large and small companies offer the great rates on homeowner insurance Houston residents want that deciding which one to choose can be difficult. Houston homeowners often must decide if they want a policy from a large, well-known, national company, or if they’re simply looking for the most comprehensive coverage at the lowest price. Either way, Houston homeowners have some very good options,they van visit All they require is a clear understanding of the type of coverage they need.

Talk To An Experienced Insurance Agent

The information on the homeowners insurance Houston residents need is readily available if they talk to an experienced insurance agent that’s familiar with the Houston market. Purchasing a home in any city presents unique challenges. In some cities, floods, storms, landslides, or other natural disasters are something homeowners must make sure their homeowners insurance covers. In other cities, break-ins, vandalism, and other crimes are a major concern. An experienced insurance agent can educate you on the specific challenges Houston homeowners face and the type of insurance coverage homeowners should make sure is in their policies.

Do Some research

Some of the pertinent facts about homeowners insurance Houston homebuyers require can be found if they do some research. The internet is a great tool to use to find information on crime statistics, the frequency and intensity of inclement weather and natural disasters in the region, arson, break-ins, and other property crimes, and any other type of information they need to understand the type of homeowners insurance Houston homes require. Talking to family members and friends living in Houston can also help. The police, disaster relief organizations, and state and local government agencies can provide valuable information as well.

Research Rates And Coverages

Whether it is your first or twenty-first time trying to insure your home, you should make an effort to find the most comprehensive and affordable homeowners insurance Houston, Texas has to offer. The average person simply signs up with the first company they see, or they re-sign with the company they’ve been using for years. But the cost, coverage offered, and coverage needs for homes change over time. Sometimes the entrance of a new insurance company into the market or a new threat in the area can cause the homeowners insurance Houston residents need or can have to change. Call around, check the internet, and ask a few questions before you purchase or renew your homeowners insurance.

Buyer Beware

When people are buying homes in Houston, a home disclosure report is one of the things they should get from their agent or the agent for the seller. It contains a list of the problems the home has had in the past. Things like water or structural damage can drive up the cost of the homeowners insurance Houston homeowners are required to purchase. In some cases insurance companies may even deny coverage because of pre-existing conditions related to the home. Buyers should also get a Comprehensive Loss Underwriting Exchange (CLUE) report. This shows the list of claims that have been filed on the home by previous owners. Those claims can sometimes impact the home’s insurability.

Your Credit Standing

One’s credit report also impacts the cost and type of homeowners insurance Houston homeowners can qualify for. Bad credit can make the affordable homeowners insurance Houston homeowners want impossible for them to get. Therefore it’s important to maintain good credit and also make time to check one’s credit report periodically. Mistakes on the credit report can end up costing money when its time to purchase homeowners insurance. Have mistakes removed from your credit report as soon as you see them. Insurance companies see bad credit reports as a predictor of potential losses in the future and may charge applicants higher rates or deny them coverage.

Check Your Policy

It’s essential people check over their insurance policies periodically. Over time many homes increase in value. If a home’s value has increased significantly but the coverage amount on the policy hasn’t, there could be a major problem should disaster strike and the homeowner needs to have their home rebuilt. Also, some policies for homeowners insurance Houston residents bought several years ago had language which provided for guaranteed home replacement. However, many companies have reduced the payouts or eliminated this provision without making the homeowner aware. Check your policy. Don’t wait until you need home replacement to find out you don’t have it.

Houston homeowners must have homeowners insurance. Homeowners must pay close attention to it. Companies change prices and coverage, drop homeowners, or deny them coverage. To avoid nasty surprises, read your policy carefully and choose a consumer-friendly insurance company.