Life in the Fast Lane: Knowing How to Avoid a Fender Bender

There’s no denying that life itself would be much different if there was no form of vehicular transportation. It is thanks to cars and trucks and SUVs that we are able to get our kids to and from school as well as ourselves to and from work. We also use vehicular transportation to travel back and forth from activities we enjoy. No matter your reason for traveling, please keep in mind that road rage and fender benders can greatly hinder your ability to make it your destination safely. In fact, here are a few tips you should follow to make sure you get to and from your destinations in the safest manner possible. 

Turn up the music

When is the last time you heard someone tell you to turn up the music in order to avoid a fender bender? It’s probably been a while, but still yet, it’s imperative that you know that listening to the right type of music can help you avoid road rage and stay in a good mood. In turn, this results in a less of a chance that you will avoid a fender bender. 

Always buckle up

Did you know that when you buckle up it helps you feel like a safer driver? And when you do this, you are more likely to abide by safe driving practices? So, next time you hop behind the wheel of a car, make sure to buckle up and also make sure that everyone else is buckled up safely. 

To stay safe and avoid fender benders, make sure to contact a reputable agent working at Integra Insurance Services today. 

 

Why You Need Home Insurance

Like most types of insurance, home insurance is a widely misunderstood type of insurance. Many people think that all types of homeowner’s insurance are created equal, but that’s simply false. The best way to determine the value of your home insurance is to understand why you need the policy in the first place.

Home Insurance Helps You Cover Repairs from Weather-Related Damage

In Texas, you can experience severe weather, including hurricanes, that damage your home. From siding replacement to repairs resulting from a fallen tree, the costs of repairing your home can add up quickly. Fortunately, Integra Insurance Services’ home insurance helps you cover some of the costs, preventing you from breaking the bank when it comes to repairing or rebuilding your home.

Home Insurance Protects Your Family’s Lifestyle

Without home insurance, it’s likely you don’t have the means to immediately provide your family a place to stay. In fact, with most people have small savings, many families would be hard-pressed to make small repairs on their home. At Integra Insurance Services, we arm you with the ability to start rebuilding or repairing your home immediately. As a result of this, your family is able to maintain the same standard of living that they’ve grown accustomed to over the years.

Home Insurance Helps You Financially Following a Pet Bite

Most families have furry family members. Pets are great for families. However, dogs and other pets are a liability. They can bite your guests or neighbors. If this happens, you will likely be responsible for their medical bills and more. With homeowner’s insurance, you don’t have to worry about the financial aspect of a pet bit. We help you cover the costs after your deductible.

At Integra Insurance Services, our home insurance gives you peace of mind when it comes to your home. If you don’t have home insurance allow us to give you a quote.

Recycling Household Items

Living green is becoming the goal of people around the globe.  People have embraced reusing some of the more common household items because they realize that recycling in Huntington, TX isn’t quite as difficult as they thought.  There are an endless amount of creative ideas to reuse and recycle items.  Here is a quick look at some of them.

  • Empty egg cartons – sure, you can toss these into the recycling bin, but they can also be reused.  One cool thing to do is to fill each cup with cookie dough, meatballs or even individual servings of any other type of food items in order to keep them from turning into a frozen solid mass.  You can also start spring seedlings in an old egg carton before planting the seedlings outside.  You might also use them as molds for jello.
  • Mismatched socks – Mismatched and/or old socks are very easy to reuse.  You can use them as a way to keep a child’s smaller toys organized.  You can also use them as dust rags or to polish silver.  What other uses can you think of?
  • Paper towel roll tubes – Stuff your plastic bags inside one to keep them organized and out of the way.  Use it to control annoying extension cords by wrapping the cords around one.  Organize your daughter’s hair bows, clips and ties.  And of course, there is the ever famous do-to-do horn for kids.
  • Corks – olive oil and wine corks can be reused as multiple things.  You can make a floating keychain for when you are participating in water activities.  You can also save them until you have enough to make a corkboard from them.  

When you begin thinking about recycling things, you might also want to take a look at your homeowner’s policy and make sure that you are covered for every eventuality.  Review your current policy or start a new one with Integra Insurance Services.

Premium Vs Regular Gas: How to Save Money in the Long-Run

We know that a few cents at the pump can make a big difference to your wallet. Most of the time the smart choice at the gas pump is the cheaper regular option. But there are times when choosing the more expensive premium gas can save you in the long run. Let’s take a look at those instances where a few extra cents at the pump can save you thousands of dollars in the long-run.

High Compression Engines

High compression engines are usually associated with high-performance vehicles. These high compression engines need premium fuels that can handle the higher compression levels in the engine. Without premium fuel these engines will start to knock. Overtime severe engine knocking can punch holes clean through your cylinder head or piston and can even rupture the combustion chamber. These catastrophic engine failures can mean thousands of dollars for a brand new engine.

Direct Injection Engines

A lot of fuel-efficient cars that don’t sacrifice performance standards use direct injection engines. However these engines are prone to carbon buildups that can lead to engine knocking and severely reduced performance. Lower-grade regular gas is known to create more carbon buildup than premium gas in direct injection engines. Cleaning the carbon buildup can cost you hundreds of dollars at your mechanic’s shop.

If your vehicle has a high compression or direct injection engine, then the it’s worth the few extra cents for premium gas.

Similarly, depending on your car you it might be worth paying a little extra for more auto insurance coverage. Here at Integra Insurance Services of Huntington, Texas we can help you decide what type of auto insurance coverage is right for you and your vehicle.

Tips to Help Avoid Fender Bender Fraud

One of the most unfortunate aspects of the driving world, unfortunately, accidents happen. Indeed, no matter how good of a driver one may be, the unpredictability of the road can shatter your driving record, and possibly, even your vehicle, in an instant. Are you concerned about encountering fender bender fraud? Use the following tips to help you minimize your risk level. 

3. Speak to the Witnesses 

Did anyone witness the accident? If so, you will definitely want to get their contact information while you’re on the scene. Just in case there is any discrepancy later, you will have the advantage of having an eyewitness validate your story. 

2. Never Leave the Scene

Next, be sure to stay on the scene until the police arrive. While leaving the scene may be tempting in the case where there is no apparent damage, by not calling the police and having the accident documented, it will be your word against the other driver’s if you discover damages at a later time. 

1. Always Tell the Truth

Lastly, be sure to tell the whole truth and nothing but the truth. One of the main ways judges and law enforcement officials decide which person is telling the truth is by the general consistency of your story. The truth does not change. However, lies typically do, many times. Just don’t do it!

Overall, the best way to ensure your car is protected is by purchasing the proper insurance coverage. For instance, Integra Insurance Services provides service to the Huntington, Texas area. No matter what type of vehicle you own or coverage you may be seeking, contact them today and escape the antics those dishonest drivers indefinitely.  

Save Money At The Pump With These Gas Saving Tips

Everyone wants to save money on gas but not everything thinks about ways to make each tank of gas go further. Since gas prices fluctuate very often, it is best to incorporate some daily practices so that you can get the most out of your money when filling up at the pump. Follow these tips to save money and gas while driving. 

  1. Get a new car. If you are driving a car that is more than 10 years old, it is time to upgrade. This isn’t because a newer care is nicer, although that is a plus. This is because newer cars are more fuel efficient so you can get more mileage out of each gallon. You would not be doing yourself a favor financially to get a new car every year but upgrading your vehicle every few years is good practice for getting fuel efficiency. 
  2. Drive with more care. If you like to drive fast and accelerate quickly, you are also burning up your gas quickly. This way of driving can use up to 33 percent more gas on the highway and 5 percent more gas in the city. Slow it down some and take more time while driving and you will be amazed at the amount of gas you save!
  3. Clean out your car. Every bit of excess weight you drive around causes you to use more gas. Save some gas easily by taking out unnecessary items from your vehicle and your trunk. Even doing this a little bit will help with fuel efficiency.

Even if you are saving more money on gas, make sure that you are not spending too much on auto insurance. Contact Integra Insurance Services serving Huntington, TX for a quote and to see if you can save some more money.

 

How to Screen Potential House Sitters in Texas

House sitting requires a certain amount of trust, and it can be difficult to find that trust in Texas. We have every type of person living here, and some among us are not quite as reputable as others. Forgetting the financial implications for a moment, there’s a lot of emotional attachment that can fit into the smallest corners and rooms of your home. What insurance company is going to reimburse you for the time you spent making a watercolor portrait of your daughter? You can’t prevent every accident of course, they occur to even the most responsible of us all. What you can do is follow these tips to reduce your risk of trouble. 

Find the Right Incentive

All of us respond to incentives, so don’t be afraid to be generous when you need someone to house sit for you. Hold a phone interviews before meeting in person and thoroughly check every references. Even if you’re having your best friend sit for you, at least offer some sort of treat (drinks, a movie, etc.) as a thank you. It encourages goodwill for both of you, and can make for an easier experience. 

Look for Smarter Ways 

Will you be gone for a while? Your insurance will likely become null and void after 30 days of emptiness. Are you on vacation or it an emergency situation? Will there be pets, pools or highly prized plants involved with your absence? Trustedhousesitters.com and reputable house sitting sites may not have the same name as Airbnb, but their mission is to cut out the legwork on your part. They also encourage housing swaps across cities for vacationers so people save money on hotels and pet sitters: a win-win situation. And Integra Insurance Services is always there to help if you do need home insurance or additional coverage for your house sitting needs! 

 

Texas Volunteering Tips

As a resident of Texas, you’ll find no shortage of volunteer opportunities. There are countless organizations in need of your help right now. Start out by researching area causes that are most important to you and determine which ways you can best help.

Find Texas Volunteer Opportunities

Don’t wait to be asked to volunteer. There are plenty of charitable organizations looking for an extra set of hands that will welcome you aboard. Through online volunteer match search engines, you can receive a listing of available openings within your area. You can also reach out to well-known local groups such as animal shelters, food banks, homeless shelters, veteran’s services, soup kitchens, and blood banks.

Find the Right Fit for You

Treat a volunteer opportunity seriously by researching the organization thoroughly before making a solid commitment to the group. Find out about the organization’s community mission and what benefits are offered to their volunteers. The benefit can be as simple as the joy of giving back to your community. The organization may offer training in an area that helps enhance your professional skill set.

Be Realistic

Although you may want to help out as much as possible, don’t overextend yourself. Look at your current schedule and see how the time commitments required by the charity match up with your availability. A good motivator to volunteer is to make the time you spend giving back as fun as possible. Reach out to friends and family members to gauge any interest in the cause. Also, stay positive once you start volunteering and maintain your sense of humor.

As you volunteer throughout the Lufkin, Texas area, don’t forget to make sure you have adequate insurance coverage to stay protected. By using an independent insurance agency like Integra Insurance Services, you’ll be able to quickly research available insurance plans and rates.

The Advantages of an Independent Insurance Agent

When shopping around for the right insurance policy, you are going to come across all sorts of different services and agents. Some of these agents are going to market themselves as an independent insurance agent. So what exactly does this mean and what is the difference between an independent insurance agent and one who works for a larger company? Well, there actually is a number of differences available. You need to keep all of these differences in mind when working with Integra Insurance Services over other companies serving Huntington, TX.

Save Money

Probably the top reason to go with an independent insurance agent is the amount of money you save. When working with a larger firm, you pay for this. You pay to use a national chain as many of these different local agencies must pay into a larger, national pot. You do not contribute to this. As each agency is independent, they do not charge extra for these services, saving you money. 

More Choices

While working with Integra Insurance Services, you’ll have access to more services. The insurance agency is not locked into specific coverage or service agreements as a larger firm with a connection to a national chain. The independent agent can offer services across the board, so if you need very specific coverage, you are more likely to find it with your independent agent over a national firm. 

Make Your Claim

Have you ever attempted to make a claim with a national chain agency? It can prove rather difficult. You don’t know who you’re going to talk to and it might take a long time to finalize your claim. With an independent agent you know who you talk to right away and you know who you’ll work with. They know you and can help you make your claim not only faster, but on a more personal level. 

Insurance Questions To Consider Before Purchasing A Car As A Gift

Buying someone a car as a gift during the holiday season can either be a blessing or a burden. There are a lot of costs associated with car ownership and one of the biggest ones is insurance. Before you purchase a car as a gift for someone this holiday, you need to be sure they can afford the insurance that goes along with it. 

  1. Who will be paying for the insurance? If you are paying for the insurance, then all you need to do is add the new vehicle to the policy you currently have. However, if you do not plan on paying for the insurance, then you will need to ask some more questions about the financial stability of the recipient of the vehicle and how much they can afford. 
     
  2. Can they afford the insurance associated with this vehicle? Talking to an agent can help you determine the approximate cost of insurance for a vehicle. While they cannot quote without the driver information, this will give you an idea of how much the monthly payment will be. Knowing this amount can help you determine if your recipient can afford the monthly payments. 
     
  3. If they can afford it, can they fit it into their budget? In some cases, even if a person can afford the cost of new insurance, they may not be able to budget for it. Think about the plans that person has for their money. If they are planning another big purchase in the coming year, they may not have any wiggle room in their budget for an added insurance premium. 

Talk to an agent at Integra Insurance Services serving Huntington, Texas to look at available options and be sure to ask some key questions before diving in.