Top Auto Insurance Myths

Auto insurance is something that you simply cannot live without in Huntington, TX if you own a operate a vehicle. However, it is something that many people do not fully understand. There are a lot of myths that people have in their mind about auto insurance and it can distort the truth for them. To help you better be able to determine what is true and what is false, take a look at these common myths from Integra Insurance Services and the truth behind them.

Your Credit Score Doesn’t Impact Your Rate

Many people think that their credit score does not play a role in determining their insurance cost but it does play a factor. In fact, many insurance companies use this as a way to determine your ability to pay the insurance premium and the lower your credit score, the higher your cost tends to be.

Your Rates Will Increase With Age

As people get older, many people think that rates increase because the individuals may have poorer vision and lower reflexes. However, many people actually see their rates go down because insurance companies see them as more mature drivers than younger individuals.

If you Don’t Report An Accident, Your Rates Will Stay The Same

It is common to try to avoid a rate increase after an accident but if you were involved in an accident with another person, their insurance will report it to yours anyway. Also, as soon as you get a ticket, that will go on your driving record and you will not be able to hide it from your insurance.

If you are looking for a great auto insurance policy, look no further than Integra Insurance Services serving Huntington, TX. They can help you take a look at your options and find the perfect auto insurance policy to meet your needs and budget.

Texas climate and your home

Huntington, TX has to be one of the most beautiful places in Texas, which makes it one of the most beautiful places in the world. However, the price you pay for owning a home here is some pretty severe natural damage to your house. Integra Insurance Services can help you out when it comes to storms and fires and so on, but the normal day-to-day wear and tear on a home is generally the owner’s responsibility.

The main thing to look out for is simply the Huntington TX heat. Heat alone can really do a number on your Texas home. Heat causes the material that your home is comprised of to expand, it can wear through roof tiles very quickly, and it can shorten your A/C’s lifespan.

The way heat hits your home starts on the roof. Heat rises, but if it’s not allowed to escape, it will find its way back down. So when the sun beats down on your roof and heats up your attic, it’s going to start collecting in there and finding its way through the rest of your home.

The best way to address this heat is to make sure that your attic is well-ventilated. A couple of attic fans won’t cost you much in electricity, but they’ll save you a small fortune in air conditioning and repairs.

Integra Insurance Services has you covered should something go wrong all of a sudden, but if you want your home to look like it does today ten years from now, you have to stay on the ball when it comes to how the climate affects the building. Beating the heat is the first step in doing that.

What Is Classified as an Antique Car for Auto Insurance Coverage?

At Integra Insurance Services, we know how valuable your vehicle is both to you and to the open market. If you own an antique vehicle, you need a special type of auto insurance plan for it. It’s always an important decision to have the right type of coverage for the specific type of vehicle you have. We also can help you to have a policy that meets your specific needs in terms of how you use your car. With the help of our team, we can help you have an auto insurance plan that’s competitively priced, too.

What Is an Antique Car?

The big question many people ask is what type of auto insurance policy is right for their older vehicle. The answer isn’t always simple. To be considered a classic vehicle, your car must be at least 15 years old. However, if your car is over 25 years old, then it is typically classified as an antique vehicle. If your vehicle meets these requirements, talk to our team about potentially saving on your auto insurance through a customized policy.

However, other factors play a role in what you will pay and the auto insurance you need. If you do not drive your vehicle, you may need less coverage than someone that drives it every day. At the same time, the policy should reflect the vehicle’s actual worth based on appraisals. That’s important for our agents to help you with.

Contact Us for a Quote

Integra Insurance Services provides auto insurance for Huntington, TX residents and those in the surrounding area. If you need classic or antique vehicle coverage or other auto insurance, let our team know. We’re happy to help you to get into a plan that meets your needs.

 

How To Get the Best Deal on Home Insurance

Home insurance is a necessary expense for any homeowner. You are legally obligated to have it, but it is a good idea regardless. It is what protects your home in the event of a natural disaster, robbery, fire, or flood. Of course, you don’t want to pay too much for your insurance, so here are a few tips to help you get the best deal. 

Bundle It – If possible, purchase your homeowner’s insurance from the same company that provides your auto insurance. You are more likely to get a solid discount if you purchase them both from the same company. Be sure that the coverage provides everything you need, and they are taking anything out with the discount. Also, be sure that the bundle price is less than buying them separately. 

Get a Quality Home Security System – A security system is a good idea for a couple of reasons. First, it makes you and your family safer. A security system can also help you get a discount on your home insurance. The risk of insuring a secure home is lower. Therefore the cost of insuring it is reduced. It’s as simple as that. 

Higher Deductible – Consider raising your deductible, the out of pocket cost to the homeowner during a claim. A lower deductible is built into the monthly premium of the insured home. This cost can add up over time to give you some steep savings, especially if you never have to make a claim. 

Huntington, TX agents at Integra Insurance Services is a provider of home insurance in the Huntington, Texas area. They will be able to provide you with an insurance quote. Contact them today if you are buying a new home and need insurance or are shopping for a new company. 

3 Things to Know Before Buying Auto Insurance in Texas

Technology has made it easier for drivers to connect with different auto insurance companies. Gone are the days of picking up a phone book to look for an agent that matches your needs. Companies like Integra Insurance Services represent drivers in and around Huntington, TX. Before picking out a policy, there are a few things to consider.

Ask Questions

Make sure you are prepared when you talk to an insurance agent. Your agent will be more than happy to address any questions you may have. Consider questions regarding your particular vehicle For example, should you find additional insurance if you have a larger vehicle? How will the history of your automobile affect your premium? Knowing what to ask ahead of time can save you time and money, especially when looking for auto insurance for the Huntington TX area. 

Medical Payments 

You will also want to consider what medical services will be covered in case you have to file a claim with Integra Insurance Services or any other company. In the state of Texas, coverage for medical services usually includes funeral and medical bills. It may also apply to passengers in your car or anyone injured in the accident. Talking to an insurance representative about these payments is important before you decide on your policy. 

Driving History

Another factor that will impact the cost of your auto insurance is your driving history. Every driver has a driving record that’s filed with the state. If you have collisions or tickets, this may cause a rise in your premium as the insurance company might see you as a risk. 

Consider these factors before deciding on a policy that’s right for you. 

 

 

When to Consider a New Auto Insurance Policy

If you’re like many people in Huntington, TX, your insurance policy probably doesn’t cross your mind. However, neglecting your needs will only come back to haunt you if you give it enough time. The time to find out more about your policy is not when a huge storm is coming or after you hear the break of your car window. Find out more about when to consider getting more coverage.

When You Buy a New Car 

Integra Insurance Services knows that even a new car doesn’t necessarily persuade people to switch coverage, unless they’re required to do so by the company that’s financing the vehicle. It’s often just easier to roll over your current policy then to consider adding more coverage. You may need more though — especially if the new car is more expensive or you plan to drive it more.

When You Decide to Use Your Car for Commercial Purposes 

If you start using your car more for business, then you’ll need to consider adding different coverage. This is not only good for company funds, but also for taxes as well. 

When You Have Liability Only 

Having liability only is not recommended for the majority of drivers in Huntington, TX, and it can be necessary to get better coverage so you can keep your funds intact and your life in order. 

When You’re Not Sure About Your Policy 

If you don’t know what your policy covers, then it’s the perfect time to consider getting new insurance. Unfortunately, most people aren’t sure of what they’ll get financial help for, which puts them in a position of panic at the worst times. Integra Insurance Services can change that. If you have questions about your policy, then give us a call today for more information. 

Household Maintenance “To Do” Items in Preparation for Spring

You have weathered the winter, and now it is time to enjoy the approach of springtime weather and cheer. As you get ready, remember to do some key home maintenance tasks. With that in mind, here is a "to do" list for your reference, courtesy of Integra Insurance Services serving Huntington, TX.

Wind down winter

As winter winds down, make sure you help your home wind down too. If you have a fireplace, get it professionally cleaned and inspected. Also have an inspection done of your heating system and make sure it does not need any routine maintenance.

Indoor "to do" items

After being closed up for the winter, it is time to bring some fresh air into your house. Open as many doors and windows as possible to air out and provide circulation throughout. While you do that, also complete some thorough cleaning, including vacuuming, dusting, cleaning bathrooms, and wiping down all surfaces and floors. Also complete professional maintenance of appliances and equipment you will use during summer, such as air conditioning systems.

Outdoor tasks

The outside of your home and yard need some tender loving care as spring approaches. Sweep all walkways, complete yard work, and inspect the entire house exterior and yard. If you have a swimming pool or other specialized equipment, line up professionals to do maintenance on that.

There are many home maintenance tasks to do in preparation for spring. It can get overwhelming, so split up the work into smaller tasks that you do over a series of days or weekends. Before you know it, you will be ready to enjoy the upcoming seasons. If you need more tips about how to protect and preserve your home investment, please contact Integra Insurance Services serving Huntington, TX.

3 Reasons You Should Purchase a Home Insurance Policy Today

It’s no secret, owning a home is a huge responsibility. Not only are you tasked with finding a good location as well as size for your home, but you must also be sure to purchase a quality home insurance policy as well. That said, if you live in Huntington, TX the following is a closer look at three reasons you should purchase a home insurance policy today! 

Lawsuit Protection

First and foremost, purchasing a home insurance policy can protect you from highly costly lawsuits. Without coverage, if someone injures themselves on your property you may be on the hook for thousands or even millions. However, by purchasing a quality home insurance policy, you will be protected in case of an unfortunate accident. 

Natural Disaster Protection

In addition to that, natural disaster protection is also an important feature to any home insurance policy. Especially for those who live in Huntington, TX, being that this area is no stranger to natural disasters, ensuring that your home has coverage us of the utmost importance. 

Possession Protection

In addition to that, home insurance policies help to protect your possessions. In addition to natural disasters, burglaries, thefts, fires, and many other issues can cause serious damage to your things. That said, by purchasing a home insurance policy, you are ensuring that you are able to replace your belongings in the event of a worst-case scenario.

Overall, if you are looking for quality home insurance coverage in the state of Texas, Integra Insurance Services is here to serve you! Simply call in, email, or stop by to speak to our highly qualified independent representatives and find out how to begin your policy today and save. Don’t delay, contact Integra Insurance Services today!

Mid-Winter Vehicle Inspection

Do you want to make your vehicle last a lot longer? Then add a Mid-Winter Vehicle Inspection to your list of to-dos and make sure you power wash the undercarriage to remove any grime and especially road salt from the bottom of the vehicle. 

Winters in Texas are sometimes a bit severe. The good folks at Integra Insurance Services in Huntington TX know this too. We live here in the same community and we go through the same things as you do. What we LOVE to do is to make sure our clients are well protected and that we give them tips to help them avoid troubles in their lives.

This is why we recommend a mid-winter inspection. This is a good time to make sure your vehicle is maintained properly in order to avoid damage from winter weather.

Here are some things to check.

  • Are you using the correct oil viscosity? Viscosity is the thickness of the oil and how easily it flows. In the winter time, the oil gets thicker naturally by the colder temperature, so you need to change the type of oil grade that you use to make sure the oil can flow through the engine properly. Notice we said the type of oil grade and not the brand. It is better to stay with a particular brand when changing oil. If you use synthetic oil for example, do not attempt to replace it with regular oil. That can cause a disaster. If you like a particular brand, simply choose the correct viscosity for winter weather.
  • The viscosity ratings are two numbers and they might be 10/40. This means the viscosity for this brand is 10 in the wintertime and 40 in the summer time
  • Change the oil filter, air filter, and the gas filter.
  • Check and change spark plugs if needed.

Besides doing a mid-winter vehicle inspection, be sure to consult with your agent at Integra Insurance Services in Huntington, TX to make sure your auto insurance coverage is adequate.

3 Reasons You Should Shop For A New Home Insurance Policy

Shopping for homeowners insurance can be an overwhelming task. It was stressful enough to find an affordable plan when you purchased your home. In fact, there were a ton of details to focus on when you purchased your home. You might not have had the time that you would have wanted to really shop around and compare insurance policies during that process.

It’s tempting to just let your current plan renew year over year and not think about it. But, you could be overpaying or possibly have outgrown your current plan. Whether you have made improvements to your home or experienced any number of other changes, your current plan might not be best suited for you now. It’s necessary to evaluate your current insurance needs now that you have been in your current home for some time.

Looking for a replacement insurance plan for current homeowners in the Huntington, TX area doesn’t have to be overwhelming. In fact, Integra Insurance Services knows how to make changing your insurance a smooth transition. Your home is a special place and should have a solid insurance plan protecting yourself and your family from anything that might come your way.

It would be ideal to have a local expert to assist you in your search and Integra can do just that. There could be a number of factors that are specific to your area that only a local agency would know the most about. You want someone who knows the specific demands of your area to align you with the best insurance plan. In Huntington, TX, Integra Insurance Services has the experience required to help you transition into the best insurance plan for your specific needs.