3 Features About Your Teen’s First Car That Can Mean Higher Insurance Rates

It is only logical that adding a new teen driver to your auto insurance in Huntington, TX will mean a slight rate increase because new drivers are more of a risk. However, did you know that the type of car your teen drives can also affect your premium price? Take a look at a few features of your teen’s first car that can mean a slightly higher car insurance premium. 

The Car Has a Powerful Engine 

That sports car may not be higher to insure simply because of its name; cars with more powerful engines tend to be a bit higher to insure, however. This is because a car with a more powerful engine may also have a driver who insists on traveling at a higher rate of speed, which can be a risk if you have a teen driver on your policy. So instead of opting for a V8, try picking a smaller car with a less powerful engine for your teen driver. 

The Car Is On the DMV’s Top Stolen Vehicle List 

Did you know there are cars and trucks that are more likely to be stolen than others? In fact, the DMV has a list of top stolen vehicles. If the car you buy for your teen is on this list, you could see a higher premium cost because of it. 

The Car is an Unusual Color 

Even though all insurance companies do not follow the same rules, most of the time, a car that is painted an unusual aftermarket color will be a little higher to insure. This is because if the car is involved in an accident, the paint would be more expensive to replace. To find out what car paint colors could be higher to insure, contact an Integra Insurance Services agent. 

 

Insurance for Recreational Vehicles

You work hard. You deserve to play hard. Your motorized recreational vehicles take your outdoor leisure time to another level. A comprehensive insurance policy will protect your investment. But what insurance coverage do you need for your recreational vehicles in the Huntington, TX area?

Off-Highway Vehicles and Texas Law

The Texas Department of Motor Vehicles defines off-highway vehicles as motorized vehicles that do not exceed 45 mph. These can be separated into more specific categories.

  • Low-speed (LSVs) and Neighborhood Electric Vehicles (NEVs)

These small passenger vehicles are equipped with mirrors, seat belts, and head and tail lights, similar to cars and trucks. These smaller machines, however, are only capable of reaching speeds between 20-35 mph. They can be driven on public roads, but are not safe for highway use. These vehicles must be registered with the Texas DMV, and covered by an active insurance policy.

  • Golf Carts

A golf cart has no less than 3 wheels and reaches speeds between 15-25 mph. Designed for use only on golf courses, these vehicles are generally not allowed on public roads. However, there are limited exceptions to that rule. Golf carts may be driven on the private roads of master planned communities, beaches, on roads within 2 miles of where the cart is normally parked, and on roads with posted speed limits of 35 mph or less. State law does not require golf cart owners to insure or register their vehicles.

  • All-Terrain Vehicles (ATVs)

An ATV is equipped with seats for the driver and passenger, has three or more wheels, measures less than 50 inches in width, and is not designed for highway, farm, or landscaping use. Only law enforcement, utility workers, and certain farmers may drive them on public roads. Insurance is not required to operate these vehicles, but you may need motorcycle training to ride them on public lands.

Protect Your Toys

Many recreational vehicles are not required to be insured under Texas law. However, a comprehensive insurance policy protects your toys from theft, damage, and helps pay medical bills when accidents occur.

Integra Insurance Services can customize a policy to protect all of your property, including your motorized big kid toys. If you store your recreational vehicles in the Huntington, TX area, give Integra Insurance Services a call.

Recreational Boating: 5 Tips for Staying Safe on the Water

Now that is is Summer, you may be looking forward to boating season. Safe boating is key to enjoying your time out on the water. Updating your boating insurance with Integra Insurance Services in Huntington, TX will ensure you are protected against any eventuality. The following tips will help you stay safe on the water.

Navigate Safely       

If you’re new to boating, you may want to take a boating safety course to learn safety procedures for recreational boating before taking your vessel out on the water. The more knowledgeable you are about boating, the better. Safe boating habits such as navigating at safe speeds and staying alert at all times can reduce the risk of accidents.  

Wear a Life Jacket

As the captain of your ship, you’re responsible for the safety of your passengers. Make sure everyone wears a life jacket when going out on the water. Children should have jackets that fit properly for their age and size.

Maintain a Safe Vessel

Check your boat periodically to ensure it’s in good condition and safe for traveling. An unsafe vessel will not only endanger your safety but could pose a threat to other boaters. Don’t forget to check your life raft(s) as well, especially before taking any long distance trips.

Stay Abreast of Weather Conditions

Check the weather forecast to make sure weather conditions are appropriate for boating. Take note of storm advisories and return to port if adverse weather threatens your safety.  

File a Float Plan

If you’re planning an all-day boat trip, tell someone of your plans to include where you’re headed and when you’ll return. If something happens, that individual can tell authorities where to conduct a search.

To learn more about boating insurance options to protect your family and vessel, see an Integra Insurance Services agent in Huntington, TX.     

The Basics of Business Owner Policies

Business owners need to make sure their investment is covered from all angles. A Business Owner Policy (BOP) combines the most popular commercial insurance coverage options into one convenient package. Integra Insurance Services in Huntington, TX can help customize a policy for your business. 

Commercial Property

These policies protect your real estate, buildings, and equipment. There are 3 types of commercial property policies offered in the state of Texas.

  • Basic. Covers common perils, like damage from violent weather or fire.
  • Broad. Covers damage from water, structural collapse, sprinkler malfunction, and weather related damage, in addition to common perils.
  • Special Form. Covers damage from most sources. Anything not covered is spelled out in the policy.

Business Interruption

These policies pay when you need to close due to unforeseen circumstances. Different policies may cover:

  • Business income (pre-tax net profit)
  • Extra expenses involved in resuming operations after a catastrophe
  • Lost income due to temporary government restrictions, such as during a police incident

Commercial Vehicle

Protects your fleet and service vehicles.

Liability

General liability policies cover costs associated with injury or damage your business is legally found liable for. Per state law, all businesses in the Huntington TX area must have general liability coverage.

What Might Not Be Covered

Floods, earthquakes, acts of war or terrorism, nuclear disaster, insect or vermin infestations, and deterioration are not included in commercial property coverage. The insurance experts at Integra Insurance Services can help you customize a package that addresses any potential hazards based on your location and industry.

Crime coverage pays damages in the event of theft, robbery, forgery, and related acts that result in loss of profit. An additional policy, or endorsement, is usually needed.

Are you sure your business has all the coverage it needs? The experts at Integra Insurance Services can help you customize the perfect package for your business in the Huntington, TX area. Contact us today for a policy review.

Spring Clean Your Home

Before the job becomes too tuff to handle, you should get started on your spring-cleaning projects now. The Huntington, TX insurance agents at Integra Insurance Services would like to reveal a few helpful tips to make your cleaning experience less stressful.

Start with the Kitchen

There’s a thin layer of buildup that covers the outside of your kitchen cabinets. When you cook, specks of grease can leave residue on the cabinet doors. Depending on the material your cabinets, you can use soapy water to remove the stains. Afterward, dry them with a clean microfiber cloth.

While you are in the kitchen, tackle the range hood over the stove. The outside may just need a quick wipe down, but underneath, you should consider using a degreaser or an all-purpose cleaner. There is probably a great deal of baked-on grease, so you could spray the inside of the hood and let it settle for a few minutes before wiping it down.

Inside and Outside Windows

Go around each of the windows with a bucket of soapy water. This will release any dirt or grime that has congregated in the corners over the past year. Outside, you can rinse the windows with a garden hose. When you’re finished, you may want to use window cleaner to give the glass a healthy-looking shine.

Give Your Mattress a Fresh Start

While you are washing your bedding, you can refresh your mattress. Vacuum the service of your mattress with your vacuum attachment then spot clean any visible stains with upholstery stain remover. You can keep it fresh by sprinkling a small amount of baking soda over the surface.

Integra Insurance Services services the Huntington, TX area. Their independent agents can help you with adjustments on your new or current homeowners insurance policy.

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.