Lowering your insurance costs

In today’s economy, everyone is looking for ways to save money in Texas. One of the easiest ways is to compare quotes for your insurance. If you have both auto and homeowners insurance, you may be able to save hundreds of dollars each year. Re-evaluating your insurance coverage can be simple. Just contact an independent agent who will compare quotes for you and find a rate that saves you money.

Another way to save money is to increase the deductible on your policy. If you are able to set aside some money to use in the event of an accident, you can quickly save money. Since many people do not make claims on their insurance often, changing the deductible will be the easiest way to save.

Installing safety devices is another way to save money on insurance in Texas. If you install a security system in your home or vehicle, you could qualify for a discount. Combining your home and auto insurance coverage can also save you money. Many companies will bundle the policies and you will have less to worry about each month.

Take a few minutes and contact an independent agent today. You may be surprised by how easy it is to compare rates and make sure you are getting the best deal on your insurance. If you need to save money – you have nothing to lose.

How Do I Dispute a Claim on My Insurance Record?

Insurance companies in Texas and other states are careful to maintain a correct and current record of all claims you’ve filed on your auto, home and health insurance. And though it’s certainly not something that happens every day, the situation may arise that you need to dispute a claim on your insurance record. For instance, your insurer may have received information from a medical provider that a certain medical procedure has been performed while in reality, you received no such treatment. Of course, we all know that the more claims you file on any insurance policy, the higher your insurance rates are. That’s why it’s imperative that you periodically review your insurance claims history and take immediate action to rectify any incorrect data.

As soon as you find out about an incorrect claim, you should contact your insurance company and notify them. They’ll give you detailed instructions on how to dispute a claim, which generally begins with contacting the service provider who claims to have performed the service and requesting written documentation of said services. Usually, the mistake can be traced back to an administrative error and is easily resolved, but sometimes getting proof can take longer and requires the aid of a lawyer. Submit the appropriate paperwork containing the documentation to your insurer and request that they rectify the matter on your insurance record.

Can I Exclude My Spouse On My Auto Insurance?

Insurance companies in Texas and the rest of the United States automatically name your spouse as a covered driver on your car insurance policy. The reasoning behind this is that, in nearly every household, spouses will drive each other’s cars now and then, so they should be covered in the event they have an accident. However, there may be situations in which you would rather not include your spouse on your insurance. Situations like these usually occur when your spouse has a bad driving record and therefore drives up the costs of your insurance. DUIs, at fault collisions, and reckless driving can all add hundreds of dollars to your yearly premium, so it’s not surprising that some people choose to exclude their spouses from their policies.

If you’re in a similar situation, or if your spouse simply doesn’t drive and you don’t want to pay the additional coverage, you can contact your insurance company and ask to exclude your spouse from your policy. Most insurers provide exclusions that state that your spouse will not, under any condition, be covered under your insurance policy. That also means that if there’s an emergency and your spouse drives you to the hospital in your car, he or she isn’t covered. Make sure you both understand all of the terms and conditions of the exclusion before you sign it.