Month: December 2014

Compare online auto and home insurance quotes in Texas

Posted on by AgentInsure

You’re facing a big challenge: You need a new Texas homeowners insurance policy and new auto insurance. Fortunately, you have a key tool to help in your search: online insurance quotes.

We offer our own online tool that allows Texas residents to search for both auto and homeowners insurance. It’s the best way for consumers to find the policies that offer them the protection they need at the most affordable cost.

The process is simple: Enter the basic information about you and your home in our online rate-comparison tool. Wait, and then study the online insurance quotes that we provide. As an independent agency, we work with insurance providers across the country. Our online rate shopper allows you to compare quotes for both homeowners and auto insurance from these companies, boosting your odds of finding the coverage you need at the lowest possible price.

This is a big improvement from the old days of insurance shopping. There was a time, whether you were searching for a new auto or homeowners insurance policy, when you had to call individual insurance agents throughout Texas. You then had to share your personal details with each of these agents before you’d receive any quotes.

Shopping for insurance in this way? It could easily take up your entire day.

Thanks to online insurance quotes, though, insurance shopping today can take as little as 15 minutes.

And don’t put this off. You can’t drive in Texas without the proper amount of auto insurance. And mortgage lenders throughout the state won’t give you a mortgage loan if you don’t first offer proof that you’ve taken out a homeowners insurance policy.

If you need advice on the best auto or homeowners insurance policies for you, be sure to give us a call today. As an independent agency, we can find you the best coverage for the lowest price, whether you need to insure your home or your car.

Nacogdoches, TX Boat Insurance Coverage Plans

Posted on by AgentInsure

If you are a boat owner and you live in the state of Texas, you are in the enviable position of having a huge amount of available bodies of water to enjoy. Whether you are out boating on a weekly basis, or you just take your boat out every few months, you should strongly consider having a Boat Insurance plan for your own protection.

In Nacogdoches, TX the laws for boat coverage can be a bit complex at times, so ultimately the most important thing to know is that while it may not be required, it is always a smart purchase. If you are the owner of the boat and you don’t owe any money on it, the law does not require you to buy insurance for the watercraft.

If you do owe money on your boat, in most cases your loan provider will require you to maintain a boat policy. Since this is usually included within the terms of your loan, you will usually only be required to maintain that policy until you have completed repayment of the loan.

If you have boat coverage, you will be protecting yourself from damaging legal actions from others, and potentially from the loss of major money. If you are responsible for a boating accident in which someone is seriously injured, you will be held responsible for the damages. This can mean that you will have to deal with a lawsuit, which could result in a judgment against you for a considerable sum.

Another way that boat insurance protects you is to help pay for repairs or other losses related to your boat. For example, if your boat is stolen, comprehensive coverage will help you pay for a replacement. If your boat is damaged in an accident, your collision coverage will pay for the repairs needed to get it running normally again.

Don’t get caught without the Boat Insurance that you need. Our independent agents are happy to help you create a policy that meets all your needs and keeps you safe while on the water. We can give you multiple free quotes from major insurance providers so you can choose the best option for you!

Insurance Agents at Integra Insurance Agency, Huntsville, TX are Ready to Help

Posted on by AgentInsure

Selecting insurance isn’t an easy process even if you have used insurance plans for years. There are a variety of plan options, numerous coverage levels, and various exclusions you should know about before you make the decision about which to purchase. With the help of our Huntsville, TX, insurance agents, you’ll get outstanding service and the information you need to make the right buying decision for your lifestyle.

A key place to start is with reaching out to our independent insurance agency. When you work with our independent agency, you are not talking directly to a single insurance carrier. You have someone that’s working on your side to help you to save money and to find quality plans. This is important because it allows you to compare plans carefully and easily. You don’t have to waste your time with ineffective or non-useful options. In fact, our online comparative analysis tool makes this process easy to do.

Take into consideration what your assets are, such as your home or car. Then, work with our Huntsville, TX insurance agents to determine what type of coverage is right for you. This may include plans that cover your property’s value, such as comprehensive damage or collision insurance. You may also need liability insurance. No matter what type of asset you have, if you can hurt someone else, or someone can fall on your property, you could be liable for their losses, including expensive medical bills. Liability insurance may help to minimize that.

Most importantly, reach out to our agents to know what your options are. Consider the amount of coverage available, the cost of it, and the financial stability of the insurance carrier you are using. By taking these steps, you’ll save yourself time and money. Most importantly, you’ll be able to have a policy you can rely on for years to come.

What is the penalty for not having car insurance in Palestine, TX?

Posted on by AgentInsure

Drivers in Palestine, TX, and all areas of the state, are required to have car insurance. If you are not carrying the required minimum, you can face several penalties. The mandatory insurance provides coverage for personal injuries or property damage that you cause as the result of a vehicular accident.

Penalties

The first time you are convicted in Texas for driving without insurance, you face fines ranging from $175 to $350. Second and subsequent convictions carry of fine of $350 to $1,000. In addition, you may have your driver’s license suspended and your vehicle may be impounded.

These penalties will increase if you are also found driving without a license. If you are convicted of this, you face up to $2,000 in fines, 180 days of jail time or both. If you cause an accident that results in serious injuries, your fine can be increased to $4,000 with the possibility of one year of jail time. In some cases, both the fines and jail sentence are imposed.

You must provide proof of insurance if you are involved in an accident or a police officer requests proof. You must also provide proof when you register your vehicle, obtain or renew your driver’s license or have you vehicle inspected.

Do remember that minimum insurance requirements are just that, the minimum. This type of coverage may not provide you with the full amount of protection you need. We are your independent insurance agency for Palestine and the surrounding areas. Get in touch with an agent today to get comparative quotes for your car insurance. You can even use our service to compare rates online at your convenience.