Month: May 2015

The Car Insurance Buyer’s Guide

Posted on by AgentInsure

The 75766 zip code contains a variety of travel opportunities for visitors, and many local citizens enjoy city attractions while traversing hillsides, riveting outdoor locations and the 300-acre Cherokee Trace Drive-Thru Safari and Zip Line Tours. Jacksonville, TX attractions have inspired imaginative journeys, and River Run Park has facilitated an exotic community through its many destination gems.

Getting the Best Coverage, and Finding the Best Provider

When fortifying automotive safety, you’ll likely consider automotive insurance. However, insurance rates vary, and some plans cost more than others. Finding cheap car insurance quotes may be simple, but understanding several, fundamental factors can “make or break” a wallet. Before contacting insurance agencies, check out these fundamental “rules” for insurance purchasing:

Rule 1: Understand Your Needs
On a basic level, this rule may be easily adhered to. You require financial protection, and you intend to protect both assets and liabilities while guarding yourself and family members from danger. When acquiring auto insurance for the first time, gravitate towards the following:

  • Flexible plans gravitating around current coverage
  • Plans covering “lifestyle-specific” areas, like camping, commuting or carpooling
  • Family plans

Rule 2: Obtain Comprehensive Coverage
“Comprehensive”, in this case, refers to a plan capable of covering multiple situations. Automotive insurance should cover vehicle collision damage, environmental damage, theft and fire damage. Similarly, a comprehensive plan covers repair and medical bills associated with non-fault accidents.

When seeking coverage plans, don’t forget to consider “intangible” coverage for lawsuits, loss of life quality and undue restrictions from vehicle loss. Utility is important, and non-physical damage may hard your lifestyle more than injury.

Rule 3: Know Your Rates
Insurance companies often evaluate a vehicle owner’s background when calculating a rate. Normally, driving records, lifestyle and vehicle mileage are considered. When examining our expansive quote collection, consider the following options:

  • Reduced deductible payments
  • Auto insurance discounts
  • Reward programs based upon “safe” driving habits

While insurance laws differ from area to area, accessing our agent’s provided resources guarantees an expansive outlook on industry standards and options. Remember: automotive insurance is customizable, and great options are often a click away.

Safeco Premier Partner

Posted on by AgentInsure

integra2
Integra Insurance Services have been selected for membership in the Safeco Premier Partner Program, which recognizes the outstanding achievement and partnership of only the best agencies. Fewer than 10% of independent insurance agencies that sell Safeco personal lines products receive this distinguished honor.

At Integra Insurance,  we are pleased to be among the top agencies in the country! As a member in the Safeco Premier Partner Program, Integra Insurance will receive access to special resources and programs that will support us in serving our customers even better with expert advice.

We strive to provide our customers with trusted guidance, so this Safeco honor makes us proud.

The Post-Crash Process

Posted on by AgentInsure

From local eateries to seasonal ice skating rinks, Nacogdoches, TX contains a wide array of weekly events for visitors and citizens. When driving through the city, remember to stop by Ruby M. Mize Azalea Garden—the 75961 location’s premier nature center near Old Tyler Road neighborhoods.

Whether you’re commuting or vacationing, vehicle safety is important. Often, individuals experiencing car accidents are daunted by the “post-crash” process. If you’ve been in a vehicle collision, and if you’re seeking the best options possible, remember the following after-crash rules:

First Thing’s First, Get to Safety

Following a crash, safety should be a top priority. Relocate your vehicle to a roadside location, a parking lot or driveway immediately. Before gathering insurance information, assess any damages or injuries. Assuming damage isn’t critical, moving both vehicles to secure locations won’t harm the insurance process. However, the following situations may require an “on-scene” investigation by traffic and law enforcers:

  • Fuel leaks, fires or broken glass
  • Injury
  • Critical vehicle damage

Gather Important Information

The post-crash process is information-heavy. Both insurance companies will require relevant information to access accident claims, and some providers offer post-crash forms to assist such situations. When gathering information, obtain and relay the following:

  • Name
  • Phone Number
  • Personal Address
  • Email address
  • Automotive insurance provider
  • Vehicle make, model and year
  • Insurance policy number

Once contact and insurance information has been traded, take pictures of the accident, the location and any important surroundings. Additionally, any police assisting the scene should be documented. Acquiring their name and badge number is similarly important.

Filing Your Claim and Discussing Coverage

When filing a claim, car insurance providers will remain in contact. Additionally, our intelligent, experienced agents can assist your search for adequate coverage. Several amenities are offered for those experiencing vehicle collisions, and our expansive database contains collected information relevant to such options.

Remember, safety should always be your top priority, and collecting information is incredibly important. When searching for new or alternative quotes, check out the city’s automotive laws—as they’re different from other areas.