Month: November 2016

How Are Auto Insurance Rates Determined?

Posted on by AgentInsure

Shopping for auto insurance in Huntington, TX can be a challenge. There are so many companies and it seems as though they all have different rates. How do you determine who has the best rate and the best coverage? It starts with knowing how the insurance rates are determined and calling Integra Insurance Services. 

Your Car

The car you drive will determine some of what the insurance companies charge for coverage. For example, a sedan will be cheaper to insure than a convertible because of the likelihood of damage and personal injury. The VIN number is requested when you get rates. It allows the insurance company to look at what safety features are present. The more features there are, the more it shows that your car is able to keep you safe. In turn, you are often rewarded with more affordable insurance rates.

Driving History

Your driving history is critical. If you have had a lot of accidents in the past, it sets a precedent. You could be identified as a high-risk driver and therefore rates will be higher. Similarly, if you are a safe driver with no prior accidents, it can help you get lower rates.

Other Factors

A variety of other factors can be used to determine insurance rates in Huntington, TX as well. For example, insurance companies want to know your zip code. This is to determine where you live and look at just how safe the area is. If there are a lot of accidents or car break-ins, it could end up costing you more for coverage.

Discounts may be available from some insurance companies as well. When you work with an independent agent, you can learn more about what’s available. If you’re a homeowner or you have multiple cars to insure, it may save you money.

You don’t have to go through the process of finding insurance on your own. Contact your Integra Insurance Services agent today and let us help you find quotes.

 

 

How to Prepare Your Furnace for Winter

Posted on by AgentInsure

Although the temperature in Huntington, TX has been relatively warm so far this season, cool weather will eventually arrive.  At some point, it will be time to turn the heater on. However, if you simply switch it on at the first sign of cold weather, you may be doing  your home more harm than good. By following a few simple steps before you heat your home, your furnace will remain in good shape and your home will be warm and cozy all winter long.

Step 1: Change Out the Air Filter

Air filters should be changed regularly throughout the year.  Changing out the air filter improves the air quality and your furnace does not have to work as hard.

Step 2: Clean Both the Furnace and Chimney

Clean your furnace by wiping dust and debris that has settled on it. While cleaning it, examine it for signs of rust.  To clean out the chimney, remove debris and soot buildup and make sure there are no birds’ nests inside. 

Step 3: Make Sure the Thermostat is Working Properly

In the fall, before temperatures drop, turn up the furnace to high heat to ensure the thermostat works properly.  Make sure to do this early on so that if there is a problem, you have time to correct it before it gets too cold.

Step 4:  Check That None of the Heating Vents are Blocked

Vents that are covered or blocked can’t warm the home.  Plus, they can cause your furnace to overheat and even increase heating bills. So make sure no furniture or other items are covering them up.

Cold weather will find its way to Huntington, TX eventually. When it does, your home will be comfortable all winter long by following these simple steps. Contact Integra Insurance Services to learn more about homeowners insurance in Texas.