Month: October 2017

Things to Keep in Mind when Purchasing Auto Insurance

Posted on by AgentInsure

Most individuals purchasing auto insurance in Texas may not be aware of what they are buying. Understanding your coverage and ensuring that you are adequately protected in the event of an accident is, however, very important. You should not wait until an accident occurs for you to get auto insurance from Integra Insurance Services since you may not get funds to pay for your medical bills or repair your vehicle.

Ensure you are careful when purchasing your policy and to do that, here are some of the things you need to keep in mind;

Know the difference between personal and commercial insurance

 Some people purchase auto insurance in Huntington, TX for private vehicles while others require insurance policy for their commercial cars. The two policies are different even regarding premiums, and you should, therefore, consider the differences before buying the policies.

Avoid buying the minimum required amount of insurance

Do not assume that just because you have an auto insurance coverage, you will be protected entirely after an accident. The protection varies depending on the premiums. Ensure to purchase the maximum amount if possible, for comprehensive protection.

You can get an itemized bill

Your insurance providers do not have the right to stop your repair shop from offering you an itemized bill with the item’s description, manufacturer and the payment billed from the insurance company for the purchase and Labor.

Understand who are protected under your policy

If you have family members, who use the insured vehicle, ensure they are permissive drivers. Otherwise, they will not be protected in the event of an accident, and they could be a hook to large bills if damages occur. Make sure to put this aspect into close consideration.

Having these facts and considerations in mind will help you shop for the best coverage that will ensure complete protection. At Integra Insurance Services, we offer consultation services where we help you make the right decision after listening to your needs. We can assist you to shop for the right policy. Visit or contact us today for more information on auto insurance in Huntington, TX.

Types Of Recreational Vehicles Covered Under Toy Insurance.

Posted on by AgentInsure

Recreational vehicles are likely to be used occasionally unlike your primary vehicle, but that does not mean that you should not get it insured. In fact, using your vehicle for fun or for extreme sports will have additional risks that may make you want to have insurance even more. Luckily, you may find affordable coverage plans if you shop around. Consult with Integra Insurance Services if you have a recreational vehicle in the Huntington, TX area.

Vehicles For Sport

Zipping around in your new ATV or dune buggy sure is a lot of fun, but make sure you have insurance so that you can play around without worrying about the financial risk factors. Sporty recreational vehicles that may be covered under toy insurance include:

  • Golf Carts
  • Dune Buggies
  • All-Terrain Vehicles
  • Classic Collectible Vehicles
  • Snowmobiles
  • Motorcycles

Larger Vehicles Covered Under Toy Insurance

Going on a trip with the family will allow you some time to relax and have fun, but you should still have coverage to protect your family. These vehicles would include trailers, campers, and motor homes.

Watercraft

Recreational watercrafts may be covered under some toy insurance policies. Small watercraft and sailboats would be covered under these plans.

Keep in mind that it should not be assumed that home or car insurance will cover these recreational vehicles when these do not. When they are parked on your property, damages may be covered under some home insurance plans but it depends on the terms of your policy. Accessories kept inside your recreational vehicles may also be covered in most toy insurance plans. If you live within the Huntington, TX area, consider consulting with Integra Insurance Services to see if they have specialized policies for your