How Are Auto Insurance Rates Determined?

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

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.

Home-Insurance: Confusing Terms

Anyone with a home in Huntington, TX knows that home insurance is a must for protecting the property against catastrophic loss. Unfortunately, home insurance premiums can vary wildly, surprising homeowners everywhere. What are some of the factors that home insurance companies consider when calculating the rate?

First, many people don’t realize that pets can impact a home insurance rate. While dogs are a man’s best friend, insurance companies don’t look kindly on all dog breeds. Some dog breeds, such as Dobermans and Rottweilers, are aggressive dog breeds by nature. This leads to an increased chance that these dogs will potentially bite a family member of neighbor. This can lead to insurance claims that the company needs to pay out. To leverage this risk, home insurance companies will increase premiums.

Next, the potential for fire damage plays a major role when insurance companies decide premiums. If a home is close to a fire station, the owner will be rewarded with a lower premium. Furthermore, if a fire hydrant is nearby, this could also lead to a lower home insurance rate. This is because fire damage can lead to an insurance company paying substantial financial claims to replace lost or damaged property. If a fire station or fire hydrant is close to the property, the fire will be handled sooner and result in a lower financial cost to the owner and the insurance company.

Finally, home maintenance costs are a major factor in home insurance costs. Out of date water heaters, pipes that drip, inadequate water seals, and leaking roofs are all aspects that insurance companies frown upon. This is because poor maintenance can lead to major home damage that can cause insurance companies to pay out substantial claims. Keep homes in good repair to minimize home insurance premiums.

There are common factors that insurance companies in Huntington, TX take into account when deciding on home insurance premiums. Rely on the tips above to keep home insurance costs to a minimum.



What Happens When You Are In An Accident With Someone Without Auto Insurance?

Even if you have the legally required amount of auto insurance in Texas, there is no guarantee that you will not get into an accident with someone who does not. Accidents happen but if you are in one with an uninsured or underinsured driver who is at fault, you may be covered with certain policies and you do have options. These tips from Integra Insurance Services serving Huntington, TX to better protect yourself before an accident. 

Collision Insurance May Pay for Repairs

Collision coverage is something you can add to your existing auto policy. It will pay for the repairs to your vehicle if you are hit by someone without insurance. It will only apply to the repairs and not any injury, though. 

Consider Uninsured and Underinsured Motorist Coverage

Uninsured motorist insurance is an addition to your auto policy that can help pay for damages in an accident with another driver at fault and no insurance. The coverage can only be as much as your liability coverage in the policy. Underinsured motorist insurance can help pay for damages, injuries, and more if you are in an accident with someone who does have insurance but not enough to pay for your damages and injuries. Both policies are only able to be used when the other driver is found to be at fault.

File a Lawsuit

If you have already been in an accident with someone who does not have insurance or enough insurance and you do not have these types of coverage, there is still something you can do. You can file a lawsuit against them and get a judgment. One thing to keep in mind is that you may not ever get any money from the other driver but you can try with this method. 

Integra Insurance Services serving Huntington, TX, is here to help you in these types of situations as well as ensure you are properly insured. 

Texas Homeowners Insurance: A Policy of Its Own

Jacksonville, TX is a beautiful area surrounded by Lake Jacksonville, where residents and visitors enjoy fishing, skiing, outdoor activities and camping trips. There are also a number of attractions that draw visitors, such as bowling, skating and going to the rodeo or Tomato Fest. Although there are many things to do and see, inclement weather can be of concern.

Filled with a rich history, this piece of Texas is known for having some of the largest bass mouth fishing experiences in East Texas. Family-friendly shops and restaurants are a normal staple in this town, and the homes are attractive and meet every price point.

If you’re a resident of Jacksonville, TX or are considering buying a home in the area, having a homeowners insurance policy that will protect you and your family is important when living so close to the water. When disaster strikes, you want to be prepared. Living close to the water can also cause your policy to increase, based on proximity and state regulations. Working with a knowledgeable agent will give you all the information you need to make those important decisions.

If you have additional structures or valuables in your home, you may need a homeowners insurance policy that is greater than the standard. Knowing the worth of your items is key. A good agent will assess your belongings and structures to ensure you have the best policy that meets your budget.

Don’t put yourself in a situation where you do not have the coverage you need. As the seasons progress throughout the year, unexpected emergencies can crop up at any time. Be proactive in protecting your home and your family. For information on insurance policies in the 75766 area, contact our agency today!

How A Personal Injury Claim In Nacogdoches, TX Can Save You Money

Nacogdoches, TX 75961 is a growing city. The household income is less than it is for the state, though the home values are relatively the same. It’s a college town and there’s a strong focus on arts and culture. This allows you to find plenty of things to stay occupied with throughout the year.

When you obtain homeowners insurance in Nacogdoches, TX, you want to look at how a personal injury claim is going to be covered. If someone is injured on your property, this should not be an expense that comes out of your pocket. By working with an agent in 75961, you can determine what is and is not covered.

Various accidents can be covered within your homeowner’s insurance policy. This can include a contractor falling outside, a guest slipping on the inside, a mail courier tripping on the porch, or even someone driving under the influence after leaving your home. All of these accidents can fall under a personal injury claim, though not all may be covered when you file such a claim with your insurance company.

The best way to be sure you save money is to have an insurance policy that covers everything that could possibly happen within your home in Nacogdoches, TX 75961. You can talk about the possible incidents and determine the level of coverage you think you would need. In the event someone is injured, you can then file a personal injury claim and be confident that the homeowner’s insurance company will cover it.

There is a balance to be had between finding all the coverage you need and finding an affordable premium. Work with one of our experienced insurance agents so we can find a policy that meets all of your needs and still falls within your budget.

The Car Insurance Buyer’s Guide

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.

The Post-Crash Process

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.

3 Questions to Ask When Getting a Commercial Insurance Quote for Your Landscaping Business

Are you thinking about starting your own landscaping company in Jacksonville, TX? Before you begin servicing property owners in the 75766 zip code, you will want to make sure you have adequate insurance coverage. Here are three questions to ask when getting commercial insurance quotes for your landscaping business.

#1: What Types of Insurance Coverage Do I Need?

Owning and operating a landscaping business often requires multiple commercial business insurance policies to ensure you are fully covered. The three most common types of policies contractors in this field need are:

  • General Liability Policy: This type of policy protects you against liability claims from property owners over accidents and mishaps. Examples of this would include situations where you damage a fence with a piece of lawn equipment or accidentally kill someone's prize-winning rose bush.
  • Worker's Compensation Policy: This type of policy covers your employees medical costs and lost wages should an accident happen to them on the job. In Texas, this type of coverage is required by law.
  • Commercial Auto Insurance Policy: You will most likely have to drive from one customer's location to another. Having a commercial auto policy is key to keeping you (and your vehicles) protected while on the road.

#2: Do I Have to Have Commercial Insurance to Operate My Landscaping Business?

With exception to worker's compensation insurance, you do not have to have commercial insurance to operate your company. However, taking on that additional risk can leave you open to a personal lawsuit and significant financial loss should there be any sort of mishap while running your business.

#3: How Will My Equipment Be Covered?

A special type of insurance coverage for business property covers things like lawnmowers, leaf blowers, and other yard care specific items. This is usually obtained through a businessowner package policy (BOP) that puts together your general liability policy and personal property together.

Of course, in any situation with insurance, contacting local insurance agencies to review your exact needs is always recommended.

Choosing the Right Commercial Insurance Coverage

Home to beautiful neighborhoods in North Lanana Street and South Pecan Street, Nacogdoches, TX is one of the state’s oldest towns. The 75961 area code offers key components to state history, accompanied by a variety of town treasures. The Stern-Hoya house offers excellent locational background, and the nearby Stone Fort Museum is a common location for out-of-towners.


Prime Business Locations


The area’s location and street attributions have made it an excellent area for small and medium-sized businesses. Often, startup businesses have trouble selecting the correct “direction” as many options exist. When contacting agents for commercial insurance quotes, individuals should seek protection from unforeseen events—guaranteeing growth and scale protection.


Nacogdoches businesses deserve quality policies, and our collection of prime commercial insurance quotes makes selection easy. However, before selecting a plan, consider the following coverage components, as each may serve different businesses in different ways.


Asset and Property Insurance


If your business holds tangible assets and physical property, such coverage is needed. “Tangible” assets are touchable, and they’re often located on a company’s premises. They include:


  • Products
  • In-house equipment
  • Vehicles
  • Building materials


These assets may be protected, financially, from damage and theft, and individuals maintaining commercial insurance should query about specialized assets and property discounts.


Public and Product Liability Insurance


Public liability insurance is incredibly useful for companies interacting with external consumers. This component covers liabilities while managing personal injury, property damage and third party lawsuit claims.


Similarly, product liability insurance is an important component if you deliver or supply goods. This insurance covers a good’s cause of several possibilities, including:


  • Injury
  • Death
  • Damage
  • Expense


Commercial Vehicle Insurance


Sometimes, businesses operate automotive “fleets”. If you’re considering operating shuttle services, delivery services or contract services, commercial automotive insurance will be needed. Such coverage differs depending upon vehicle specifics, so examining different quotes is important.


Remember, not every insurance component is applicable to every business, so discussing risks and liabilities with a providing company should be considered. When utilizing our expansive database, feel free to acquire additional information pertaining to locational laws and regulations. While coverage may differ in your area, many providers offer custom-tailored plans guaranteed to protect a thriving business.




commercial insurancequotes