http://www.carinsurancetexas.com/blog/View Citizens Insurance Agency's Website Blogen-uspostmaster@www.carinsurancetexas.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:640b7081-4f5f-4a59-9cb8-da675a0288bfurn:uuid:5966971b-bb22-45b8-bcbe-ec43ae190fe6<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000004478633XSmall.jpg' align='left' />It's difficult to get your life back together after divorce. In many cases it's like starting over, especially if you are on your ex-spouse&rsquo;s group health insurance plan; now, you must decide whether to remain on the plan through COBRA or to cr...Tue, 24 Jan 2012 17:27:07 -0600<p><img src="/img/%7Ewww.carinsurancetexas.com/iStock_000004478633XSmall.jpg" style="width: 200px; height: 134px; float: right; margin-right: 0px; margin-left: 7px; border-width: 0px; border-style: solid;" alt="health insurance" />It's difficult to get your life back together after divorce. In many cases it's like starting over, especially if you are on your ex-spouse&rsquo;s group health insurance plan; now, you must decide whether to remain on the plan through COBRA or to create your own plan for health insurance coverage that focuses on the premiums, benefits and networks you want. </p> <ul> <li><em>Insurance Plans to Consider</em></li> <ul> <li><em>Individual health insurance:</em> This is an insurance policy for an individual or family, purchased independently with the help of an insurance agent. When choosing individual insurance, there are many different types of plans to review, including:</li> <li>Health Maintenance Organization (HMO)</li> <li>Point of Service (POS)</li> <li>Preferred Provider Organizations (PPO)</li> </ul> Each of these plans will give the policyholder many different options in terms of doctors they can visit, premium costs, co-payments, deductibles and out-of-pocket expenses. Your agent can help you decide which plan best suits your lifestyle and your existing medical history.<br /> <br /> <li><em>COBRA through a former spouse&rsquo;s group insurance policy:</em> After divorce, a former spouse can remain on their ex&rsquo;s group insurance through COBRA for up to 36 months. However, during this time, they will be expected to pay an additional charge for administrative fees and they will be restricted to only those coverage options afforded in the group insurance policy. For example, if the group insurance policy is an HMO plan, the ex-spouse will be restricted to only visiting those physicians and medical facilities covered within the HMO network. If they decide to go out of network, they will not be provided any benefits or discounts. This kind of restriction is uncomfortable for many and as a newly divorced individual, it may not be representative of the freedom of choice that you now want to enjoy.</li> <br /> <li><em>Other group coverage:</em> If your employer offers group health insurance coverage, you can take part but remember, as with COBRA from your ex&rsquo;s group insurance, you will be limited in the benefits you get and networks you can access. </li> </ul> <p>It's important that you take your choice of health insurance plans seriously. If you're not sure where to begin or what might be the best option for you, give us a call. We can work together to develop a plan that has a network of physicians you're comfortable with, prices you can afford and flexibility that you want.</p> <p>For more information about <strong><a href="http://www.carinsurancetexas.com/health/default.aspx">Texas health insurance</a></strong> call <strong>Citizens Insurance</strong> at 866-589-1312 or get your free <strong><a href="http://www.carinsurancetexas.com/health/insurance_quote.aspx">Texas health insurance quote</a></strong> today!</p>urn:uuid:ab6784ac-4e94-4e7d-9c75-a971ddeffe06<img src='http://www.carinsurancetexas.com/img/~www.carinsurancetexas.com/iStock_000002688759XSmall.jpg' align='left' />Insurance companies have a sophisticated set of duties. &nbsp;Carriers design policies that protect their policyholders, evaluate how much risk a potential policyholder brings to the table, establish effective rates that are affordable to the policyh...Thu, 29 Dec 2011 13:58:12 -0600<p style="margin: auto 0in;"><img style="width: 300px; margin-bottom: 10px; float: right; margin-left: 10px;border: 0px solid;" alt="Austin Car Insurance" src="/img/~www.carinsurancetexas.com/iStock_000002688759XSmall.jpg" />Insurance companies have a sophisticated set of duties. &nbsp;Carriers design policies that protect their policyholders, evaluate how much risk a potential policyholder brings to the table, establish effective rates that are affordable to the policyholder while keeping the insurer profitable, and they need to meet their claim obligations to policyholders.</p> <p style="margin: auto 0in;">Reading that, you might think it means that insurers won&rsquo;t issue an auto insurance policy to you if you are a high-risk driver, but that&rsquo;s not true. An experienced agent can help you find insurers that will make it possible for you to get insurance and submit your SR-22.</p> <p style="margin: auto 0in;"><b>Who is High Risk?</b></p> <p style="margin: auto 0in;">There is no single factor that may make an individual driver high risk. An insurer could consider any of the following to meet that definition:</p> <ul> <li>Elderly drivers </li> <li>Young drivers </li> <li>Drivers with a history of accidents </li> <li>Drivers with a history of traffic violations </li> <li>Drivers with a suspended license </li> <li>Drivers with a DUI or DWI </li> <li>Drivers who&rsquo;ve repetitively driven without coverage </li> </ul> <p style="margin: auto 0in;"><b>Qualifying for a Policy</b></p> <p style="margin: auto 0in;">One of the keys to getting a policy when you&rsquo;re high risk is working with an agent who has access to multiple carriers, including non-standard carriers, and is familiar with the underwriting standards of each. That agent will know which insurers are less likely to offer a policy based on your specific history and, in turn, which are <i>more </i>likely to. <br /> <br /> The best ways for you to make this process easier for your agent:</p> <ul> <li>Fully disclose your driving history </li> <li>Let them know what you&rsquo;ve done to become a better driver and prevent a repeat of old mistakes </li> <li>Take a driving class </li> <li>Keep your record clean </li> </ul> <p style="margin: auto 0in;"><b>SR-22 Filings</b></p> <p style="margin: auto 0in;">If you are required to submit proof of insurance through an SR-22 filing, your agent can assist you with that for however many years you are required to submit it.</p> <p style="margin: auto 0in;"><b>Keeping the Insurance</b></p> <p style="margin: auto 0in;">As a high-risk driver, getting insurance is just half the battle. You also need to <i>maintain </i>your insurance so you can keep your vehicle on the road. In order to retain your policy:</p> <ul> <li>Pay premiums in full and on time </li> <li>Send back any bi-annual or annual renewal documents by the deadline </li> <li>Maintain a clean driving record </li> </ul> <p style="margin: auto 0in;">If you&rsquo;re ready to start exploring your&nbsp;<a href="http://www.carinsurancetexas.com/austin-car-insurance/">Austin car insurance</a> options, contact an agent at <strong>Citizens Insurance</strong> today. We can help you find the right company and policy for all your non-standard needs. </p>urn:uuid:127e8d80-32db-45cb-9f37-284bcd0b8f02<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/Austin%20Car%20Insurance%20Contract.jpg' align='left' />An insurance contract is a unilateral agreement between an insurer (your insurance carrier) and the insured (you). That means that an insurance company has many responsibilities toward their policyholders. In turn, policyholders must promise full and...Fri, 18 Nov 2011 10:08:02 -0600<p><img alt="Austin Car Insurance Contract" style="float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px; width: 220px; height: 147px;" src="/img/%7Ewww.carinsurancetexas.com/Austin%20Car%20Insurance%20Contract.jpg" />An <strong>insurance contract</strong> is a unilateral agreement between an insurer (your insurance carrier) and the insured (you). That means that an insurance company has many responsibilities toward their policyholders. In turn, policyholders must promise full and honest disclosure and timely premium payments. </p> <p>So you know what your responsibilities are, but <strong>what exactly are your insurance carrier&rsquo;s</strong>?</p> <ol> <li>Pay claims in a timely manner. The whole point of having an <strong>insurance policy</strong> is so that your claims will be paid and you will be made whole after a qualified loss following an insurable incident. In order to have the money for claims, insurers must put money away into reserves. Claims are generally unexpected and&mdash;with some types of insurance&mdash;can affect hundreds or thousands of insurance holders all at once.</li> <li> Charge appropriate and fair rates. Insurance actuaries analyze the experience of various groups and determine the likelihood of claims based on these experiences. This knowledge allows them to develop rate schedules that are sufficient enough to pay insurance company expenses as well as claims. </li> <li> Remain financially secure. Insurance companies need to continue marketing and bringing on new clients. They also need to have actuaries continually working on rate schedules all while having customer service staff trained and ready so they can keep existing clients happy. All of this works toward bringing in money that the insurance company needs to offset risk and pay claims. </li> <li>Investigate claims. When the insurance company is defrauded out of money on invalid claims it doesn&rsquo;t just hurt them, it hurts you. They must put a system in place to examine all claims and reduce the amount of fraud that occurs. That way, money isn&rsquo;t paid out on fraudulent claims that could have been paid towards actual damages. </li> <li> Adjust to new regulations. Insurance is a highly regulated industry Not only that, it is regulated by each state. This may be hard for carriers to integrate, but integrate they must. </li> </ol> <p>Your premiums not only work toward ensuring that you get your claims paid, they also help the insurance company do all the things they need to in order to offer you reliable protection. When you work with us on fulfilling your insurance needs, we can help you find the right insurer to help you minimize your cost and maximize your protection. </p> <p>At <em>Citizens Insurance</em>, we have been providing service to Texans for 20 years.&nbsp; We specialize in all types of insurance including <strong><a title="Austin car insurance" href="http://www.carinsurancetexas.com/automobile/car_insurance.aspx">Austin car insurance</a></strong> as well as <strong>home, auto, business and health insurance in Austin, Dallas, San Antonio and surrounding areas in Texas</strong>. If you are in the market for new insurance, make sure to call or email us today.&nbsp;<a href="http://www.carinsurancetexas.com/contact.aspx">Let us show you what a difference friendly knowledgeable service can make.</a></p>urn:uuid:857297f2-a0ce-40dd-9ed0-2a5c16e7da4f<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000003552954XSmall.jpg' align='left' />Are you a business owner? Do you have a vehicle that you use for that business? If you say yes to both, then you should purchase a commercial car insurance policy. This will help to safeguard your business from the financial losses in the event a dam...Mon, 17 Oct 2011 11:40:58 -0500<p>Are you a business owner? Do you have a vehicle that you use for that business? If you say yes to both, then you should purchase a <a title="Business Insurance" href="http://www.carinsurancetexas.com/business/default.aspx">commercial car insurance policy</a>. This will help to safeguard your business from the financial losses in the event a damaged commercial vehicle. </p> <p>Many business owners aren&rsquo;t sure what to consider a vehicle and what to consider equipment when it comes time to get the proper insurance coverage. Here are some tips on how you can tell the difference.</p> <h2>6 Most Common Vehicles Insured</h2> <p><img alt="Yellow Truck" style="width: 226px; height: 150px; float: right; margin-left: 7px; border-width: 0px; border-style: solid;" src="/img/%7Ewww.carinsurancetexas.com/iStock_000003552954XSmall.jpg" />You can insure almost any kind of vehicle under your commercial vehicle policy. Here is a list of some of the most common vehicles insured:</p> <ol> <li>Private passenger vehicles &ndash; As long as the car is used for business purposes, a private passenger vehicle can be covered. </li> <li>Delivery vehicles &ndash; This might include vans, trucks, cars, motorcycles&mdash;even scooters, anything you can deliver with.</li> <li>Trucks &ndash; Any type of truck can be added to your policy including dump trucks, panel trucks, or tow trucks. &nbsp;</li> <li>Trailers &ndash; Trailers are actually considered vehicles and can be covered.</li> <li>Buses &ndash; You can protect these with your commercial vehicle policy even if you use the bus for private charters or daily passenger transportation, &nbsp;</li> <li>Certain earth moving equipment &ndash; Not all earth moving equipment qualifies for coverage, but some do, so <a title="Contact" href="http://www.carinsurancetexas.com/contact.aspx">contact</a> your agent to find out for sure.</li> </ol> <p><strong>Vehicles Not Covered - </strong>Some aircraft and marine vehicles may not be covered under a commercial vehicle policy. Instead, you&rsquo;ll have to purchase watercraft or aviation policies. </p> <p><strong>Vehicles by Ownership Status - </strong>It is possible to insure a business vehicle that you hold the title for, but you don&rsquo;t need to completely own a vehicle before adding it to your commercial car policy. You can insure leased vehicles, hired or rented vehicles and in some cases, even vehicles that you borrowed for the purpose of your business.</p> <h2>4 Main Coverage Types</h2> <p>As you now understand that wide range of vehicles can be covered by your commercial car insurance policy, it is necessary to contemplate what types of coverage to get. A car insurance policy&mdash;whether it&rsquo;s commercial or personal&mdash;can offer many different types of protections with different deductibles and limits for each. These coverage types include:</p> <ol> <li>Bodily injury liability</li> <li>Collision coverage</li> <li>Property damage liability</li> <li>Uninsured motorist coverage</li> </ol> <p>If you are still unsure as to whether or not your company&rsquo;s property qualifies as a vehicle or equipment, contact your local agent for a <a title="commercial quote" href="http://www.carinsurancetexas.com/business/bop_quote.aspx">Austin commercial car insurance quote</a> and to help you pick the right coverages, limits and deductibles for you business. </p>urn:uuid:c0d53102-ba18-4038-819f-396a7b2aa6a7<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000009764212XSmall.jpg' align='left' />Austin car insurance&nbsp;can be difficult to understand. With the various requirements for deductibles and limits and all the different coverage options available, car insurance in Austin, Texas is confusing to many&mdash;and this makes it difficult...Tue, 27 Sep 2011 09:33:22 -0500<p><strong><a title="Austin Car Insurance" href="http://www.carinsurancetexas.com/category.aspx?id=MISC1"><img alt="Austin Car Insurance" style="width: 257px; height: 170px; margin-top: 5px; margin-bottom: 5px; margin-left: 7px; float: right;" src="/img/%7Ewww.carinsurancetexas.com/iStock_000009764212XSmall.jpg" />Austin car insurance</a></strong>&nbsp;can be difficult to understand. With the various requirements for deductibles and limits and all the different coverage options available, <strong>car insurance in Austin, Texas</strong> is confusing to many&mdash;and this makes it difficult to find the right kind of coverage for your driving needs.<br /> <br /> If you are looking for car insurance quotes and you are a Austin driver, allow an experienced agency with an A+ rating with the Better Business Bureau to take your side and help you navigate all your options. It&rsquo;s possible to get cheap auto insurance in Austin while still getting a policy that protects your family&rsquo;s assets. </p> <h2><strong>Austin, Texas</strong></h2> <p><strong>Austin</strong> is the capital city of the U.S. state of Texas and the seat of Travis County. Located in Central Texas on the eastern edge of the American Southwest, it is the fourth-largest city in Texas and the 14th most populous city in the United States. It was the third-fastest-growing large city in the nation from 2000 to 2006. <img src="/img/%7Ewww.carinsurancetexas.com/austin-texas.jpg" style="width: 249px; height: 170px; float: left; margin-top: 5px; margin-right: 10px; margin-bottom: 5px;" alt="Austin, Texas" />Austin has a population of 790,390 (2010 U.S. Census). The city is the cultural and economic center of the Austin&ndash;Round Rock&ndash;San Marcos metropolitan area, which has a population of over 1,716,291 (2010 U.S. Census), making it the 35th-largest metropolitan area in the United States.</p> <p>The area was settled in the 1830s on the banks of the Colorado River by pioneers who named the village Waterloo. In 1839, Waterloo was chosen to become the capital of the newly independent Republic of Texas. The city was renamed after Stephen F. Austin, known as the father of Texas. The city grew throughout the 19th century and became a center for government and education with the construction of the Texas State Capitol and the University of Texas. After a lull in growth from the Great Depression, Austin resumed its development into a major city in the 1980s and emerged as a center for technology and business. Austin is home to many companies, high-tech and otherwise: Fortune 500 corporations Freescale Semiconductor, Forestar Group, and Whole Foods Market, are headquartered there; AMD, Apple, Broadcom, Google, IBM, Intel, Qualcomm, ShoreTel, Synopsys and Texas Instruments have prominent regional offices there. Also Dell's Worldwide Headquarters is located in nearby Round Rock, a suburb of Austin.<br /> <br /> (Source: <a href="http://en.wikipedia.org/wiki/Austin,_Texas">Wikipedia.com</a>)</p> <h2><strong>Citizens Insurance Agency</strong></h2> <p>Citizens Insurance Agency has been serving residents of Texas for over 20 years from our main location in Central Texas. We work with a number of the top national insurance companies. Now we have made it easier than ever to get&nbsp;accurate quotes instantly. All you have to do is fill out one form&nbsp;and it will be compared through multiple companies within seconds. You also have the option of calling us to receive a quote. There is no wait to speak with an agent, and&nbsp;we are over 70% successful at saving people money on all of their insurance needs.<br /> <br /> Many sites that offer insurance quotes are not operated by independent agencies. They are websites that sell your vital info to various agencies who will harass you with telephone calls, spam, and mailers. We don't run our business that way. Your info will only remain in our possession. Our specialties are <strong>Austin Car Insurance</strong>, home, business and commercial insurance. We service the cities of <strong>San Angelo</strong>, <strong>San Antonio</strong>, <strong>Dallas</strong>, and all other areas of Texas. <a href="http://www.carinsurancetexas.com/contact.aspx" title="Citizens Insurance Agency">Contact us</a> today to lean more about car insurance or get a free <a title="Austin car insurance quote" href="http://www.carinsurancetexas.com/automobile/car_insurance.aspx?"><strong>Austin car insurance</strong></a> quote. </p>urn:uuid:e95db58e-0547-4172-9c44-b1c4c4f0b9a9<img src='http://www.carinsurancetexas.com/img/~www.carinsurancetexas.com/iStock_000004484991XSmall.jpg' align='left' />An insurance carrier may reserve the "right of subrogation" in the event of a loss. This means the insurance company may choose to take action to recover the amount of a claim paid to a covered insured if the loss was caused by a third party. After e...Wed, 14 Sep 2011 15:47:48 -0500<p><span style="color: #366092;">An insurance carrier may reserve the "right of subrogation" in the event of a loss. This means the insurance company may choose to take action to recover the amount of a claim paid to a covered insured if the loss was caused by a third party. After expenses, the amount recovered must be divided proportionately with the insured to cover any deductible for which the insured was responsible.</span></p> <p>To provide further explanation - in the event you are involved in an accident that is not your fault, your insurance company may agree to pay your claim, but not until you agree to assign your rights to sue the at-fault party.&nbsp; Subrogation is the process by which you sign over your rights to sue to your insurance company.&nbsp; This will allow your insurance company to pay your claim and pursue reimbursement from the negligent party.&nbsp;&nbsp; </p> <p><img alt="Car Accident" style="width: 228px; height: 150px; float: left; margin-right: 7px; border-width: 0px; border-style: solid;" src="http://www.carinsurancetexas.com/img/~www.carinsurancetexas.com/iStock_000004484991XSmall.jpg" />Subrogation is common in auto insurance.&nbsp; As an example, suppose you were hit by an uninsured motorist.&nbsp; If you carried uninsured motorist or collision coverage on your policy, you could file the claim with your own insurance company, thus avoiding the hassle of suing the uninsured driver for the damages.&nbsp; At this point though, you are the only one that has the right to sue the uninsured driver, as you were the one they caused damage to.&nbsp; The uninsured driver did not hit your insurance company, they hit you.&nbsp; Your insurance company at this time does not have the right to sue them for the accident.</p> Therefore, as a condition of receiving payment from your company, you will be required to sign over your right to sue to the insurance company.&nbsp; This signed statement will then give your insurance company the right to sue the uninsured driver and collect the damages.&nbsp; This process will allow you to receive payment from your insurance company now for the claim and will allow your insurance company to recoup the amount of money they paid you for the claim from the at fault driver at a later time.&nbsp; It is a win-win for both you and your insurance company.<a name="_GoBack"></a> <br /> <br /> To learn more about <a href="http://www.carinsurancetexas.com/framed.aspx?ref=12374" title="Texas Car Insurance Quote">Texas Car Insurance</a> contact us at&nbsp;<strong>866-589-1312</strong>.urn:uuid:157e14cb-2a1d-4b9b-a914-7545b6c15c85<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000011464574Small.jpg' align='left' />Insurance is a valuable asset within any financial plan, but that doesn&rsquo;t mean that the premiums can&rsquo;t hurt your budget if you aren&rsquo;t careful. Luckily, there are numerous ways to save money on insurance premiums. Here are some sugge...Mon, 22 Aug 2011 10:53:52 -0500<p><strong><a title="Texas Insurance" href="http://www.carinsurancetexas.com/"><img alt="Texas Insurance" style="width: 256px; height: 170px; float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" src="/img/%7Ewww.carinsurancetexas.com/iStock_000011464574Small.jpg" />Insurance</a></strong> is a valuable asset within any financial plan, but that doesn&rsquo;t mean that the premiums can&rsquo;t hurt your budget if you aren&rsquo;t careful. Luckily, there are numerous ways to <strong>save money on insurance</strong> premiums. Here are some suggestions to help you get the coverage you need at a price you can afford: </p> <ul> <li><strong>Stick with the same insurance company:</strong> Everyday, insurance companies send out messages and commercials to vie for your business. To encourage customers to buy all of their insurance in the same place, they will often provide discounts for people who hold multiple policies with them. Be sure to let your insurance agent know of any existing coverage you have while you shop so he or she can help you take advantage of these multi-policy discounts. </li> <li><strong>Discuss deductibles: </strong>A higher deductible generally means a <strong>lower insurance</strong> premium because it shows that you are accepting some of the potential risk of a claim. But only choose a deductible that you can afford&mdash;otherwise, you might not be able to carry the cost when an insurable event actually occurs.</li> <li><strong>Have your current policy on-hand: </strong>When switching insurance carriers, know what your current insurance deductibles, coverage options, limits and premiums are. This will help you avoid becoming over or under-insured with your new policy and will help you determine an appropriate premium for your budget and needs.</li> <li><strong>Choose appropriate limits:</strong> Limits on your insurance policies represent the maximum amounts that an insurer might need to pay if you have a qualifying insurable event. When you over insure your home, car or life, you create limits that are higher than necessary that bring on a premium expense that is wasteful. Instead, be sure to choose appropriate limits that will help make you whole after an event.</li> <li><strong>Make use of riders:</strong> Riders are additional benefits that can be added to certain insurance contracts. For instance, in <strong><a title="Texas Life Insurance" href="http://www.carinsurancetexas.com/life/insurance_quote.aspx">life insurance</a></strong>&mdash;instead of buying separate policies for your spouse or children&mdash;you can add riders that provide a death benefit in the event that they pass away before you do. Riders are generally less expensive than individual policies but make sure you understand how they work before you add them to your policy.</li> </ul> <p style="margin: 0in 0in 10pt; line-height: 115%;">&nbsp;</p> <p style="margin: 0in 0in 10pt; line-height: 115%;">The best way to get an accurate and affordable insurance quote is to work with your agent and offer him or her full disclosure on your life and needs. An Insurance agent is your best resource in finding the premiums you can afford in a policy that doesn&rsquo;t compromise benefits. <br /> <br /> <br /> To learn more about Texas insurance contact us at&nbsp;<strong>866-589-1312</strong>. Get a <a href="http://www.carinsurancetexas.com/framed.aspx?ref=12374" title="Texas Car Insurance Quote">Texas Car Insurance</a> quote or <a title="Texas Home Insurance" href="http://www.carinsurancetexas.com/homeowners/insurance_quote.aspx">Texas Home Insurance</a> quote.</p> <p>&nbsp;</p>urn:uuid:ede6fff1-5800-4178-bb8b-141e6a5b4243<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/Texas%20Auto%20Insurance.jpg' align='left' />Non-owners car insurance is a policy you purchase when you do not own a vehicle.&nbsp; It provides car insurance for an individual who wants coverage when driving other&rsquo;s vehicles. &nbsp;In most cases, the only coverage available on a non-owner...Wed, 27 Jul 2011 13:04:34 -0500<strong><img src="/img/%7Ewww.carinsurancetexas.com/Texas%20Auto%20Insurance.jpg" style="float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" alt="Texas Auto Insurance" />Non-owners car insurance</strong> is a policy you purchase when you do not own a vehicle.&nbsp; It provides <strong><a href="http://www.carinsurancetexas.com/automobile/default.aspx" title="Texas Car Insurance">car insurance</a> </strong>for an individual who wants coverage when driving other&rsquo;s vehicles. &nbsp;In most cases, the only coverage available on a non-owners&rsquo; policy is bodily injury liability, property damage liability, medical payments, and uninsured motorist.&nbsp; Non-owner policies will not include comprehensive nor collision coverage.&nbsp;&nbsp; The coverage is designed to pay for damage to the owned vehicle for perils such as theft, collision, fire and so forth.&nbsp; Since the policy doesn&rsquo;t cover owned vehicles, these coverage cannot be purchased. <p> Coverage does not extend to household members and only applies&nbsp;to the person listed on the declarations page.&nbsp; In the event of an accident, the non-owner policy is designed to pay after the car policy coverage is exhausted.&nbsp; Therefore, it is designed to be a secondary policy.&nbsp; For these reasons, a non-owner policy is not designed for teenagers that want to be covered when driving their parents&rsquo; car.&nbsp; If an accident occurs and it is the teenager&rsquo;s fault, the parent&rsquo;s primary policy will not provide coverage, as the teenager is not covered.&nbsp; The non-owner policy only provides coverage for the teen.&nbsp; Therefore, the parent&rsquo;s interests are not protected in this scenario.</p> <p>Non owner policies were designed for a person that does not own any vehicle and does not have regular access to a particular vehicle, including work related vehicles. Additionally, you cannot add any drivers to this type of policy. Only the named insured (the person who was issued the policy) will have coverage.</p> <p>Usually, coverage is not provided for any of the following:</p> <ul> <li>Vehicles registered to the policyholder.</li> <li>Vehicles that are work related or are non-private passenger type vehicles.</li> <li>Vehicles owned by residents of your household.</li> </ul> <p>If you own a vehicle, non-owner car insurance is not the type of <strong><a href="http://www.carinsurancetexas.com/framed.aspx?ref=12374" title="Texas Auto Insurance">car insurance</a> </strong>you should purchase. It only protects you when you are driving a vehicle in which you have no ownership of any kind. </p> <p>It is also important to know that if you acquire an automobile after purchasing a non-owner policy, you must add that vehicle immediately after acquisition and pay any additional premium if applicable. Many people will purchase a vehicle and forget to add it to their policy thinking that the vehicle is insured.<br /> <br /> To learn more about car insurance contact us at&nbsp;<strong>325-597-4222</strong> or get a <a href="http://www.carinsurancetexas.com/framed.aspx?ref=12374" title="Texas Car Insurance Quote">Texas Car Insurance quote</a>.</p> <p>&nbsp;</p>urn:uuid:e1e050ff-fb68-4ed0-9839-5a7db09e5adf<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/Texas%20Car%20Insurance.jpg' align='left' />If your business owns a vehicle then a personal auto insurance coverage may not offer you the protections that you need. Instead, commercial auto insurance might be the better choice, limiting your liability and offering more comprehensive coverage. ...Wed, 13 Jul 2011 12:10:04 -0500<p>If your business owns a vehicle then a <a title="Personal auto insurance" href="http://www.carinsurancetexas.com/automobile/default.aspx">personal auto insurance</a> coverage may not offer you the protections that you need. Instead, <a title="Commercial auto insurance" href="http://www.carinsurancetexas.com/business/default.aspx">commercial auto insurance</a> might be the better choice, limiting your liability and offering more comprehensive coverage.</p> <h2><strong>Difference between Commercial and Personal Auto Insurance</strong></h2> <p>As you can probably tell, <strong>commercial auto insurance</strong> and <strong>personal auto insurance</strong> differ because one is meant to cover your commercial (or business) automobile or fleet and the other your personal automobile. But the difference is actually more than that. <strong>Personal auto insurance</strong> covers insurable events like the bodily injury of you, your passenger, or another driver. It also covers collision costs, uninsured motorist claims, theft of your personal assets and property damage liability when caused by your personal vehicle. </p> <p><strong><img src="/img/%7Ewww.carinsurancetexas.com/Texas%20Car%20Insurance.jpg" style="float: right; margin-top: 5px; margin-bottom: 5px; margin-left: 7px;" alt="Texas Car Insurance" />Commercial auto insurance</strong> has a different set of liabilities to cover. For example, let&rsquo;s say that the passenger in your car is not just a friend or family member along for a ride somewhere&mdash;as it would be in a&nbsp; personal vehicle&mdash;but a client that is paying you to drive them to a certain location. Or, let&rsquo;s say that your vehicle is stolen not just with your personal DVD&rsquo;s and laptop in it, but expensive business equipment owned by your client that you were meant to transport somewhere. In both of these examples, not only are the cost of the missing goods or injuries going to be part of the claim, but the loss of use and loss of business caused by the interruption by the insurable incident and subsequent repair of your car could play a major role in the impact of the claim. Additionally, the liability you as the business owner carry as the responsible party to your client&rsquo;s goods is also much greater than the personal liability involved in losing a few DVDs.</p> <p>The liabilities and potential expense of claims can be quite different depending on whether you have a business vehicle or a personal vehicle. Imagine if you have employees driving your commercial vehicles while on the clock? Your personal auto insurance policy will not cover claims and their personal coverage may not either, which leaves your business exposed.</p> <h2><strong>Why Buy Commercial Auto Insurance?</strong></h2> <p>If you buy a personal auto insurance policy on a business-owned vehicle, it is possible that your future claims could be denied making the policy completely useless. The reason for this is that when an insurance company underwrites, prices and issues your policy they must be able to do so with full access to all the facts of the situation. If you present to them a low-risk personal situation, then they are going to price and issue your policy accordingly. But with a commercial vehicle you actually present a completely different set of risks and different expenses. These risks and expenses need to be honestly considered by the insurer and when you present a business automobile as a personal automobile they cannot be. It may even be considered fraudulent activity to attempt to do so.</p> <p>Additionally, insurance is meant to provide protection of your assets from claims. When you buy a personal auto insurance policy you are protecting your personal assets. Your business has a completely different set of assets and different asset value to cover. A denied claim resulting from the purchase of the wrong type of auto coverage could ruin your business. Buying a commercial auto policy for your business property is the right option to get the right financial protection for your business.</p> <h2><strong>Commercial Auto Insurance Coverage Options</strong></h2> <p><strong>Commercial auto insurance </strong>offers many of the same coverage options as a personal insurance policy. You can opt for uninsured or underinsured motorist coverage, liability and physical damage coverage. These options may sound similar to those that you get with a personal policy but they are structured and priced so that they can provide the protection, deductibles and limits you need for your business. </p> <h2><strong>Pricing Commercial Auto Insurance</strong></h2> <p>Rates for commercial auto insurance can vary and are based on many of the same factors as your personal auto insurance, including your driving history, type of vehicle and credit rating. But commercial (Business) insurers also must consider how many employees will have access to the vehicles, who may ride in the vehicles, what you use the vehicles for, how often the vehicles are driven and what kind of mileage is put on them. Each of these factors will be weighted against the others so that your underwriter can develop a specific quote for your individual commercial auto insurance needs. </p> <p>Remember, It is about buying coverage that will protect your unique situation against the risks you face on a daily basis. The only way to make sure you have the right protection is to buy the right policy and to be completely forthright with your insurer. <strong>Citizens Insurance Agency offers <a title="Personal auto insurance" href="http://www.carinsurancetexas.com/automobile/default.aspx">personal auto insurance</a> and <a title="Commercial (business) auto insturance" href="http://www.carinsurancetexas.com/business/bop_quote.aspx">commercial (business) auto insurance</a>.</strong> Contact us today!<strong> 325-597-4222</strong></p> <p>&nbsp;</p>urn:uuid:4026c48c-3d67-4f61-b66f-97fdae98f551People often wonder why we will not insure their home for current market value.&nbsp; The answer is simple.&nbsp; Insurance companies want to insure a house to the replacement cost value.&nbsp; This means the cost to rebuild including all labor and m...Wed, 06 Jul 2011 16:16:21 -0500<span style="background-color: #f3f3f3;">People often wonder why we will not insure their home for current market value.&nbsp; The answer is simple.&nbsp; Insurance companies want to insure a house to the replacement cost value.&nbsp; This means the cost to rebuild including all labor and materials.&nbsp; In many parts of Texas this is confusing.&nbsp; Houses may sell for $80,000 but it&nbsp;is 1600 sq. ft. in size.&nbsp; That means we may be insuring it for $140,000 to avoid depreciation charges.&nbsp; For more information on <a href="/homeowners/default.aspx">Texas Homeowners insurance click here.</a></span>urn:uuid:92769eb3-b2d0-4ac3-a969-ca5a469e1bfeIt has recently come to our attention that San Angelo is one of the&nbsp;best places to buy insurance in the state.&nbsp; We were contacting companies trying to find their so called hot spots,&nbsp; and we learned quite a few companies offer their lo...Tue, 05 Jul 2011 17:37:56 -0500<span style="background-color: #f3f3f3;">It has recently come to our attention that San Angelo is one of the&nbsp;best places to buy insurance in the state.&nbsp; We were contacting companies trying to find their so called hot spots,&nbsp; and we learned quite a few companies offer their lowest rates in San Angelo.&nbsp; After learning this, I decided to try and get the word out.&nbsp; If you live around San Angelo and are not doing business with an independant agent:&nbsp; odds are, you are losing money.&nbsp; So if you want to lower the cost of your <a href="/default.aspx">San Angelo auto Insurance</a>, give us a call today.<br /> </span>urn:uuid:6dcb5ced-4bb5-4382-9459-9cc5c93f78b0I recently read an article talking about how to shop for car insurance online.&nbsp; The article said to pick out 3 to 4 companies, go to their websites, and call their customer service deptartments.&nbsp; Just thinking about that process slightly ho...Fri, 01 Jul 2011 13:46:22 -0500I recently read an article talking about how to shop for <a href="/automobile/default.aspx"><strong>car insurance</strong> online</a>.&nbsp; The article said to pick out 3 to 4 companies, go to their websites, and call their customer service deptartments.&nbsp; Just thinking about that process slightly horrifies me.&nbsp; I do not know anyone who wants to spend all afternoon dealing with <strong>auto insurance</strong>.&nbsp; That is what we (agents) are paid for.&nbsp; With us,&nbsp; you fill out one form and rates are comparied through multiple top companies instantly.&nbsp; The whole process getting rates and all will take less than 5 minutes.&nbsp; As far as customer service,&nbsp; call our office.&nbsp; There are no hold times or automated systems.&nbsp; We are excellent at dealing with insurance companies and it will save you alot of time and frustration.&nbsp; <br /> <br /> If you are in the market for car insurance,&nbsp; <a href="/default.aspx">click here and compare quotes instantly.</a>urn:uuid:a870b358-e6f1-43c6-8866-d6fdbc28cd83Texas Car Insurance&nbsp;drivers are always looking for ways to save money.&nbsp; I get&nbsp;quite a few&nbsp;questions about defensive driving or good student discounts.&nbsp; One discount many Texas drivers do not think about is the paid in full di...Wed, 29 Jun 2011 13:38:15 -0500<a href="/default.aspx">Texas Car Insurance</a>&nbsp;drivers are always looking for ways to save money.&nbsp; I get&nbsp;quite a few&nbsp;questions about <strong>defensive driving or good student discounts</strong>.&nbsp; One discount many <strong>Texas drivers</strong> do not think about is the paid in full discount.&nbsp; The discount comes off of the total policy premium, (About 5% most the time) but then you also get out of paying those little $5 administraion fees companies put on payments every month.&nbsp;&nbsp; Moral of the story is;&nbsp; it is easy to turn a $600 policy into a $500 policy just by paying in advance.&nbsp; The next time you shop for <a href="/category.aspx?id=MISC8">car insurance in Texas</a>.&nbsp; Take&nbsp; a look at the savings provided by the paid in full discount.urn:uuid:ddd423c5-5015-4d05-bdf4-aca9d13116cbIn Texas we see it happen alot.&nbsp; A customer comes in&nbsp;their policy had just expired and they want to re-write it the same way.&nbsp; One problem,&nbsp; if your car insurance in Texas expires you are going to be charged a higher premium.&nbsp...Tue, 28 Jun 2011 13:36:16 -0500In Texas we see it happen alot.&nbsp; A customer comes in&nbsp;their policy had just expired and they want to re-write it the same way.&nbsp; One problem,&nbsp; if your <a href="/default.aspx"><strong>car insurance in Texas</strong> </a>expires you are going to be charged a higher premium.&nbsp; For a whole study look below.<br /> <br /> <br /> Car insurance rates jump an average of 5.7 percent for drivers who let their policy lapse, according to an Insurance.com analysis of 184,000 policies sold in 2009 and 2010. Following a few simple tips can keep drivers from needlessly paying more for their auto insurance coverage.&nbsp; <a href="/news.aspx">To read the whole article, click here!<br /> <br /> </a>urn:uuid:a1a277fa-3b5e-41fe-b20a-67c9b8930560Most&nbsp;Texas Car Insurance companies look at credit as one of the main factors in determing your auto insurance&nbsp;rate.&nbsp; It is not the only factor but it is one of the reasons we at Carinsurancetexas.com use multiple carriers to search for...Mon, 27 Jun 2011 15:03:24 -0500Most&nbsp;<a href="/default.aspx"><strong>Texas Car Insurance</strong></a> companies look at credit as one of the main factors in determing your auto insurance&nbsp;rate.&nbsp; It is not the only factor but it is one of the reasons we at Carinsurancetexas.com use multiple carriers to search for you the best rate.&nbsp; We have companies that specialize in it all.<br /> Read below for more details on credit rating in Auto Insurance.<br /> <br /> <br /> You know that where you live, what you drive and how you drive can affect how much you pay for auto insurance. But did you know that your credit score can also influence how much your insurance company charges you for coverage?&nbsp; <a href="/news.aspx">Read the whole article by clicking here!<br /> </a><br />urn:uuid:c26f8ff9-b50f-43ef-ae10-17c51b1313e4Angie Mohr, On Wednesday June 22, 2011, 12:53 pm EDT Every state has a minimum amount of liability coverage that drivers are required to carry, but your insurance agent will likely also offer you several ancillary or add-on coverages that are optio...Sat, 25 Jun 2011 15:15:03 -0500<div class="mod provider-attribution"><span class="byline">Angie Mohr</span>, <span class="datetime">On Wednesday June 22, 2011, 12:53 pm EDT</span> </div> <p><a href="http://us.lrd.yahoo.com/SIG=11lfp905m/EXP=1310242307/**http%3A//twitter.com/investopediafe"></a></p> <p>Every state has a minimum amount of liability coverage that drivers are required to carry, but your insurance agent will likely also offer you several ancillary or add-on coverages that are optional. Some are worth adding and some are rarely worth the extra cost. Here are five add-ons that you should investigate when buying auto insurance.</p> <p><strong></strong></p> <p><strong>1. Gap Insurance</strong><strong><br /> </strong>Gap insurance protects you in the event that you owe more money on the vehicle than the insurance company will pay you. Insurance companies use standard valuation measures to determine what your car was worth at the time of the accident; that's the amount they will pay to you. However, if you financed or leased your car, you may owe more on the loan or lease than what the insurance company gives you. This is the gap and, if it is not insured, it can cost you money out-of-pocket if you get into an accident. </p> <p>The gap is greatest when you first drive a brand new car off the lot as its book value depreciates very drastically. However, after two to three years, the rate of depreciation levels off and the lease or loan payments may catch up to it, making the gap disappear. Consider adding on gap insurance on a new car purchase and then dropping it in a few years. </p> <p><strong>2. Roadside Assistance</strong><strong><br /> </strong>Roadside assistance consists of mobile repair and towing services if your car breaks down on the road. Mechanics are equipped to change tires, fill up an empty tank and assess mechanical problems. If they are unable to fix the problem on the side of the road, they will tow the vehicle to the nearest repair facility. This is an important service to have, especially if you often travel alone or with children. If you have roadside assistance through other means, such as AAA coverage or benefits on your credit card account, you will not need to sign up for it with your insurance policy. However, if you do not have it already, it is a worthwhile add-on. (For related reading, see 10 Car Insurance Myths.)</p> <p><strong>3. Vanishing Deductible</strong><strong><br /> </strong>This feature is something that is becoming commonly offered as part of premium auto insurance policies. When you are comparing policies between companies, it is a benefit worth having. Vanishing deductible reduces your deductible by a certain amount (usually $50-$100) at the beginning of the policy and then the same amount annually until it reaches zero. Deductibles drop as long as you maintain a clean driving record and have no accidents. If you have an accident, you pay the lower amount rather than your original deductible. More companies are adding this benefit as time goes on so do your homework and check around. </p> <p><strong>4. Personal Injury Protection (PIP)</strong><strong><br /> </strong>PIP insurance covers a variety of expenses in the event of an accident, depending on the policy. The main costs it covers are medical expenses for the insured driver, her family and other passengers up to a certain dollar amount. In no-fault insurance states, PIP is required as there is no recovery of medical expenses from the other driver. PIP may also cover funeral or loss-of-income expenses. While your health insurance policy may cover some of these expenses, PIP can fill in and make up for co-pays and deductibles.</p> <p><strong>5. Uninsured Motorist Coverage</strong><strong><br /> </strong>If you do not live in a no-fault state, you run the risk of being hit by an uninsured motorist, in which case, there is no insurance to cover you. This is the purpose of uninsured motorist coverage. Your own policy will kick in rather than having to sue the other driver and spend copious amounts of time in court. Most standard policies add this coverage in but many discount insurance policies do not. Check your current coverage carefully. </p> <p><strong>The Bottom Line</strong><strong><br /> </strong>There are many bells and whistles available when buying auto insurance. Many of them are unnecessary in most situations and will simply drain money out of your pocket. But there are several that are worth adding on to make sure that you are adequately protected in the event of a car accident. </p>urn:uuid:61f62354-c303-4792-ad14-7485f3ebb5ee<img src='http://www.carinsurancetexas.com/img/~www.carinsurancetexas.com/compare_quotes.jpg' align='left' />If you are looking for a new car insurance policy, your first instinct is probably to compare insurance premiums in order to make sure that you get the best deal on your policy. But comparing rates alone will not give you a good indication of which p...Fri, 27 May 2011 15:36:15 -0500<p>If you are looking for a new <a href="http://www.carinsurancetexas.com/automobile/default.aspx" target="_self" title="insurance quote">car insurance policy</a>, your first instinct is probably to compare insurance premiums in order to make sure that you get the best deal on your policy. But comparing rates alone will not give you a good indication of which policy is more cost effective, reliable and better suited to your overall needs. Use this list to help you narrow own your choices for all the reasons you should consider, not just price. </p> <p><strong><img src="http://www.carinsurancetexas.com/img/~www.carinsurancetexas.com/compare_quotes.jpg" style="float: right; margin-left: 7px; border-width: 0px; border-style: solid;" alt="Compare Quotes" />1. Compare coverage options.</strong></p> <p>Check out the coverage options for all the different policies you have gotten quotes for. Make sure they are comparable and that they offer you the protection that is most important to you. This may mean they only consist of state-required coverages or that they include additional protections like uninsured motorist coverage. </p> <p><strong>2. Compare deductibles and limits.</strong></p> <p>Policy premiums will vary, especially if you set different limits and deductibles on each. It isn&rsquo;t a fair comparison to put an inexpensive policy with high deductibles and low limits up against one with low deductibles and high limits. So when you do your comparisons, make sure the deductibles and limits on each policy, for each coverage option, are similar. </p> <p><strong>3. Compare A.M. Best ratings.</strong></p> <p>An insurance policy is only as good as the company that issues it. When comparing two different policies from two different companies, don&rsquo;t just focus on price, deductibles and coverages; take a look at the A.M. Best rating for each company to make sure they are equal in terms of financial stability. </p> <p><strong>4. Compare customer service and payment options.</strong></p> <p>If you like to do business online, make sure that the insurance companies you are looking at have that capability. If you prefer to talk on the phone, make sure they can do that. Also, check out their different payment options (online, automatic draft, check, etc.) and choose the policies from those companies that have what you are looking for. </p> <p><strong>5. Compare rates.</strong></p> <p>Now that you&rsquo;ve made sure that you have several similar policies from different companies, it&rsquo;s time to actually look at the rates and compare them. Be sure to check out all premium types&mdash;the annual, semi-annual, quarterly and monthly so that you get a good idea of the differences.</p> <p>Once you&rsquo;ve compared all these items and narrowed down your choices, you should finally come up with the policy that meets most, if not all, of your criteria.<br /> <br /> Contact us today at <strong>(325) 597-4222</strong> for <a href="http://www.carinsurancetexas.com/" target="blank">Texas car insurance</a> quote.</p>urn:uuid:0e08253f-5cb7-4f86-91df-18ba3a8c1b29I was recently reading an article on Texas car insurance discounts and came across some info that I have found true but have never really thought twice about.&nbsp; It is drivers with significant others alot of times pay less for car insurance.&nbsp;...Tue, 03 May 2011 10:33:12 -0500I was recently reading an article on <strong>Texas car insurance discounts</strong> and came across some info that I have found true but have never really thought twice about.&nbsp; It is drivers with significant others alot of times pay less for <strong>car insurance</strong>.&nbsp; Not too long ago I had a gentlemen call me when his girlfriend moved in with him and his <strong>auto insurance</strong> went down $300 a year.&nbsp; She did have a good driving record and so did he.&nbsp; It is explained that alot of <strong>Texas Car insurance</strong> companies give discounts for family policies.&nbsp; Also It is known that single men are usually more prone to accidents and tickets.&nbsp; So the moral of the story is:&nbsp; If you have a significant other,&nbsp; you may be able to use them to save money.&nbsp; Give me a call and <a href="/automobile/car_insurance_quote.aspx"><strong><span style="text-decoration: underline;">lets run a quote for you today.</span></strong></a>urn:uuid:be25b6e7-32f1-4a1b-9c88-8d6d655a7dffSo, we all know by now that&nbsp; Texas car insurance is required.&nbsp; It&rsquo;s a fact that no matter how much we hate forking over that hard earned money every month, it&rsquo;s a necessary evil.&nbsp; But, when you think about it, In some cases...Thu, 24 Mar 2011 11:50:44 -0500<p>So, we all know by now that&nbsp; <b>Texas car insurance</b> is required.&nbsp; It&rsquo;s a fact that no matter how much we hate forking over that hard earned money every month, it&rsquo;s a necessary evil.&nbsp; But, when you think about it, In some cases<strong> car&nbsp;insurance</strong> companies actually get the raw end of the deal.&nbsp; I mean how many other institutions take a small fee to insure that in the event something terrible happens, you&rsquo;re at least financially covered for the loss?&nbsp; </p> <p>Now I know what you&rsquo;re thinking, &ldquo;this is an insurance agency, so of course they&rsquo;re talking optimistically about insurance companies!&rdquo;&nbsp; But honestly I believe in insurance!&nbsp; Kind of crazy I know, but last month I was in my first wreck, nothing big but at the time I thought I was a goner.&nbsp; I was fine; the other guy was fine, but my car- not so much.&nbsp; What ended up being $7000 in damage costs me $500.&nbsp; So, my monthly premium of $130 actually ended up benefiting me in the end.&nbsp; Even though I gripe about it when I see it hit my account every month, its way better than $7000!&nbsp; </p> <p><b>Texas car insurance</b> rates are not set or controlled by us. What we do is compare your <strong>car insurance</strong> through as&nbsp;many companies as possible to get you the best price, and hopefully save you some money!&nbsp; We provide the customer service that Texans love, and there&rsquo;s always a friendly, domestic voice on the other end when you call us.&nbsp; So, if you&rsquo;re not totally satisfied with your<strong> car insurance in Texas</strong>, let us run you some <a href="/framed.aspx?ref=12374"><strong>Texas car insurance Quotes</strong></a>. Besides, we all know we have to have it; it&rsquo;s just getting it at a good price that makes the difference.<br /> <br /> Danielle Williams<br /> GM <a href="/default.aspx">CarinsuranceTexas.com</a></p>urn:uuid:852dd98c-369e-432e-a5dc-48aacf00a99eDo you remember the good student discount?&nbsp; At one point it was a big advertising point for allot of Texas car insurance companies.&nbsp; Nowadays it is hardly ever mentioned. In fact most agents I talk with about it do not even mention it to th...Wed, 23 Mar 2011 16:03:26 -0500Do you remember the good student discount?&nbsp; At one point it was a big advertising point for allot of <strong>Texas car insurance</strong> companies.&nbsp; Nowadays it is hardly ever mentioned. In fact most agents I talk with about it do not even mention it to their clients.&nbsp; Now the point of this is not to talk about student discounts; it is in fact an article about agents getting comfortable and not doing the best job for you.&nbsp; The discounts we are presented with to save you on <strong>Texas auto insurance</strong> are vast.&nbsp; To name a few you would not suspect there are:&nbsp; Advance quoting discounts, meaning put the effective date 10 days in advance you may save 10%.&nbsp; Agents do not like this because they do not want to take the chance of loosing your business.&nbsp; We believe it is offering car insurance&nbsp;discounts like this that create loyalty and appreciation among our clients.&nbsp; There is a discount just for&nbsp;giving&nbsp;them your email address.&nbsp; I do not know about you but I will happily save $50 for getting an email telling me when my bill is do.&nbsp; I get allot worse without being compensated for it.&nbsp; Discount for owning your home, discount for having airbags,seatbelts, and an&nbsp;alarm system.&nbsp;&nbsp;<br /> <br /> The point is people are losing money by not working with a <strong>Texas insurance agent</strong> that is meticulous.&nbsp;&nbsp;Some consumers do not even use an agent.&nbsp; I could talk for hours about how that is a huge mistake.&nbsp; With technology like&nbsp;<a href="/default.aspx"><strong>carinsurancetexas.com</strong></a>&nbsp;these days you can shop online and still be represented by a great agent.&nbsp;&nbsp;Get a&nbsp;<a href="/framed.aspx?ref=12374"><strong>Car Insurance Texas quote</strong></a> from us today and let us prove to you what a difference we can make.&nbsp;urn:uuid:28f12cbb-9fb4-48d3-841f-f1124c08362aDid you know you should shop for quotes on your Car insurance in Texas once a year?&nbsp;&nbsp;&nbsp; Most people we work with come to us after being with a company for years.&nbsp; Most of them also believe that their loyalty rewards them.&nbsp; Car...Tue, 22 Mar 2011 17:00:38 -0500<p style="margin: 0in 0in 10pt;">Did you know you should shop for quotes on your <strong>Car insurance in Texas</strong> once a year?&nbsp;&nbsp;&nbsp; Most people we work with come to us after being with a company for years.&nbsp; Most of them also believe that their loyalty rewards them.&nbsp; <strong>Car insurance</strong> companies lead us to believe this by offering loyalty discounts.&nbsp; The truth is companies can go through multiple rate increases in that time while a different company goes through decreases.&nbsp;&nbsp; It creates separation in premiums that can save you hundreds of dollars by switching.&nbsp; This is why when you become a customer of ours at <a href="/default.aspx"><strong>CarInsuranceTexas.com</strong></a>; we keep an eye out on premiums and will re-shop your <strong>Texas auto insurance</strong> for you.&nbsp; </p> <p style="margin: 0in 0in 10pt;">Do not&nbsp;fall victim to your insurance company by not comparing rates every so often.&nbsp; You have absolutely nothing to lose.&nbsp; You can compare quotes for free and there is no obligation to buy.&nbsp; Compare your <strong>Texas car insurance rates</strong> today by visiting <a href="/default.aspx"><strong>carinsurancetexas.com</strong></a>.&nbsp; </p>urn:uuid:f4c044bd-e548-4f9a-8030-bcc1918218e6<img src='http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000002910799XSmall.jpg' align='left' />Texas law requires drivers in Texas to pay for the damages they cause. Texas citizens do this by purchasing Texas car insurance. Car insurance in Texas pays to repair or replace the other driver&rsquo;s car and pays other people&rsquo;s medical expen...Mon, 21 Mar 2011 15:41:57 -0500<p><img alt="" src="http://www.carinsurancetexas.com/img/%7Ewww.carinsurancetexas.com/iStock_000002910799XSmall.jpg" style="float: left; margin-right: 7px; width: 300px;" />Texas law requires drivers in Texas to pay for the damages they cause. Texas citizens do this by purchasing Texas car insurance. Car insurance in Texas pays to repair or replace the other driver&rsquo;s car and pays other people&rsquo;s medical expenses when you are at fault in an accident. </p> <p>You must carry at least the minimum amount of Car Insurance coverage required by the Texas financial responsibility law. Texas minimum liability limits were $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 25/50/25 coverage. Texas Car insurance limits increased on January 1, 2011, to $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. The new Car Insurance limits may be seen as 30/60/25.</p> <p>Because of new vehicle prices and the rising cost of medical care, the minimum amounts might not be enough if you cause an accident. If your Texas Car insurance limits are too low to pay for all of the other driver&rsquo;s costs, the driver may sue you to collect the difference. To protect yourself financially, we recommend buying more than the basic limits. Consider buying liability limits seen as 50/100/50 or higher.&nbsp; When you compare quotes on Car insurance Texas .com, We set the default limits of coverage to 50/100/50 for you.&nbsp; They can be changed easily upon your request.<br /> <br /> </p> <p>We are here for you;&nbsp;no hold times or automated systems.<strong> </strong> Quickly and easily submit your information for a <strong>free Texas car insurance quote</strong> using the best technology available. Enjoy the convenience of shopping online and feel confident knowing we are here for you when you need us. </p> <p>Contact us today at <strong>(325) 597-4222</strong> for <a target="blank" href="http://www.carinsurancetexas.com/">Texas car insurance</a> quote. </p>