News
NO EXCUSES: Wear your Seat Belt!
Texas is part of the 13th annual "Click It or Ticket" safety effort to make sure travelers buckle up. The campaign that began Monday and runs through June 1 means law enforcement officers are ready to ticket anyone not using a seat belt. Texas law requires everyone in a vehicle to wear a seat belt.
The stepped-up enforcement effort includes the National Highway Traffic Safety Administration, the Texas Department of Public Safety, the Texas Department of Transportation and sherriff's offices statewide.
Officials say that Texas had 3,371 traffic fatalities last year, and approximately 1,500 of those motorists were not buckled up. Administration figures show wearing a seat belt increases your chances of surviving a serious crash by 45 percent.
According to results released today by the Insurance Institute for Highway Safety, General Motors Co.'s Chevrolet Equinox and GMC Terrain earned top marks in a test designed to simulate one of the deadliest types of front-end collisions. The two models earned a rating of "good". Toyota Motor Corp.'s Highlander was deemed "acceptable", and the other six vehicles tested were rated marginal or poor.
The Equinox and Terrain were modified for the 2014 model year to improve their front structure and door-hinge pillars. Driver survival space stayed intact after impact, the insurance institute said. The worst performer among the tested SUV's was Honda Motor Co.'s Pilot, the institute said. Its parking-brake pedal moved forward 16 1/2 inches and the steering column moved 5 1/2 inches. Besides the Pilot, the four other SUV's to receive a "poor" rating were Mazda Motor Corp.'s CX-9, Ford Motor Co's Explorer, the Sorento made by Kia Motors Corp. and the Toyota 4Runner. Chrysler Goup LLC's Jeep Grand Cherokee was rated "marginal". Click here to read the full article.
The Coalition Against Insurance Fraud convicted the worst-of-the-worst as they inducted new members into the Insurance Fraud Hall of Shame. Inductees were either convicted or had other legal closure in 2013, and range from the audacious, to the klutzy, to the downright strange.
The Hall of Shame intends to call public attention to insurance fraud by putting a face on an $80 billion crime that many consumers consider a victimless hoax. Click here to see who made the list of the year’s biggest swindlers.
Texas’ three largest home insurers are kicking off 2014 with steep increases in policyholder premiums, according to a report published on Jan. 4.
The Dallas Morning News reports that Allstate, Farmers and State Farm plan to raise rates for most current and new customers by between an average of 6.5 percent to 14.9 percent. More than 2 million homeowners will be affected.
Farmers is raising rates an average of 14.9 percent, and State Farm is boosting rates 9.8 percent. Allstate’s increase is 6.5 percent. That will affect policyholders with Allstate’s two largest homeowner’s insurance subsidiaries.
Once again, this is when having your insurance with an Independent Insurance Agency will reap you many rewards. An Independent Agent will continuously shop your insurance policies to guarantee you are receiving the best coverage and premium available in the industry. The insurance market is constantly changing, by placing your insurance with a trusted independent agent you are guaranteeing that you stay on top of current market conditions. The insurance policy you had 10 years ago is probably not the same policy you should have in place today. An Independent Agent is able to provide you with options that best fit your individual needs, whereas the above mentioned insurance companies have only one option to provide, and that is the one company they represent. Paschall Insurance Group boasts over 50 different top rated insurance carriers, we do not represent a single insurance company but rather we represent our clients. Paschall Insurance Group provides numerous options for our clients which will in turn save them time, money and stress.
Every year one of the biggest expenses for a family to incur is car insurance and homeowners insurance. Insurance companies are doing everything they can to get our attention today, but how do you know if you have the right coverage at a fair price?
Paul and Sue Rodman of Atlanta are parents to three growing boys, the oldest on the verge of getting his driver's license. They are looking at spending approximately $1500 more on insurance and that’s on top of the $2800 they're already paying annually for auto and homeowners insurance.
Paul Rodman admits that he had been with the same insurance company since he was 16 and never thought of shopping around for his insurance. Insurance companies are known for pushing rates up on these types of innocent, loyal customers. A good tip to securing the best insurance rate is to shop or have an Independent Insurance Agent shop your insurance approximately every three years. This will insure that you are always receiving the best insurance coverage and value available in the market.
Mr. Rodman took the advice of a leading expert and shopped his auto insurance and found different quotes ranging from $918 to $1800. That is nearly double the cost for the exact same policy. This of course can be confusing to most, which is why it is important to have a trusted local Independent Insurance Agent do the shopping for you. An Independent Agent will consult with you and provide you with a range of options that best fit your individual needs. The Agent will also insure you receive all discounts that apply to your policy (and there are quite a few discounts out there). Many factors determine your insurance rate and they will help simplify and determine what is best for you and your family.
At the end of the day, Mr. Rodman saved his family $1500 a year in insurance cost. He has the same exact coverage with another A+ Insurance Carrier and is no longer a loyal slave to the same big insurance company as he has been the majority of his life. Way to go Mr. Rodman… Now how much do you think you could save?
