Anne Bradshaw – My Insurance Blog

School Is Back In Session – Practice Driving Safety Around School Zones!

It is hard to believe the summer has flown by already, but as of this week, school is officially in session again.

It is a time of year when auto insurance agencies like to remind their customers to slow down in general and notice their driving habits within school zones.

The best way to maintain safety around schools and avoid tickets as well as car insurance premium increases is to stay vigilant, especially with school just resuming after a few months off.

Be Aware that School Is In Session - After weeks of being able to ignore the school zone signs, auto insurance carriers remind all drivers to be aware that school is once again in session all throughout Texas.
Slow Down In School Zones - The most important thing that every driver must do now that school is in session is to observe School Zone signs and slow down. Speed limits within school zones are greatly reduced, slow enough that stopping quickly to prevent an accident is easy. Drivers who receive citations for speeding with their car between School Zone signs could see increases in their auto insurance rates besides the obvious danger that doing so creates.
Watch For School Buses - With school back in session, that means school buses will be out on neighborhood streets and local highways. Stay alert for them and give plenty of distance to these slow-moving vehicles to reduce the chance of being involved in an accident with one.
Look For Flashing Yellow and Red Lights - Whether on a school bus, a School Zone sign, or at a crosswalk, pay attention for flashing yellow lights and either slow down or stop. Drivers must prepare to stop their car on the road when buses turn on their flashing yellow lights, then remain stopped as the lights turn red until the lights are turned off. Everywhere else, proceed carefully at the posted, reduced speed limit, and watch out for slow-moving autos and children. Car insurance agencies warn that passing a bus with red lights flashing could result in a hefty fine and an increase in their insurance policy premium.
Watch for Road Crossings - Beyond simply staying alert and aware within school zones, auto insurance agencies stress the importance of watching for kids crossing the road with or without crossing guards, especially between parked or waiting cars in front of schools. Children can be impulsive, frequently entering the road in places where they shouldn’t. It is up to drivers to watch for them and avoid potential accidents instead.

With school now back in session, every person driving a car on the road plays a role in protecting children and maintaining the safety of these areas.

Follow these tips highlighted by car insurance agencies each year and stay alert in school zones and most importantly, slow down.

By avoiding accidents around school buses and in school zones, drivers can avoid damaging their auto insurance record and the higher premiums that come with that!

What Are Crop, Pasture, and Livestock Insurance in Texas?

In states like Texas with a large agricultural industry, protecting farms and ranches with the right ranch insurance is essential.

Property and building insurance are two obvious policies that every farmer or rancher typically holds, but there are other types of farm insurance to protect each farmer’s bottom line, too.

Among them are crop, pasture, and livestock coverage policies sold by a farm insurance agency, each one offering specialty protection that helps farmers and ranchers keep their agricultural businesses operational amidst certain losses.

Crop Insurance - Crop insurance protects growers against financial losses sustained from a failed crop due to drought, flood, freezing, disease, and other circumstances beyond their control. Some crop farm insurance policies may also cover losses due to falling crop prices, as well. Cotton and wheat are the top crops in Texas and both have suffered greatly in the past few years due to drought and other extreme weather conditions.
Pasture Insurance - Although pasture is not a traditional crop, it is still an essential crop that gets grown for grazing and haymaking for livestock farmers to feed their animals. The failure of this crop can lead to astronomical losses as ranchers struggle to find supplemental sources of hay for their livestock. Pasture insurance provides the funding necessary to do that when drought or dwindling vegetation prevents enough pasture growth to sustain livestock.
Livestock Insurance - A range of livestock ranch insurance policies helps ranchers recover from a variety of losses as well. Standard livestock mortality insurance protects herds from deaths due to natural causes like blizzards, fire, and extreme weather events; full mortality covers herd and show livestock, including cattle and horses, from deaths due to sickness, disease, drowning, accidents, and other causes. Risk protection and gross margin insurance provide additional coverage when market prices drop and livestock selling prices go below the costs of raising them.

Though Texas is home to a large number of profitable farms and ranches, there are years when farmers and ranchers suffer great losses due to weather disasters, drought, lack of pasture, falling market prices, and many other problems.

Crop, pasture, and livestock insurance are all specialty insurance products sold by a farm insurance agency that can help agriculture businesses in the state recover from these financial losses so they can stay on their feet.

Ranchers and farmers should contact a farm or ranch insurance agency to learn about the best policies that can help them stay in business, even when facing financial losses due to bad weather agricultural disasters.

Choosing the Perfect Business Insurance Package For Your Company

Insurance for your business is necessary to protect you from the risks involved on owning your own company.

When it comes to insurance for your business, there is a broad spectrum of policies to choose from including workers compensation policies, general business liability, property insurance, equipment insurance as well as auto insurance for business vehicles.

This allows you to manage the risks within your business and to protect the time and money that you have put into growing your company.

When purchasing business insurance, you will find yourself protecting the risks within your business that are not within your control.

Be Sure to Understand Basic Insurance Needs

Understanding the basics is important when it comes to insurance of all varieties including for your business.

Purchasing the right business insurance policy will protect assets in case of loss due to theft or natural causes.

Weather is often a contributing factor when it comes to unforeseen losses to one's business assets including inventory as well as insurance covering the building.

Be Sure to Buy The Right Coverage For Your Business

A mistake new business owners often make is overlooking insurance and not putting the funds in the budget for the correct coverage.

Skimping on insurance for your business will only leave you inadequate coverage and when your business doesn't start out with the correct coverage for your needs, it allows the need to go unmet.

This is problematic for when disaster of any kind strikes, you find out too late that being under-insured leaves you paying for the damages out of your own pockets.

Always Get Replacement Cost Coverage

The first area to concern yourself with when it comes to business insurance is to make sure that your coverage covers rebuilding your business property and to replace your inventory as well as business possessions.

This includes furniture, store fixtures, equipment, machinery, inventory, personal property used in the business, labor, building improvements that have been made and any contractual obligations you may have within the business.

Keeping a list of items included in this category on hand and up to date and checking in with your agent is the best way to ensure that your coverage needs are kept up to date.

Always Get Loss-of-Use Coverage

Another thing to consider is coverage to make sure your business thrives even if something happens and you need to shut down for a bit of time.

A combination of business income coverage, extra income coverage, and contingent business interruption insurance is needed to cover the bases if a disaster occurs.

Business insurance covers the unexpected.

Make sure your business survives the unexpected by purchasing the right amount of coverage as well as the correct type of insurance for your business needs.

Great Guide on How To Save Money With Auto Insurance

Having auto insurance is very important; it can save you from having to pay costly repairs if you damage your own or someone else's vehicle.

There are many options available to insure your car or truck.

This article will give you tips to help find the auto insurance that is right for you without spending too much money.

Year of Vehicle and Options

The year and options on your vehicle will play a large roll in the amount of your auto insurance premium.

Having a newer car with lots of safety features can save you some; however, if you have it financed, you will also have to pay more for full coverage.

Extra Coverages You Can Avoid

When considering extras for your auto insurance, you can most likely do without the car rental insurance.

You will pay nearly $50 a year for rental insurance, when that is the same cost for renting a car for one to two days.

Also, your rental car is most likely already covered under your policy.

Compare Insurance Rates

Having car insurance is a necessary and important thing; however, there are things that you can do to help keep your costs down so that you have the best deal while still being safe.

Check out different insurance companies to compare their rates.

Reading the fine print in your policy will help you to keep track of whether or not terms have changed or if something in your situation has changed.

Old Vehicles Don't Need Full Coverage

If you have a shiny new car, you won't want to drive around with the evidence of a fender bender, so your auto insurance on a new car should include collision insurance as well so your car will stay looking good longer.

However, do you really care about that fender bender if you're driving an old beater?

Since states only require liability insurance and collision coverage is expensive, once your car gets to the "I don't care that much how it looks, just how it drives" stage, drop the collision and your auto insurance payment will go down dramatically.

In Summary

As stated at the beginning of the article, having auto insurance can save you from paying for costly expenses in the event of an accident.

With so many options available, it can be hard to choose the best one.

Hopefully the tips from this article will help you find auto insurance that is right for you.

Why Builders Risk Insurance is a Smart Venture

Many folks who are not a part of the construction business do not know about the financial product called builders risk insurance.

The intent of this insurance is to cover one's monetary interest in the raw material during the entire duration of a construction project, whether it is while building a new structure or remodeling an existing edifice.

This includes all the products on site, en route, or already utilized and incorporated in the construction project.

The builder or remodeling contractor or the homeowner, whoever is performing the work and is actually at a financial risk, can procure builders risk insurance.

As most homeowner policies don't offer coverage on the properties being remodeled, the homeowner can be especially at risk at that moment.

What Makes Builders Risk Insurance Different From Contractors General Liability?

The coverage of builders risk insurance is distinctly different from contractors' general liability insurance or the familiar homeowners' policy.

It is also unique since it doesn't follow the "one size fits all" policy and can differ from job to job according to the need.

A builders risk insurance policy can be purchased for a shorter period during the "construction season."

Coverage under most builders risk insurance can vary on topics such as theft, equipment breakdown, or even profit protection for the contractor.

The industry specification for adequate coverage consists of the finished re-sell value of the property and the realistic profit of the builder.

Obvious Benefits to Builders Risk Insurance

The perks of a builders risk insurance policy are very obvious:

For the contractor, the important point is that his material is covered in the event of a fire, theft, or malicious act.
This can provide a small-business owner peace of mind in a society full of litigation and claims.
Now the homeowner has protection when his property is most vulnerable while under construction.

Additional riders can also be bought for builders risk insurance policies to cover most contingencies, even loss of income from delayed openings or additional loan interest expense.

Protect your company and its investment in a new building - seek help from a builders risk insurance agency to get protection while construction is ongoing!

These Effective Insurance Tips Will Make A Big Difference

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Any kind of insurance policy that you invest in has got to be properly researched before signing on the dotted line.

Education about the subject is the key to getting the coverage that you need in order to protect your family and your investments.

Read through the following article carefully, so you do not miss any tips that you could benefit from.

Premium Payments

If you can afford to do so, it is cheaper to pay your insurance premiums all at once rather than by making monthly payments.

Most insurance companies will charge interest and other fees on top of your monthly payments, or may offer a discount for paying in a single lump sum.

If you want to save cash, try an insurance bundle.

For example, you may be able to insure both a car and motorcycle for a discounted fixed rate.

You will be able to find bundles that cover your vehicles and your home.

You should see to it that you are buying insurances that you need.

Different Ways to Purchase Insurance

Look at the pluses and minuses of different ways of the different methods of buying insurance and decide what works for you.

You can buy insurance through a direct agent, direct through the company, or through a financial planner.

They all have their own reasons for choosing them, make the choice that works best for you.

You can increase your deductible to reduce your rate, but there is a downside to this strategy.

Although your monthly insurance premiums will be lower, you will have to pay for any small incidents on your own.

Be mindful of how much these minor costs can add up, so you can make an informed decision.

In Conclusion

Now that you have taken the time to read through the preceding tips, you are on your way to making an educated decision about your insurance policy.

You can never be too educated about insurance because the more information you have, the less likely you are to make a mistake!

Why Builders Insurance is a Smart Venture

Builders insurance is an important part of a construction project. Whether involved in buildings of houses or other types of projects the possibility of accidents is always high. These accidents can affect a wide area, and the person in charge will be responsible for making sure that insurance will cover these possibilities.

Many people who are not a part of the construction business do not know about the financial product called builders insurance. This insurance's intent is to cover one's monetary interest in the raw material during the entire duration of a construction project, whether it is while building a new structure or remodeling an existing edifice.

This includes all the products on site, en route, or already utilized and incorporated in the construction project.

The builder or remodeling contractor or the homeowner, whoever is performing the work and is actually at a financial risk, can procure this insurance.

As most homeowner policies don't offer coverage on the properties being remodeled, the homeowner can be especially at risk.

The coverage of the builders' insurance is distinctly different from contractors' general liability insurance or the familiar homeowners' policy.

It is also unique since it doesn't follow the "one size fits all" policy; these products can differ from job to job according to the need.

A contractors policy can be purchased for a shorter period during the "construction season."

Coverage can vary on things such as theft, equipment breakdown, or even profit protection for the contractor.

The industry specification for adequate coverage consists of the finished re-sell value of the property and the realistic profit of the builder.

The perks of a builders insurance policy are very obvious.

For the contractor, the important point is that his material is covered in the event of a fire, theft, or malicious act which can provide a small-business owner peace of mind in a society full of litigation and claims.

Now, the homeowner has protection when his property is most vulnerable while under construction.

Additional riders can also be bought to cover most contingencies, even loss of income from delayed openings or additional loan interest expense.

Tips to Get Affordable Auto Insurance

Many people buy their dream car, but carry only the state required auto insurance. However, a comprehensive policy is the need of the hour. Driving underinsured could invite a major disaster if you get involved in an accident. While a mandatory policy will protect you from legal issues, it won't help out in terms of finances. This is where comprehensive coverage comes in handy. Buying an extensive policy isn't a costly proposition now. Here are handy tips that should help you buy the best policy at the most optimum rates.

Make changes in your car

Simple changes in your car can reduce your insurance rates. For instance, you can install safety features such as anti-theft devices, alarms in your car to protect it against possible dangers. Insurance companies offer generous discounts to such car owners. Keeping the car in good working condition is another way to cut down your coverage cost.

Buy two types of policies from one insurer

Carrying two different types of insurance policies from a single insurer is a great way to enjoy affordable auto insurance. For example, you can buy car insurance and life insurance from the same insurer. By doing so, you can save as much as 20 percent on each of the policies.

Comparison shopping

As with any other product, it pays to compare and choose insurance. Enlist reliable insurers through offline and online sources. Compare their rates, extent of coverage, and terms of service in great detail. Finally, choose the insurer that offers a comprehensive plan in a budget-friendly manner.

Bottom line

Buying comprehensive auto insurance at affordable rates is definitely possible. All it takes is a little bit of research and diligence on your part. Just stick to the above points when exploring car insurance and you could have your hands on the best coverage at the most economical rate.

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Best Ways To Reduce Your Insurance Premium!

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There are some ways that you can reduce your insurance premium, including getting higher deductible as well as improving your credit, to name a few.

Use the advice offered here to help you get the very best price on an insurance policy.

No Coverage in Canada or Mexico

If you are driving into Canada or Mexico, many people don't realize that your American car insurance won't cover you in a foreign country.

You will need to purchase auto insurance ahead of time online, or in the border town or city where you will be crossing over into either Canada or Mexico.

Clean Credit Record

When trying to keep down the cost of your auto insurance, try to maintain a clean credit record.

For some reason, auto insurers believe that people with a better credit record are also better drivers and will suffer fewer accidents.

Knowing your credit score puts you in a better position to negotiate for lower rates.

Avoid Traffic Tickets

Try and avoid getting points on your license. Speeding tickets and accidents can really cause your insurance premiums to run high.

If you do get cited for a moving violation, you should opt for traffic school to keep it off your record.

Keep Your Policy Current

Avoid letting your insurance coverage lapse to help keep your rates lower.

You should be careful to not have a gap in your coverage when you are switching from one insurance provider to another. When companies find out about gaps they will raise insurance rates. auto insurance provider

Type of Car or Truck

The type of vehicle you own plays a huge role in the amount of money you spend on insurance payments. You might have high class taste for luxury vehicles, but your insurance premiums are going to reflect that.

To save money on insurance, purchase a vehicle that is safe and modest.

As stated before, you can lower your insurance costs by changing some things. Things like your location, your mileage and your own driving record are these types of things that you have control over.

When you learn about these factors and change what you can, you can lower your auto insurance costs.

Helpful Information And Tips For Your Insurance Needs

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You have been unsuccessful so far in finding solid and reliable information about insurance. However, now you have found the right resource no matter if you are a veteran on the subject or someone who is just getting started. In this article you will find multiple tips and information to help you get a strong understanding about insurance.

Create and maintain a detailed journal of every event that occurs leading up to and throughout the duration of your insurance claim. This will assist you if there are discrepancies throughout the process. This is the only way that at least you can ensure that you keep your facts straight. Take down everyone's name and number that you speak with and a brief summary of the interaction.

Before the adjuster for your insurance claim shows at your location, be sure to find out what their name will be. This will assist in your security and the smoothness of your overall claim. It is possible that a fake adjuster may attempt to gain access to your house or property for their own bad intentions. Insurance claims adjusters

When you are filing a claim with an insurance company, ask for your claim number at the end of the original conversation with your agent. Write down and keep this number for reference. Any time you call for an update on your claim, you'll need this number, so it's better to have it on hand.

When purchasing insurance, make sure you buy it over the internet. Most insurance companies offer discounts for those who purchase their coverage over the internet rather than in person or over the phone. Some offer discounts between 5-15%. It may not seem like a lot at first, but it adds up over time.

There is a lot to learn about insurance. Hopefully, this streamlined overview provided a clear understanding. The information that was provided will further solidify what you already know or will allow you to apply your knowledge in a way that you had never considered before. insurance company