HINTS

The Difference Between Limited And Regular Policies:
You may have heard about Limited and Regular Auto Insurance policies. Limited policies carry a lower premium, however, they will only cover those who are listed on the policy. If you let other people drive your car, you may be better off with a Regular policy. Regular policies will carry a higher premium, but you will have to exclude those you do not want to be covered. Most liability policies in the $25 - $35 range usually are Limited policies.

Vehicle Insurance Verification And SR-22s:
TexasSure is now being used by law enforcement and County Tax Offices to verify your Auto Insurance instantly by matching your insurance policy with your Texas vehicle registration and Title information. Many people are being caught owning a vehicle without Liablility insurance. Their licenses are then suspended and are required to obtain an SR-22 (Financial responsibility form) to reinstate their license. To learn more about TexasSure, click here.

You don't have to pay a higher rate! Here are some hints that you can act on to help make your purchase of Insurance easier and improve your likelihood of a lower premium.


Auto Insurance:
1. Do not rely on yearly inspections for your vehicle.
2. If possible, enroll in a defensive driving course.
3. When you drive, do not drink.
4. Buy a hands-free mobile phone kit.
5. "Turn around, don't drown."


Health Insurance:
1. Exercise at least three times per week.
2. Quit smoking.
3. Reduce or eliminate alcohol consumption.
4. Minimize or eliminate fast foods from your diet.
5. Drink more water and cut-down or eliminate soda.


Homeowners'/Renters' Insurance:
1. Remove any obstacles in high traffic areas.
2. Purchase fire extinguishing equipment.
3. Remove, when possible, fire hazards around your home.
4. Replace batteries in your smoke detector every six months.
5. Get your air-conditioning unit and hot water heater serviced.