Questions To Ask Yourself When Shopping For Auto Insurance

If you are a car owner, one of the most important things you should have is auto insurance. It protects you and your vehicle from the costs resulting from property damages and injuries in case of an accident. It also gives you peace of mind by letting you enjoy your car ownership. Finding proper auto insurance coverage might be a challenging and time-consuming process. In order to make the right choice, there are several questions you should ask yourself. 

What Type of Coverage Do I need? 

Do some research and decide what exactly you want before contacting and insurance agency and talking to its agent. Figure out what type of coverage will better fit your needs and budget, so you will not feel pressured when discussing the options with the insurance agency. 

What Deductible Should I Choose? 

A deductible is an amount that you, as a car owner, will have to pay out of pocket before your insurance starts covering the expenses. The lower the deductible is, the higher your insurance policy will cost.

How Often Do I Drive? 

Do you drive 100, 500, or 1,000 miles per month? The mileage is one of the most important things to consider when shopping for auto insurance. If you do not drive much, it might be worth getting a mileage-based type of insurance to save money. 

Where Do I Park My Car?

Your address has an impact on the cost of auto insurance. For example, if you park your vehicle on a street or in front of your porch, you face a higher risk of vandalism or theft, which will increase the cost of your insurance. Moving to a safe suburb in Richardson, TX will significantly decrease the premium costs. 

If you have already answered these questions and are ready to get auto insurance for your vehicle, our agents from Allegiance Insurance Agency serving Richardson, TX are ready to assist you. Call Allegiance Insurance Agency today to learn more about the policies available. 

What to Look For in Classic Car Auto Insurance

Cars are known for not lasting near as long as they used to. That’s why people who find a classic take such great care of them. There is special insurance coverage for classic cars that is different from standard auto liability insurance. The Allegiance Insurance Agency, serving the Richardson, TX area, has experience in protecting these mobile trophies.

Is Your Car a Classic, or Antique?

To meet the criteria for classic car insurance, your vehicle must be one of the following:

  • Classic: A vehicle over 10 years old that is of historic interest (muscle car, hot rod., etc.).
  • Antique: A classic car that is over 25 years old.

Is Your Classic Car Well-Maintained?

In order to obtain this specialized, restricted form of insurance, it is often asked that the car only be used for limited occasions, be maintained and preserved in the originally-designed condition (or undergoing restoration), and be stored inside an enclosed building structure.

How Does Classic Car Insurance Differ?

There are incentives to holding a classic car policy over a typical policy.

Guaranteed Value

Also known as “Agreed Value”, this coverage will offer a full and fair value that was agreed to by the policyholder of the car to be paid in the event of a total loss. Typical insurance offers “actual value” which is often depreciated based on age and mileage. 

Lower Premiums

Given the standard of care necessary to meet the criteria for the policy, it is understood that great care will be taken when you have your classic car on the road. Accordingly, this will allow for premiums of classic car insurance to be lower than similar traditional auto coverage.

Classic cars are special and deserve special coverage. Contact a professional with Allegiance Insurance Agency, serving the Richardson, TX area, to ensure your classic car is ideally protected

What Are the Requirements for Getting Motorcycle Insurance in Texas?

You’ve just purchased your first motorcycle. Now it’s time for you to get insurance. The agents at Allegiance Insurance can assist their clients with getting the right type of policy they need to be fully protected if an accident would occur. Motorcycle enthusiasts who live in or near Richardson, TX can visit or call and agent to find out what they need to do to get their coverage started.

Apply for Your Permit/License

Once you have your motorcycle, you will need to get your permit or license. If you are applying for your permit, you will have restrictions that you will have to follow until you take the test and earn your license. In Texas, you must wear a helmet if you are under the age of 21 or riding on a permit. Any helmet used for riding must be DOT approved.

Motorcycle Safety Course

One of the most important steps is to take a motorcycle safety course. A state-approved motorcycle safety course provides lessons on handling a motorcycle under different driving conditions, understanding the laws pertaining to motorcycles on the highway, and also offers advice on how to properly maintain your motorcycle so that it is safe and ready for the road whenever you choose to ride. 

In Richardson, TX, the agents at Allegiance Insurance have all the information you need when trying to find the perfect motorcycle insurance policy. Visit the office today and speak to an agent in person. Once you have your questions answered, you will be able to choose a motorcycle insurance policy that will provide you with the coverage you want. Schedule your appointment now so you know you are fully covered.

How RV Insurance Works in Richardson

There are a lot of misconceptions about RVs in Richardson, TX, which can make RV insurance somewhat difficult to figure out. If you’re not planning to take your RV very far,  you may wonder if you should even bother with a policy. Allegiance Insurance Agency wants you to know a little more about how it all works, so there are no nasty surprises down the line. 

Your RV Insurance Depends on Your Vehicle 

RV is a somewhat broad term that can refer to a variety of types of vehicles, which is why they’re organized according to the class of RV. If you live in it full-time during the summer, if you only take it a nearby park, if your vehicle is brand new or 15 years old, all of these factors will influence everything from the type of policy you have to the premium to the clauses attached to each section of the plan. 

RV Insurance Is Versatile 

From campsite coverage to emergency towing, RV insurance can cover more than just the standard collision and liability you’re expected to have when you’re on the road. Those in Richardson, TX may keep their valuables in their vehicle, including expensive electronics and jewelry. To get the help you need to repair or replace them, you’ll need a policy that’s adjusted to fit your needs. 

If you’re wondering how you can get better or more inclusive terms for your policy, Allegiance Insurance Agency may be able to help. When you call us, we can give you the facts you need to make the best possible decisions for your vehicle. If you’re looking to protect your investment and keep everyone safe on the road, give us a call for a quote. 

3 Tips for Smarter Boat Safety in Richardson, TX

If you own a boat in Richardson, TX, you already know that it’s a ticket to lazy-days and thrilling nights. Being on the water is a back-to-basics tactic that can erase the weighed-down feeling you can easily adopt on land. But what you may not always consider is just how important safety is when being on your boat. Allegiance Insurance Agency wants you to know more, so you can breathe a little easier if something does go wrong. 

Practice the Plan 

You likely already have some idea of what you would do in an emergency. You know where the life preservers are and you know how to radio for help. But there’s a difference between having a vague procedure in your head and practicing the plan until you know it by heart. This is important for everyone, but especially for younger kids who may not always react the way you’d like. 

Step Up Your Safety 

You may need additional equipment on board in addition to what you already have. From signaling devices to fire extinguishers, having the right gear on board can make it easy for fires to be put out immediately (sometimes literally) before they become a real threat. 

Find the Right Insurer 

Insurance can have a lot to do with your safety in Richardson, TX. Allegiance Insurance Agency has seen just how much our clients have benefited when they’re able to make repairs right away after covered events rather than waiting because they don’t have the means to fix their boats. Insurance can offer you invaluable liability coverage, which can protect you in case of accident or injury on the watercraft. If you have questions about the right policy for you, call us today to learn more. 

What Health Insurance Is Right For Me In Richardson?

At Allegiance Insurance Agency in Richardson, TX, we feel it is not appropriate to say this is the best health insurance product or this is the most suitable. One, we want you to know that health insurance is broad and complicated. Secondly, everybody’s situation is unique. So, your neighbor’s health insurance plan may not be suitable for you.

In choosing a suitable plan, you need the guidance of an expert. Don’t confide in any insurance agent or insurance company because the primary aim of many of them is to make more money. They are likely to give suggestions and opinions that will fetch them more money at your expense.

You can trust us. We will help you choose the best insurance plan for you and your family. In fact, we will give you the pros and cons of every insurance plan so that you can be informed enough to make a balanced judgment.

Take the time to read through the fine prints of every plan. Don’t let low cost becloud your judgment. Some health insurance plans cost less but you may be restricted to a few healthcare providers. You know why? Those healthcare providers are in the network of your insurance provider, so your treatment will cost your insurance company less with the select healthcare providers. Unfortunately, they may not the best in treating your medical condition.

Most importantly, you should review your health insurance plan annually. There may be a new addition to your family, like having a baby. In addition, regardless of the plans, health insurance usually covers medical checkups, consultations, hospital visits, prescription drugs, and wellness care.

Also, health insurance is not likely to cover cosmetic procedures, elective procedures, beauty treatments, and the use of off-label drugs. Once again, every health insurance policy is the most suitable for some people and the least suitable for others. Your situation will determine.

However, you can schedule an appointment with us at Allegiance Insurance Agency in Richardson, TX. Let’s determine the best plan for you.

How Can Life Insurance Protect My Family?

Life insurance is confusing and sometimes a scary topic for many people. Among other confusing bits of information, many people wonder why exactly they should carry life insurance and how it can protect their family. Allegiance Insurance Agency of Richardson, TX wants to answer these questions for you.

Life insurance is insurance coverage that is given to your beneficiaries when you pass due to a covered event. The amount of coverage and time limit of that coverage depends on the insurance you obtain. For instance, you might either choose term life or whole life. Term life is insurance that covers your death for the specified period of time you choose. Whole life covers your death for your entire life, as long as you have paid your premiums and your death is due to a covered event.

When the insurance payments are given to your beneficiaries, they can use it for what they need. A portion of it typically goes to cover your funeral costs, unless you have prepaid for your burial and service. After those costs are covered, the money can be used toward anything that the beneficiary sees fit to spend it on. Many common ways it is spent include the following:

  • To pay off any debts left in your name, including mortgages and vehicles. This helps to ensure that your family can stay in the family home as opposed to losing it if they cannot pay for it.
  • To send children to college. Many parents use the money to ensure the children get a quality education.
  • To cover medical care. If you have a sick or disabled family member, the benefits can be used to continue their care.
  • To cover everyday living expenses. Some people leave the money in the bank and use it to cover regular expenses. This helps your family maintain the same quality of life they would have if you were still alive.

There are no limits as to what the benefits can be used for, but it is a definite way to protect your family financially in the event of your death.

For more information on life insurance and how it can help your family, Allegiance Insurance Agency is here for you. If you are in or around the Richardson, TX area, stop by or give us a call today.

What Type of Business Losses Are Covered by Commercial Insurance

Business owners in the Richardson, TX area need to assess all the risks they face each day by renting building space and providing a product or service to the general public. Often, this means conferring with staff members of Allegiance Insurance Agency to choose the right commercial insurance coverage that protects the business from all potential losses. 

It’s important for small businesses to protect themselves. Thus, protecting yourself as an owner from financial demise. 

The Importance of Business Interruption Insurance

A standard commercial insurance policy covers all physical damage (office furniture in a fire or a storm-damaged workplace) and pays for the cost of rebuilding or replacing the property itself. But, comprehensive commercial insurance coverage will be needed for the inability to operate your business because of property damage. 

This specialized coverage is called business interruption insurance, which assists with keeping business owners in good financial standing during severe catastrophes. Despite the unexpected disruption, businesses are still required to pay all outstanding debts regardless of lost revenue. The coverage can assist with many of these costs, including rent, utility bills and operating your business from a temporary location. 

Adding Liability and Worker’s Compensation Coverage is Key

Most commercial insurance policies will have additional provisions that include liability coverage. It’s a comprehensive option that is a must for all businesses. Liability coverage will protect them from financial losses that are related to illness, possible medical expenses and personal damage caused by the businesses’ daily operations of products or services offered to consumers. 

Worker’s compensation is another ultra-important commercial insurance coverage for businesses that employ a large number of workers. The coverage pays for all benefits of an employee who has become ill or injured while on the job. In the event of their death, worker’s compensation will make sure the employee’s family receives their benefits as well. 

Small business owners should update their commercial insurance policies on an annual basis, so as to protect their finances. The commercial insurance agents of Allegiance Insurance Agency of Richardson, TX can fulfill all of your coverage needs. Contact them today as they can answer all of your questions. This will ensure your business will have the right commercial insurance coverage to protect your interests.

Common Causes of Motorcycle Accidents and How to Prevent Them

There are hosts of benefits that come with riding a motorcycle, but unfortunately, riding a motorcycle can also be dangerous. The good news is that most bikes in Richardson, TX provide you with the best tools to avoid a crash; powerful brakes, easy handling, tires with good grip and obstruction-free vision. Even with these tools, motorcycle accidents happen, so Allegiance Insurance Agency has put together a few tips on how to avoid the most common types of motorcycle accidents.

Front Brakes Lock Up

There’s nothing more fearful than cruising along and all of a sudden an animal, a car or stopped traffic is directly in your path. Out of instinct, you’ll grab the front brake harder than normal; unfortunately, this often results in you being thrown off the bike. To avoid this type of situation, learn how to effectively and safely use the front brake. Practice frequently and at different speeds until you fully understand the power of the front brake.

A Car Door Gets Opened

You’re riding along and all of a sudden a driver opens their car door and bam, you’re knocked off your motorcycle. Unfortunately, this happens more often than many people realize. To avoid this situation, never ride between parked cars and the traffic lane, always be aware of what’s going on around you and drive at the posted speed limit.

One of the most common causes of motorcycle accidents is slippery roads. If you are riding and it begins to rain or if the roads are wet from recent rain, it’s essential that you not speed. The best way to avoid the risk of crashing on a slippery road is to make sure your bike has good tires. If the tires are worn, there is a good chance of sliding and crashing on a slippery road, but worn tires may also lead to a crash should you encounter gravel.

Residents of Richardson, TX interested in learning more information about motorcycle insurance should contact Allegiance Insurance Agency.

What are the benefits of a Texas boat insurance policy?

The Richardson, TX area is well known for having a lot of hot summer days. To escape this weather, a good option is to purchase your own boat and enjoy the local lakes and other waterways. If you are going to get a boat, it is important to understand your benefits when it comes to insurance. There are several benefits that are received when you get a quality boat insurance policy. 

Provides You with Ample Coverage

One of the advantages of getting boat insurance is that it will provide you with the necessary insurance coverage. If you own and operate a boat, there is always a risk of it being damaged or stolen. Additionally, there is constantly a risk that you could be involved in a boat accident. When you get boat insurance, you will have coverage for both the asset as well as liability. This helps to mitigate all of these risks. 

Ensures Compliance

Additionally, you will benefit from boat insurance as it will ensure that you are in full insurance compliance. There are many situations when boat insurance is required. If you have a boat that has a loan, the lender will need you to provide evidence of insurance. Additionally, some local areas do require that a boat owner carry liability insurance to protect others in the area. 

Owning a boat in the Richardson, TX area can be a great experience. To ensure that this is maximized, you should get a quality boat insurance policy. When you are shopping for insurance, you should call Allegiance Insurance Agency. The Allegiance Insurance Agency team knows the complexities that come with picking a boat insurance. They can help you by reviewing your situation and getting you into a policy that gives proper coverage.