The reason for the discounted rate is simple: the cars are fuel efficient. The vehicles also have good standard safety features, which make the risk of injuries in an accident much lower.
When the Rate Applies
The discounted rate for a hybrid vehicle applies before any other reductions are added to the account. For example, if you are also getting a good driver discount, then it will apply to the rate after the discount for the vehicle is added.
Variation between Companies
Although many companies are willing to offer a discounted rate for certain vehicles, realize that the exact discount and the availability will vary. Each company has a different set of standards, qualifications and considerations that will impact the price. Do not assume that every company offers the same percentage off the basic rate or that your car will get the best discount available.
The only way to determine if a particular company offers a discount based on the car you drive is by asking and obtaining a quote with the discount applied to the account. If you are not sure about the discounts that may be available for your coverage needs or you want to learn more about your options, then contact us to talk to an independent agent today.
If you’ve recently moved to Wylie, Texas, stacked and unstacked uninsured motorist coverage may be a new concept to you. In many states, you may not have to make that distinction when you are obtaining uninsured motorist coverage. Let’s take a look at stacked and unstacked insurance and how you can select between these options on your policy.
A Look at Uninsured Motorist Insurance
Uninsured motorist coverage in Texas, is typically a good policy to have. While Texas has been working hard to bring down its rate of uninsured drivers, you still may find yourself in a collision with an uninsured driver who cannot compensate you for your losses. Adding uninsured motorist coverage allows you to receive coverage when another driver lacks liability insurance.
Stacked Vs. Unstacked Insurance
After you obtain uninsured motorist coverage, you can choose between stacked or unstacked coverage. The main distinction between the two is that stacked coverage allows you obtain coverage for each car that is on your policy. Meanwhile, unstacked coverage only allows you to obtain compensation for one car on your policy.
Stacked insurance is more expensive, but can increase the payout you receive following an accident. For example, if you can receive a maximum of $20K per accident with an uninsured driver, and you have two cars, you would double your coverage and could receive a maximum of $40K for the accident. However, if your coverage is unstacked, you can only receive the $20K maximum following the accident.
How to Adjust Your Insurance Policy
If you have several cars, it may be beneficial to purchase an unstacked policy so that you can obtain adequate coverage following an accident with an uninsured motorist. Contact us today to speak with an independent agent who can help you determine whether obtaining stacked uninsured motorist coverage is a good addition to your auto insurance policy.
When it comes to boating there is nothing more important that having an insurance policy to cover all possible sources of damage that you could have to face. A boat liability policy will only cover what you would be responsible for if you were at-fault in an accident. Here are a few things that you will want to include with your policy for your boat in Allen , Texas .
What You Will Want Your Boat Policy to Cover in Allen , Texas
- One coverage that you will want is fuel spill liability . This benefit takes care of the accidental spilling of oil and fuel spills that end up causing harm to a person or a group of people. In this case you would have to be responsible for the damages.
- Wreckage removal takes care of the cost of trying to raise or remove your boat because it has been wrecked or damaged. It will help pay for the cost of disposing of and taking care of your boat when you are legally bound to do so.
- Towing is another type of coverage you will want. Should you ever break down on the water, then this benefit would pay for another craft to come out and pull your boat to shore.
- Special equipment coverage takes care of any special equipment that you many have on your boat that is not covered under the normal limits.
If you live in the Allen , Texas and have questions about your policy , then you need to call your independent agent today. As your independent agent we can help answer your questions, It’s important that you give us a call so that we can give you specific details for your circumstances so we can give you the best coverage and service that you deserve.
Consumer-directed health insurance might just solve some of today’s biggest health care debates–but it still has some wrinkles that need to be ironed out.
But what does this new proposed solution mean for Wylie, Texas residents? What are some of the benefits of consumer-directed health insurance, and how can you take advantage of them?
First, choosing the right health insurance policy absolutely hinges on your knowledge of available options. By taking the time now to research the different types of policies available and using an online service–like this one!–to compare rates and find the best deals, you’ll be able to make the best choice for you and your family.
Talking to an independent agent is a fantastic way to figure out whether or not a specific type of policy would work well for you.
Consumer-directed health insurance policies do just as the title suggests: they put more of the consumer’s health care choices under his or her control. That means that consumers will act more like consumers, deciding what services are most important and seeing health care as a commodity that has a cost, and it allows doctors to set their own prices.
By doing this, consumer-directed health insurance plans are thought to encourage more competitive (lower) prices for consumers and a higher level of patient care. This type of policy also keeps individuals more in control of their own health care, rather than placing their health in the hands of insurance companies or the government.
Critics of consumer-directed policies argue that this plan really only works well for those who have higher incomes and are already healthy–an argument that pro-consumer-directed policy activists say doesn’t hold water. Either way, consumer-directed policies have both benefits and disadvantages.
Every plan should be carefully considered on a case-by-case basis before you make the decision to sign on the dotted line.