Monthly Archives: April 2017

Cut Your Auto Insurance Costs With These Auto Upgrades

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If you’re looking to cut down on your auto insurance costs, there are a handful of upgrades you can perform. At Allegiance Insurance Agency, we know just how frustrating expensive insurance costs can be, which is why we want to give you a handful of pointers for lowing the insurance costs on your Plano, TX vehicle. 

Security System

When buying a new vehicle, make sure it includes an alarm and security system. You might save a few dollars up front, but you’ll probably pay more in insurance. If you have an older vehicle, consider installing an alarm and security system. 

Wheel Locks

Wheels are the easiest part of a vehicle to steel. An expert team can remove the wheels off of your vehicle in the amount if time it takes to walk in, order a coffee, and return to the car. Wheel locks will security the wheels in place and make it extremely difficult for anyone to remove the wheels without very special tools. Due to this, wheel locks can reduce the cost of your auto insurance. 

Back Up Camera

Some technology makes your vehicle more expensive to insure. A back up camera is not one of these technologies. It greatly improves the safety of the vehicle and makes it easier to back up. If you have a larger vehicle, such as an SUV or pickup, seeing everything behind you is tricky, especially anything small. An installed back up camera can make this easier. 

There are different ways you can cut down on your auto insurance costs. There are ways to do so with a few upgrades, including the ones mentioned. At Allegiance Insurance Agency, we want to help you save money on insuring your Plano, TX vehicle. So, consider making these individual upgrades whenever possible. 

How Does Home Insurance Work in Texas?

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Whether you rent residential properties and want home protection, or you need to insure your personal residence, selecting the right homeowner’s policy is essential for mitigating risk. When you get insurance in Texas, there are some important things to know, before you finalize your coverage. Some coverage options are common, while others are not.

According to the Texas Department of Insurance, most homeowner’s policies cover items such as medical payments, personal property, personal liability and temporary living expenses, if you have to vacate your home under special circumstances. There’s also protection for the structural features of your residence.

The two basic types of coverage sold in Texas include all-risk policies (comprehensive) and named perils policies. All-risk policies provide the most protection, while named peril policies only cover the losses of specific causes noted in the policy agreement.  Even with an all-risk policy, not all types of damage or causes are covered.

The losses caused by floods, earthquakes, termites, and mold are not covered. However, your insurance agent can help you mitigate the risks associated with some of these causes, by enhancing your policy options. Having the right insurance to mitigate the risks in your area is critical for the preservation of your home and personal finances.

Getting a homeowner’s insurance policy in Texas is a process that requires careful consideration. You can get a full spectrum of coverage to match your needs and risk profile, but only if you work with qualified insurance professionals that can point you in the right direction. For additional information about home insurance in Plano, TX, please contact Allegiance Insurance Agency today.