You Have To Have Insurance If You Own A Car.

You have to have insurance if you own a car. You have a lot of choices when it comes to your insurance options.

Make sure to research insurance prices before buying a car. Insurance agents can give you a list of cars that have better rates. You won’t pay as much on car insurance by choosing a car with a solid safety rating.

Think about what type of insurance coverage you need on your auto. There are many different levels of coverage, but they may not all make sense for your situation. If you tend to have accidents, you might want to consider taking advantage of collision insurance

When signing up for your auto insurance, remember that only the person named on the policy will be insured unless otherwise specified. Sometimes, other drivers, such as friends and non-household family members drive your car. Your insurance company will not pay for the damage if they have an accident in your vehicle. You might have to get an addition to your policy for them to drive your car.

Property damage liability is a very important feature of your auto insurance policy. This will compensate the other driver for any damage you cause in the course of an auto accident. There are only three states that do not have this as a compulsory item.

Know about what limitations you may face. What are the deductibles and the coverage limits, are good questions to ask.

Having sufficient insurance can save a person quite a bit of cash if they get into some kind of accident.

Ask your auto insurance agent for a comprehensive list of discounts they offer.

Take an inventory of all of them, in order to ensure you take advantage of these price savers. You will be shocked at how much you can save by claiming discounts.

Conversely, the fewer points you have on your license, you can see your insurance rates decrease as well. Once negative issues are removed, it might be a good time to get new quotes on auto insurance!

Remove any other drivers from your insurance as soon as they stop driving your car. If there are other drivers on your policy, remove them because the insurance company is taking the risk for one less individual.

It can be difficult to decide how much coverage you’ll need for the insurance you actually require. If you have large amounts of money saved up, then you need enough liability coverage to protect your assets. If you did not have enough liability coverage to cover an accident with someone else, no coverage on bodily injury, and have way more than that in personal assets, you can be liable to cover the difference if you are the party at fault in the accident. It is very important to make sure you carry enough insurance coverage and other personal assets.

If you have an accident that requires an insurance claim, you should make it a point to thoroughly document everything related to the incident. You may want to consider leaving a camera in your car in case of an emergency.

There should be a ratio of “consumer compliance” for many insurance companies in your state. This will show you what percentage is of claims with a complaint.

Defensive driving courses can be a great and easy way to lower your auto insurance premiums. You can inquire about these courses at certain driving schools. You will be able to find them online.

The amount you pay as a deductible is the single biggest factor determining how much you will pay for insurance. Remember that you will have to pay a higher amount in case you get in an accident. You should set up an account to cover this difference in case something insurance

A good way to save a significant amount of money on your car insurance is to install a security device like a car alarm, a tracker, or an immobilizer. Theft related to your vehicle will play a significant part in estimating your premium. Your insurance will be lower if your car is less prone to theft.

AARP or some credit unions may make you eligible for auto insurance discounts.

Car insurance rates can greatly vary in price and coverage. This is not just a matter of different circumstances and different cars. For some, they are able to get excellent coverage without spending a lot. By learning a few simple tricks, you too can save a lot on your auto insurance.

This Blog was brought to you by Falcon Insurance Services in San Antonio and South Texas

High-Risk Auto Insurance | Car Insurance Quote Online

High-risk auto insurance | Car insurance quote online

If you fall into the category of high-risk auto insurance then it is probably because you have been classed in a group that has been considered more likely to make a claim on their insurance premium. In some cases, there is nothing you can do about being in a high-risk auto insurance category as sometimes they class young people in this group too. But this does not mean you have to be penalized and pay ridiculously high premiums you just have to look a bit harder and make sure you are getting the best high-risk auto insurance prices.

The first category is for people who are under 25 years old; these young drivers are usually more likely to have an accident than anyone over this age. It is especially the case when insuring young male drivers. The reason is that younger people are new to driving and do not have as much experience as people who have been on the roads for many insurance

High-risk auto insurance drivers are also classed as of those who have a low credit rating. If you do have an adverse credit then you will be affected in your premiums as insurance companies feel that you are a risk for not paying your policies in full.

Another high-risk auto insurance category is those who have had convictions for drink driving. The reason is that you are more likely to re-offend and also cause huge accidents which will cost a large amount of money. To offset this they charge all people in this category more than double the usual premiums.

Anyone who has had parking tickets or speeding fines will also be put in a high-risk auto insurance class as they are more likely to have an accident. This is through dangerous driving and being reckless on the roads.

How can I get low high-risk auto insurance quotes?
If you are classed in one of these high-risk groups then this shouldn’t deter you from getting the lowest insurance quotes possible. Firstly you should look at improving your own circumstances before you go to get your insurance quote.

If you are a person with adverse credit then looking to your credit file and getting any court judgments and defaults taken off or by improving it with a debt consolidation loan can help. Also if you are a driver who has been convicted of speeding or drink-driving then taking an advanced driving course can also help lower your insurance

Young drivers are always targeted in high-risk auto insurance groups so the best way to attain a lower quote is to go as a second or named driver on a policy of someone who is over 25 years old. The savings here can be as much as 50% of the normal premium.

Lastly, once you have made sure that you have improved your personal circumstances to get the lowest high-risk auto insurance it is best that you go online and try one of the many Internet comparison insurance sites that are available.

This Blog was posted for you By Falcon Insurance Services in San Antonio

Home Insurance – Find The Best Coverage

Home Insurance – Find The Best Coverage

You’re paying for the service, but they hold all the cards. What home insurance companies aren’t going to tell you is that you’re paying too much for the premium or that they could drop your coverage arbitrarily if you file one too many claims.home insurance

Five Things you’ll Never Hear Insurer’s Say:

“We have our own caste system.” 
The terms of your home insurance coverage may change at renewal time if you’ve filed more than the average number of claims within a short time period. 
The insurer will offer this new coverage so that they can continue to cover you even though your risk profile has increased. All insurers slot clients based on a variety of factors including where customers live, credit history, and occupation. 
Even if a customer’s risk category doesn’t change significantly, they might still be moved from “preferred” status to a more expensive one.
Tip: If you’re no longer in the “preferred” category, ask them, “Why?” The insurance provider may be able to move you back to “preferred” status, or you might decide at that point to shop around at other companies. Remember that while your home might be considered “high risk” to one carrier, another might see you as a “preferred” customer. more here @
“Anything out of the ordinary makes us really nervous.” 
It’s common knowledge that if you live near the water or in an earthquake riddled area; insurers won’t be climbing all over each other to get to you. While regulations can’t force an insurer to work with you, some insurers use illegal underwriting guidelines that immediately redline or discriminate against groups or specific locations. 
Agents have admitted that they get memos from corporate identifying “undesirable” zip codes or tips on how to avoid people going through traumatic times such as divorce or separation.
Tip: Don’t be afraid to complain if you think you’re the victim of discrimination. An elderly woman felt she was denied coverage because she applied for insurance with “an additional non-relative listed as the name insured.” She felt all other information was acceptable to the insurer except for her buying the home with a companion. The woman hired an attorney and with the help of the American Civil Liberties Union was suddenly insurable.

“One wrong move and we’ll drop you…” 
Insurance providers seem to be tightening the proverbial belt, narrowing the kinds of claims they’ll cover. You may find yourself in a situation where you file just one claim and get dropped. In some cases insurers don’t wait for a claim to drop clients. The trouble is, once you’ve been dropped, you’re less desirable to other insurance companies.
Tip: Insurance companies don’t make it personal. They crunch the numbers and know that if you get hit with disaster once, you might more easily get hit again.

“Especially now that Big Brother is watching.” 
In an age of informational overload, you might feel that nothing about you is sacred to anyone. Home insurance companies have access to a version of your credit report that gives them insight into your current and past behavior patterns. Insurers say these kinds of reports help them eliminate unwanted customers who might try to falsify their claims history. 
Insurers see customers as guilty until proven innocent. Once an individual is categorized as a “high-risk” applicant and rejected by one insurer, another is not likely to provide coverage.

“We’re more secretive than the CIA.” 
Try this experiment. Call your provider and ask them how many claims you would have to file in order to be categorized as “risky.” You’ll probably find that they won’t give you a straight answer. Despite any written guidelines, insurers are not charged to share that kind of information with you. 

Tip: Be careful. If a provider doesn’t have written guidelines, they can make decisions much more subjectively.



Why insurance exists in the first place
Of course, no major effort in risk management for a business can really occur without taking into consideration the potential for unforeseen harm affecting your operations. Indeed, this is the purpose of insurance in general, and it’s certainly the reason why business insurance exists specifically. Are you really engaging in risk management for you’re business if you’re not taking seriously the kind of insurance you have for that business? Probably insurance

Risk management for small businesses?
You can never be too small a business in order to engage in both risk management and due diligence in the choice of small business insurance for your company. The truth is that even small businesses can be seriously undermined or even ruined if they don’t engage in the proper assessment of risk that involves insurance coverage. Unless you’re adequately covered, you simply have not engaged in proper risk management — no matter how small your business is. More information from this page @

Assessing your risk is the first step
When any business engages in risk management, assessment is the first step. You need to know what kinds of risks your business faces in order to take that next step in determining how to in fact deal with those risks.

Transferring your risk is where insurance comes in:
Where business insurance comes in is determining just how much of that risk you’re going to in fact transfer to someone else — an insurance company — and how much they’re willing to assume that risk for you. Transferring that risk is obviously one of the more desirable remedies in dealing with the risk of any kind. If you can get someone else to essentially assume it for you, without making an unnecessary investment in dollars yourself, then not only are you engaging in smart risk management, you’re engaging in smart business — period.

Insurance companies are like risk management outsourcing firms
In fact, the entire insurance industry exists on this basic premise, doesn’t it? Insurance companies provide insurance so that all businesses can transfer a basic component of their risk assessment to someone else. Insurance companies make money by assuming that risk for you. You make money in properly transferring some of the risks involved in running your business. It’s capitalism at its purest. You really can’t go wrong when business entities engage in mutual profit enhancement, can you?

The insurance industry specializes in risk management transfer
What differentiates insurance from those other remedies is that the entire insurance industry exists in order to manage it for you. Its risk management outsourcing at its finest and it has literally been fine crafting its skills for hundreds of years. Ideally, things like small insurance exist not only to handle some of your risk management for you, but they exist so that you do it at a cost most favorable to you.

Whether you’re a Fortune 500 company or small manufacturer of baseball bats, risk management is probably a necessary component of operating a successful business. After assessing your risk, you need to someone effectively deal with it. That’s where small business insurance, in particular, comes in. Business insurance providers essentially allow you to transfer a part of your risk assessment to someone else. They’re experts at it, and they allow you to focus on your core competencies and other risks associated with doing business. Click on this link @

Falcon Insurance Services Inc.
6812 Bandera Rd #201,
San Antonio, TX 78238