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Whole Life or Term Life Insurance: Choosing the Best Option for You

Paper family of four under a Life Insurance paper cutout umbrella

When you go to sign up for the perfect life insurance plan, you must weigh your personal needs, family status, and budget constraints to find the best option. Through every life stage, you will have the opportunity to choose between whole life and term life coverage – Or even a combination of those two plans. […]

How To Decide If You Should Call Your Insurance Company After A Car Accident

female hands hold mobile smartphone photographing car accident for insurance

After an automobile accident occurs, you will need to decide if it is worth your time to file a claim with your insurance company. Take a moment to catch your breath and work through the initial stress caused by the accident before proceeding. Once you have a moment, go through the following items to decide […]

What Are All Those Options On My Car Insurance?

Portrait of happy couple shaking hands with car dealer after buy a new car in the showroom

You know you need car insurance – no matter where you live, it’s the law. Learning more about the coverage options and deductibles available to you can help you make the best possible decisions for your finances, your unique circumstances, and your family. Deductibles vs. Coverage These terms are easily confused; a deductible is the amount you would need […]

Why Renter’s Insurance? Do I Really Need It?

Applying for a Renters Insurance, Renters Insurance application form with a pen on a desk

Do you really need to buy insurance if you rent an apartment or even a home? The short answer is “yes, always”, but understanding what this useful product is and how it protects you will help you get a handle on why you really need coverage if you don’t own the place you are living […]

What a Small Business Owner Needs to Think about when Choosing an Insurance Provider

Businessman talking with his insurance agent about business insurance

Business insurance protects your organization from a variety of risks, including everything from liability to errors or omissions; choosing the right team for your insurance needs will make it easy to get the coverage you need at a rate you can afford. The right insurance provider for you will have excellent communication skills, the experience […]

5 Simple Ways to Lower your Car Insurance Premium Costs

Couple checking car insurance bill at home

You have to have car insurance to drive legally, but you don’t have to be stuck with high rates. Simple changes to the way you drive, how you store your car and even your overall credit score can help reduce the amount of money you pay each month for your car insurance. While every individual […]

How Does Your Credit Affect your Insurance Rates in Texas?

woman holding credit score sign

Texas is similar to most other states in that your credit score and history will be used to set your insurance rates; only California, Hawaii, and Massachusetts avoid using credit scoring when rates are calculated. Drivers with better credit scores generally receive better rates than those with poor credit. Learning more about the way credit impacts […]