3 ways to save money on your home insurance policy

Homeowners insurance is a necessity in Coppell, TX, not only for emergency situations, such as a natural disaster, but for your own peace of mind as well. Since saving money during these tough financial times is important, here are 3 of the best ways to save money on your homeowner insurance through The Select Insurance Agency.

Improve Your Homes Safety Status

It is essential that you know your family is safe and improving the status of your home safety may also help you to save money on the cost of your homeowners insurance policy. Installing safety devices, such as fire alarms and smoke detectors is essential, but you should also consider installing security devices such as dead bolt locks, burglar alarms and/or motion detectors to help save on your premium.

Consolidate Insurance Policies

Bringing all of your insurance policies together into a single package may help to significantly reduce your policy costs. In most situations you can combine auto and home as well as other policies. An added benefit to combining your policies with one agency is that you only have one company to deal with and you may be able to have all policy payments due at the same time, which saves you both time and money.

Increase the Deductible

The deductible is the amount of money you must pay out-of-pocket and up front, before your insurer will pay the claim. Increasing the cost of your deductible can help to save a substantial amount on the cost of your policy. However, it is important to only consider a deductible amount that you are know you can afford and that you are comfortable paying out-of-pocket in the case of an emergency.

Residents of Coppell, TX who are interested in reviewing their current insurance policies, updating a policy or learning more about discounts you may qualify for on a homeowners insurance policy should contact The Select Insurance Agency.

How to Get Auto Insurance After a DUI

Being convicted of a drinking and driving charge can have a huge impact on your life. You will have a criminal record, you may lose your ability to drive for some time, you will likely have to pay huge fines, you may have to spend time in jail or doing community service, and once you are able to drive again, you may find that your auto insurance company will not reinsure you. Here is some information you need to know about getting insurance after you have been convicted of a DUI.

Find a Company That Offers SR-22 Auto Insurance

If you have been convicted of a DUI, your driver’s license will likely be suspended. Once the suspension is up, you will have to obtain SR-22 auto insurance in order to reinstate your license and drive again. However, not every insurance agency offers this type of insurance. If you need to obtain it, you will need to call various insurance agencies to figure out which ones in Coppell, TX offer SR-22 auto insurance.

Expect to Pay More

SR-22 auto insurance will cost you significantly more than standard auto insurance. This is because you are now considered a huge liability to an insurance company due to your inability to follow laws behind the wheel. Once you find a company that offers this type of insurance, expect to pay more for anywhere from five to ten years from the date of your conviction. Many companies will slowly lower your rates, but the DUI will show up on your driving record for 10 years, so your insurance may be higher for this length of time.

If you have gotten a DUI, you can expect to pay much more for your auto insurance policy. However, this does not mean that you still can’t shop around for the best possible price. If you are looking for a quote, Contact The Select Insurance Agency, serving the greater Coppell, TX area. We can help determine what your auto insurance needs are and then put together a policy for you at a competitive rate. Contact us now to get started.